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dca letter help
hi, i wondered if anyone could help with my problem. to cut a long story short, i got behind with my payments on my catalogue (j d williams) over the past 8 weeks i have written 4 letters to them, one to the catalogue company, three to the dca company, (reliable collections the catalogue own dca) offering payments of 30…
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debt after death
Hi I hope I'm posting this in the right forum! Long story short; mother-in-law is very ill and we have been warned that her condition is terminal. Her only income is state related (pension credit, dla etc) and her money assets are few (3 or 4 hundred at any one time). We have recently discovered that she has racked up…
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Young Person With Money Problems
I'm 22 years old and since I can remember I have been terrible with money. Since the age of 18 and a half I have been in constant debt. My debt currently stands at around £6000-£7000 in the form of 2 credit cards and an overdraft. I really feel bad about it and it makes me terribly depressed. The worst of it is that I live…
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Problem with credit file
Hola mon amigos :wave: I have un problem and just wondered if one of the experts (Fermi etc?) could have a look at this for me. I have a letter of satisfaction from 25/04/05, but my credit file doesnt seem to be reflecting it - am i reading it correctly? Are they still saying I am 6 months in arrears? Or settled as at Feb…
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credit card nightmare
can anyone help with any advice with how to deal with credit card companies. We have a lot of credit card debt that we are unable to make minimum payments on at the present time but when you try and talk to someone at one of these awful call centres they wont negotiate and just say we have to pay the late/no pYMENT charges…
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This'll make you laugh....
2 weeks ago my father in law dropped me home after a wedding, just as we were pulling up a flat bed lorry emblazoned with the words vehicle recovery, or something of that effect on the bonnet, with two blokes pulled in just along from my house...given our currant financial situation, naturally i was worried. my partner was…
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advice from my loyal DFW's!!! re:PPI!!
Hiya, im just looking for advice from you lovely guys!!! My mother in law has a loan with Lloyds TSB which has 17 months left running on a loan she took out over 60 months, today she cancelled the PPI (as i told her it was useless to her). The query is: With the insurance she was paying £163 per month, the PPI was £36 per…
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CCA quickie question please!
Hiya all I am just about to embark on the CCA route to my creditors (Cos you just never know !) Can I stop payments when I send out the first letter? In other words is the account in dispute from this point on or do I have to wait until the 12+2 has expired. Sorry if this has already been answered in another post Piglet39
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I slipped off the rails :(
Hi all I thought I better get it out of my system. I have been naughty and spent a lot of money on a holiday :( My girlfriend was born in the caribbean and only visits her family once a year and we saw a good deal for £800. On the spare of the moment we booked it. I was aiming to use this 800 to help pay off one of my…
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Buying Back My Account - What to do?
Hello Everyone I have just received a letter that has been passed onto me by my Sister that has been delivered to her address. It was from a creditor I had around 10 years ago. I used to live with her and after moving I put the debt to the back of my mind as I was having many other problems at the time. The letter is from…
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bailliffs want my car
hi all not sur if this is the right place to post but here goes anyway ive had the bailliffs round for council tax arrears i was away at the time when i returned i had to notices throuhg the door the original council tax bill was for £500.00 the bailliffs bill was £700.00 so after reading some posts on here i paid the…
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In Dept (not much) but need instant money before it spirals out of controll
Hi, i work at a school and the last time i was payed was 7 weeks ago and i wont get payed for another 3 weeks. Im a sessional member of staff so i dont get holiday pay either. I know it's my own fault for not getting a summer job but ive now run into dept. Ive gone over my over draught with alliance and leistester and…
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Help needed tracking down a CCJ
Hi folks, long time reader, 1st time poster. I'm in the process of trying to sort out all my debt, and i've stumbled across a CCJ I have against me. Its dated from November 2005, and has a refference number for a court on Northampton. I called Northampton courts and they told me that it was with Equidebt on behlaf of…
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DMP-1 Year On
Hi everyone, Today is the first anniversary of starting our DMP with Payplan :D . I thought I'd just post our experiences over the last year to hopefully help those who are thinking about a DMP or are just starting one. Because the Debt-Free Wannabe forum gives such good advice to people in trouble those of us who aren't…
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I'm debt free! Woohoo!
I am finally debt free!! Paid off the last credit card and now all my debts are at zero! :T Excluding student loan (as Martin reccommends that isn't paid off) and mortgage, but we'll just ignore those for now!:p Just wanted to thank everyone at MSE for their help and advice. I don't post that often, but I'm always lurking…
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The SURVIVAL to the extreme
The increased burden in getting a roof over our heads http://forums.moneysavingexpert.com/showthread.html?t=1126491 had prompted us to act .................. 1) Be selfish, don't want to have kid :rotfl: 2) No pet 3) No smoking 4) Only entertainment => internet, radio, sky 5) Walk instead of taking the car 6) Buy and stock…
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some advice
I keep recieving mixed messages regarding credit card debt and the amount of help we can recieve when we live out of the uk. I have a selection of cards one of which is being very difficult. ( i have blogged before about this. We work here in Spain and although I do not pay into the tax system my husband does. We have…
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Ah boo, I'm skint this month.. should I start a diary?
Hi all, First time on this thread, I hang out more in the house prices crash forum. However, I realised I've massively overstretched myself last month and now have jut £600 to live on till 28th Sept. I really don;t want to hit my overdraft. Out of this has to come all food (dunno how much I usually spend, but can cut it…
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Been running away - need advice
Hello I would really really appreciate some advice. I made a decision to block out all my debt problems till December when I expect to have found a decent, permanent job and have the possibility of going on a DMP. Right now I am only a temporary worker. I have been making only token payments of £1 per month towards my…
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What will happen?
My BIL has gone to court today about his house being repossessed, he is staying with me & has been since June when he found out that his wife, my SIL was £3000 in arrears with the mortgage. He asked to stay for 2 weeks & we are now into the 4th month. How long is it likely to be between the first hearing & the actual…
