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Too Good To Be True
I have some huge debts just now and was contemplating taking the IVA route until a few days ago a friend mentioned that he knows someone who was able to completely wipe out some credit card debts using the services of a group of financial experts who have found that many credit card agreements used by major lenders are…
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Am I doing the right thing??
Have been on DMP with Payplan since Feb., had to reduce payments last and this month due to reduction in my wage due to being off work ill......hence it will now take approx 18yrs to repay debts...not including creditors who still haven't stopped adding interest. Have spoken to CCCS as was considering BR....they've…
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I have been stitched up by Virgin Active. Anyone know if I can take this futher?
I took out the membership in 2006 when I was a little more flush than today. Anyway, I can really nolonger pay the fees. When I rung up to cancel today, I was told that I have to keep paying until March next year. You are only allowed to cancel you membership at a certain time ( 17 days before the anniversay of taking it…
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Bailiffs coming for unpaid parking ticket... HELP!!
hi My wife was in tears this morning because a bailiff turned up at our door for 3 unpaid parking tickets. the parking tickets are genuine and yes they should have been paid but at the time i couldnt and so they werent. the bailiff has visited the house once yet has charged 135.08 x 3 = 405.24 in visit charges because…
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Buchanan Clark Wells again!!
Previous thread: http://forums.moneysavingexpert.com/showthread.html?t=954301 After sending the letter as suggested on that thread. I have received another letter Entitled VISIT BY DEBT ENFORCEMENT OFFICER. Has anyone the address to the OFT and Trading standards so that I can copy them in on any future correspondence to…
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Halifax Easycash problems
Can anyone help with a problem I have with my easycash account? I opened it up last month - have internet access and my cash card - and up until yesterday when I went on line it was showing as enquiry service only which I was told was becasue no money had been deposited into it. Yesterday my salary was credited to the…
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Is overpaid wages after employment ended a debt?
Hi I left a job at the end of May and found out the other day that my previous employer has continued to pay my salary even though I don't work there anymore. The payroll is outsourced and handled by the local authority. They sent me my P45 etc at the end of May confirming they had processed me out of their system but for…
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Pap/Moozie's What have/will you spend Saturday 28th June?
Morning all :D We are going to a Beaver Scout Gala today :p DD is a Beaver, apparently there are stalls & a raffle, so I expect we'll spend about a tenner on rubbish - goes towards training the leaders though Have a great day & keep it low:D
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Would you add to debt to save money in the long term?
I very rarely post but thought I would get your opinion on this dilemma We have admittedly an expensive car, BMW 525, which we bought 2½ years ago, but due to the price increases it is now costing us around £85 per week just for fuel. Tyres are over £120 each, servicing is about £300 per year, car tax is currently £210 but…
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is this the quickest default ever!!!!
well how about this - all my cards loans etc were up to date when i called cccs in May to start a DMP and then sent letters and token payments to my 13 creditors first week in June and am due to make first cccs payment Tuesday anyway had my first creditor agree to the plan today - M&S Money - this was due to be paid 19.6.8…
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Single person bill budgeting.
Son is moving out into rented accommodation and accepting a new job @ £16,000. The rent will be £450 per month for a one bed unfurnished flat. He will be using Freecycle and ebay for furniture but finding it difficult to know how to budget for bills. Anyone else's thoughts and experiences would be really useful
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Help!!!!!!
I've been juggling my finances for far too long!! I really can't keep this up for much longer, I have about 5 yrs left on a £25000 loan so 20000ish left to pay on this. £367 a month. £2500ish left on virgin cc making £100 a month payments on that £2500ish on egg cc making £100 a month payments on that £1500 on natwest…
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Capital One Muppets
I've been paying Capital One by electronic transfer for over a year now at their preference to repay my debt by agreed arrangement. For some reason one payment never got through. It never got deducted from my bank account so never made it to Capital One. Don't know why. First I hear of it is almost a month later when…
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Debt collection-advice please
Hello, this is my first thread and I need advice from the experienced amoungst you or any advice from anyone please. We are currently in debt to the tune of 100,000 pounds give or take. the main cards we owe on are the mainstream and have been fantastic in their response to letters and all have all agreed(for now) stopping…
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intelligent finance
does anyone know if intelligent finance is assocciated with any other financial orgs?? is there a list that anyone can point me in the direction of, that shows financial company links?? thanx x
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Incorrect info on Credit Report
I have just received my credit report from Experian because I wanted to see if MBNA had entered a default illegally (they had) I am in a reduced payment with Egg also (had to im no longer working im on carers allowance have a disabled son) I pay £40 month which will be reviewed after 6 months, but Egg has recorded that I…
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Saturday 28/06/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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can they see my savings?
Hi can creditors see savings? I dont have much but have a few hundred pounds in a BS. account for a rainy day - no a stormy day is there anyway that they could see it? thanks
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Advice Needed CCJ'S
Just after a bit of advice guys please. I've been issued two CCJs 1 for £80 per month with DG Solicitors and 1 for £26.00 per month with Howard Cohen. I've missed 2 payments on each, which I realise was a stupid of me i should have set up standing orders the moment i got them. I've been on the phone to them this week…
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Which is best, advice please !
I took on a car loan after trying to get the best interest I could, but was missinformed I thought I was getting 5.8% but in fact got 10.85% which is vastly different!:eek: My question is: As my mortgage interrest rate is 6.25%, and I can draw down some cash from it, would I be better off doing that or to just carry on…
