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Does a CCA apply to an overdraft debt?
Hi I have an overdraft debt of approx £10k that my bank has moved onto a DCA - I sent a standard CCA request letter and the bank replied (eventually!) saying that an overdraft doesn't have a CCA but that bank statements show the size of the debt. Anybody any ideas where I go from here?
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Im debt free but worried about the downturn
Hi Folks, Ive been debt free for 2 years. I have been in fantastic sales job where I can now afford to buy things outright and not run into debt. Well, due to the downturn I expect a hit on my commission and back on a monthly basic wage £21,600 per year. I dont own a house single with no kids and rent at £500 pm. Would you…
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Needs some TLC
Hi I didn't know where to post and this looks like a nice place. Tell me to b*g off if this isn't the right place. I had an awful day at work today and it was all I could do to keep myself from bursting into tears. The story starts with my applying for my manager's job last year. To cut a very long story short - the…
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12 days on CCA - is it true?
Having just served the "12 days CCA request has passed" to Lowell they have responded with blah blah blah "Under the Consumer Credit Act, a creditor has an initial 12 days...."..... blah blah blah "After this initial period we have a further 30 days to provide documentation....." which is fair enough.... Now the bit that…
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Age of your debt?
I was just wondering how old your debt was? I feel like I've had mine forever and I can't believe it is still hanging around. Has yours grown out of interest added to it or have you just added to it? If you see what I mean.... Hope you don't mind me asking..
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Bailiffs at Door
Hi Hoping someone can help with some advise. My husband died last year and left me with several debts, one of which was unpaid council tax for a flat he shared with my son when they worked away, I had been paying a set amount each month and to be honest with the year I've had completley forgot about it. Got back from the…
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I hate Abbey!
Hi everyone, I have owed Abbey my overdraft of £1,367 and have been paying £30 a month towards it for 6 months now. I spoke to a woman in the collections department of Abbey on the 21/08/08 as my boss has offered me an interest free loan to pay off this and another debt. So I asked the woman in the collections department…
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Help & Advice Please
Hi I hope there are some people out there that can give me some constructive advice please??? Here is my story: a little over 6 years ago I found myself in debt of approx. £50,000 (I know foolish!!) Anyway, I found a DMC that took on my affairs and have been dealing with things since. (I can hear you all saying WHY so many…
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mbna offer
Hi just wondering if anyone can help.. to cut a long story short i'm on a dmp with payplan and one of my creditors is mbna ..after several phone calls mbna have agreed to me paying £1500 off a £5000 credit card limit, i have asked for it in writing and the common thread throughout the letter is mbna will not pursue me for…
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Problems with CCCS
Don't know how many people on here have used CCCS for a DMP, but wondered if anyone has ever had trouble with creditors not getting the information? 3 out of my 4 creditors have not received any information (soa, etc) after the initial "I'm on a DMP" letter, and so haven't made any move to even consider stopping late…
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Rockwell
Around 4 years ago my son had a debt of around £4000 passed onto rockwells & they came to an agreement of a figure to pay each month. This agreement my son has stuck to, paying the agreed ammount each month without fail & the outstanding balance is now just over £1000. He bought a house 18 mnths ago as he and his partner…
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need advice
can i get my ex partners name of a joint name loan.both names are still on the morgage but will be getting her name of that aswell if i can. Any advice welcome
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Getting out of gym membership
Right, I'm half way through my year of gym membership with Virgin Active and yes I've realised that it was a huge mistake and I need to get out of it. I'm really skint (as my name suggests) and soooo can't afford it. Is there anyway I can talk them into letting me out or reducing my monthly payment? I know that they do…
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Daily clicks on Quidco?
Hi I used to do the Kelkoo daily clicks when it was 10p (those were the days) and haven't really bothered since. I want to start doing some again. Can someone give me a list of daily clicks I could be doing to help with my debt? Thanks in advance :beer:
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Get well soon ISOM!
I hope no one minds me putting this on here. :D Some of you may know that ISOM has just gone in hospital for an operation, and is currently recovering.:o Just had a text from her to say she is on strong pain killers and not to give too many details away, thinks that the surgery was succesful.:T A special message for Pania,…
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Working single parents first SOA (Desperately need HELP!!!!!!)
Hi, This is my first time at all this!!!!!!!!! I am a 34 yr old single parent with a 15 yr old son & 6 yr old daughter. I work 34 hrs a week term time only as a receptionist in a school. My landlord has just increased my rent from £655 to £700 per month & all my other bills are increasing but my salary is not. I am really…
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Pay Day Loans - A right mess.
:( How do I stop this scenario please? I stupidly, in desperation took out one of these pay day loans and the charges spun out of control on this month after month. Now what happens is they have my bank card number and on my pay day, they debit £689.00 from my account, I have to go to the shop and get the money back which…
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Link for letter to creditor please?
Hello all, I have just seeked some much needed help from CCCS with my debts and they have told me I am £141.00 over my priority bill debts and I need to take immediate action by contacting the loan companies etc and arranging a smaller payment. Does anyone have a letter or a link to a letter that I could use to send to…
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Paying for my son's uni fees
Hi, I know there is a separate student money forum but as I am neither a student nor likely to be in receipt of a student loan, but I AM trying to be debt free, this forum might be the more appropriate one for me to post my question in: My financial situation is tight - I have large loan and credit card debts and have come…
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Letter out of the blue
This is my first post - please be gentle:o Today I got a letter out of the blue with a phone number saying call it as it's important so I did. It was a debt collector stating that I owed money from an unpaid bank loan taken out early 2000. I have had no contact regarding this since 2000. To be honest I was a horrid 20 year…
