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bancruptcy advice
Hi someone may have or is in the same boat as myself. I have debts that totalled 24.000 about 4 years ago, because i could not repay or afford to they stand know 50.000, due to interest, i am a single mum of 5, not working council tenant, benefits for income, will i loose all my benefits when going bancrupt?
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Help-advice needed please
I am in a bit of a mess financially and am just about to go through bankruptcy, however, i am being harrassed by a creditor and its getting me down. Barclaycard who i have 3 different accounts with have handed the accounts to Mercers who i assume deal with all their cases. They put all 3 accounts together on one file 'to…
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Diary of a spendaholic!
Hi, It looks like the diaries on here are really useful so am giving it a whirl. All tips and advice will be welcomed! I am in debt to the tune of £2500 plus my partner and i have an overdraft of just under £1000. My debt is made up of Overdrafts in 3 banks and my credit card, which i recently switched to be 0% for 13…
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Default twice on same debt
I had a barclaycard that I defaulted on back in 2005. The balance is only £670 and foolishly I thought if I ignored it it would go away. Obviously it didn't and was passed to a debt collecting agency, again I ignored them and they defaulted on me for the £670. I have now started a payment plan with the debt collecting…
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Credit cards: will they write off debts?
What are the chances of the credit card moguls writing off my debts? Has this happened to anyone? Is it better to ask them to write off debts at the offset, or start with the "nominal payment" letter offering £1 a month repayments? Advice welcome please.:confused: PS: And no, I can't make the mimimal payments anymore; they…
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Credit Crunched, some light relief...
Hello People, Feeling the pinch now inflation, the housing market, and fuel prices are rocketing? Well this wont get you out of a hole but it might help you to smile about your predicament. Its a Credit Crunched Street Art video doing the rounds on the web: http://www.youtube.com/watch?v=v9eWghc1ewU Its not spam as its…
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How much better off would I be ??
Hi there, can someone with more maths skills than me work out how much better off I would be if I changed my plans towards my debt/savings. I have 7 debts, each are fairly recent (since xmas) totalling £10k. (Still almost 5 yrs to pay) The APR on each is 25% (High I know, but I cant get any lower right now) I am in a…
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Help me and my financial mess
Hi all I'm in a right mess and don't know where to start to get myself out of it... I've been depressed for ages now, worse over the last year. I got made redundant and luckily I got a small amount from work, and am claiming the appropriate benefits for my situation. I'm pretty much unable to work at the moment, though am…
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cabot acc number
hi there i have been trying to send an sar to cabot but i cant find my account number, i have telephoned them but they want me to send a copy of my passport to prove who i am, anyone know if i can apply for sar without a ref number ?
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ADVICE PLEASE, on dmp, re-mtg offered
Hello, please can someone tell me if this will be an issue with our creditors. just entering a dmp ... figures in signature below. been offered re mtg, 106k left on mtg- 135k house value. would really want to snap this offer up before our dmp becomes an issue on credit file... not yet missed any payments with creditors.…
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Newbie - EX planning banckruptcy could this implicate me?
My ex partner has recently informed me he is moving to Australia within the next couple of weeks (he has known longer than this but failed to mention it). After our separation nearly a year ago my ex decided he wanted to keep our house (I wanted to sell) and offered to pay me out, we agreed on a sum and he decided to…
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Court summons, please help.
Hi all , perhap someone can offer some much neded advice. I today recieved a summons from a solicitor acting on behalf of the builders merchant I use, I am a self employed builder and have been stiched up by my customer, to cut a long story short the job of a kichen extension was costing £23K she paid me £8 and has no more…
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"Financial Services Debt Awareness" cold calls.
I just had a call on 02030 515089 and it was a recorded message telling me that "little known government legislation" might allow me to pay back only what I could afford etc. I went through to the operator and they said that they were from "Financial Services Debt Awareness". Google brought up nothing on the name or…
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Two letters demanding money
I have had two letters this morning from 1st credit demanding debts from an old bank account with HSBC, They amount to over £10000. They are addressed to my maiden name and since I have been married 9 years are quite old debts. I know they have been trying to find me for some time as they have been sending letters to my…
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Debitas hassling me - PLEASE HELP
Hello I need some advice, i got into difficulty with my Capital One card and have had some default notices added (due to me being unwell and unable to work) and my debt has been passed to Debitas. I recieved a letter from them asking me to pay the full amount which i am unable to do and i told the guy this and explained…
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I did a stupid thing...
I did a stupid thing... I was following a friends sat nav three weeks ago and I must have turned down a 'no right turn' or 'no left turn' or something anyway I got a fine for it through the post £80 Grrrrrrrrrrrrrrrrrrrr :mad: This is why even if I had the spare cash I wouldn’t buy one!! The Problem it has caused I have to…
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Debt sorted, but now being harrassed?
I apologise if this is in the wrong section, basically i owed someone some money for a job i did a couple of years ago, this was settled out of court through his solicitor and full and final settlement of the debt was confirmed by letter after a sum was paid. However, it now appears that i cannot be left alone as i…
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Pap / Moozies What have/will you spend Wednesday 18th June?
Good morning peeps :grin: Not expecting to spend too much money today, just some capri Suns for the kids lunchboxes. Getting excited as DH is coming home tomorrow evening ( 99.9% sure ) Haven't seen him since the begining of February:eek: he was supposed to come home 2 weeks ago & couldn't so really crossing fingers toes &…
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Crapquest vs Me
Hi everyone I posted a thread not so long ago about crapquest wanting to take me to court for non payment of an old cc debt. I acknowledged it but disputed the amount. I filled in my allocation questionnaire received from the court and stated my dispute with crapquest. Upon advice from you lovely people, i requested…
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Wednesday 18 June - Daily chat
Morning everyone! How are you all today?? Funnily enough I'm feeling full of the joys despite facing 3 hours locked in a room talking about tax issues...:D
