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HSBC Deluging Wife With Letters!
My wife has got herself into financial difficulty and has, sensibly, put the matter in the hands of CCCS. She is paying them a large lump of her salary each month in order to clear her debts. It seems to be working well, except: HSBC is the one creditor who insists on badgering her with constant 'phone calls and letters.…
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Finding out an old account number?
I want to find out an old account number from Capital One from a Mastercard I had with them, so I can reclaim the charges. I wrote to Capital One, but they say they are 'unable to locate' my information! Any ideas how I can get hold of this info?
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Help! No idea where to start!
First off, I'm an idiot and I'm ashamed that I've managed to get myself into this situation. I don't even know how much I owe, I've been burying my head in the sand for about 2 years and it's all about to blow up in my face. I don't work as I went back to Uni to do my MA and then depression forced me to leave the course…
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Help I Need To Get Oh In Same Frame Of Mind As Me!!!!!!!!!!!
I went to boots yesterday as they had sent me a £5.00 voucher if i spent over £10.00 on baby products. huggies wipes were on bogof offer so i got 6 packs of wipes £7.47 i got 1 pack of pampers wife which came with free wipes dispenser £2.49 and a box of medicine £1.49 which total £11.47 i gave my £5.00 voucher in and…
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Scary Stuff
:o decided over the last few weeks to pull my head out the sand.... i put it down to the fact i stopped smoking in june and a bit more proactive now... to get a long story short while i was at uni i got in some debt.... hey dont we all...best thing is day before uni i never over spent and since i left uni i have never over…
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Rockwell Debt Collectors
My OH has just rung me at work and I said I would ask advice from you lovely ppl on MSE. He has just received a letter from Rockwell Collectors for an old A&L overdraft amounting to £750, saying that they are giving him notice of court proceedings. He rang them to come to an arrangement but they laughed at him and said he…
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Debt Co bill after 11 months - is this right?
Can anyone help ttell me if this is legal and if I have to pay it! I bought a shower from Plumb Center in Jan this year, the cheque bounced but was then represented and cleared. I got a letter today from ScotCall Debt Collecting Services demanding £58.50 and having rang them to find out what this was for they inform me…
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New here, had a lightbulb moment this morning
I have used this wonderful website for a long time, but rarely used the forums, I am hoping recording my aim here will keep me motivated. I did the budget thingy and I got a green result. I have debts though and a low income so I want them paying off! Here are my debts: Loan with MBNA - £2243.10 Overdraft £300 Laptop…
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A bit of advice please
Hi, I owe marlin 1800 and they said if i dont pay 300 per month they will issue a SD i have told them i can only afford 100 per month as any more and i wont have enough to get food and fuel, they are adamant that i have to pay 300, am i right in thinking if thet are demanding an amount it is obvious i cant afford they are…
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advice for sister
hi there hope someone can help my sister was a single parent of 2 but moved into a house with her new partner about 6 months ago. She was working then had to stop when she had baby number 2. She confessed yesterday that a bailiff came round to her new address 20 miles from her old address and has demanded cash for unpaid…
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Help with defence needed
For the past year I have been trying to get NatWest to agree to reduce payments to clear my Overdraft to no avail and it has resulted in court action. Two years ago I got into difficulty, primarily as I had a problematic pregnancy which resulted in a premature baby who has had numerous health issues over the past two…
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absolute rock bottom!
hi guys, typed this once before but was asked to sign in again so lost it. have hit rock bottom today. am 22k in debt. been down cccs route. recommended solution bankruptcy at this time. which for us is absolutely not an option. so have muddled by. got some creditors to agree temp lower payments and have muddled by on ebay…
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loopymadlovers diary for a debt free life
After years of denial i have had my lbm in the last few months, unfortunately my wages only just cover my outgoings, at least this means i can make all the minimum monthly payments. My budget is very tight with no margin for error and an unexpected problem goes on to my credit card luckily they don't happen all that often.…
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an easy question for super balance transfers
hi, not a tricky question, hopefully someone on here can help. i have just received a virgin credit card after reading the super balance transfer article on the cards/loans page. luckily i have enough credit limit to shift a high interest loan onto it and reading the article it says i should do a current account transfer.…
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Monday 24th November *Daily Chat*
Ooooooo Its nearly December:j .........I have Advent calendars at the ready:D Payday on Friday and only 3 weeks for me to work:T Its all good............have a lovely Monday everyone:cool:
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Monday 24/11/08 What small dfw things have you done today???
:D 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,…
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Cahoot Flexible Loan
Can someone please help, I'm at the end of my tether. I have a Cahoot Flexible Loan and owe £8000. The interst rate keeps going up. Does anyone know why they can do this? I'm literally just paying the interest each month. I'm about to lose my job and will be in dire straits. I want to approach Cahoot and ask if they'll…
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Wescot and the Royal Bank of Scotland
Hi, I am hoping for some sound advice on how to end my correspondence with Wescot and have included my last email to them by way of an explanation of the events so far. For a little background information, I will explain that I left the UK over three years ago to live in the Middle East. Wescot have contacted me by mail…
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Mortgage Free - Quickist way?
Hi,can anybody help? I want to become morgage free. I am single, have a mortgage for 65k over 23 years, I pay around £470 per month (repayment mortgage). I can afford to overpay an extra £800 per month on top of the mortgage,plus when ive paid a few lumps I will be able to pay any extra I have through lower mortgage. How…
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Bills for empty flat
Hi, I own my own flat but I am not living in it at the moment. I have signed up with Northwood using their guaranteed rental scheme. Will I have to pay the water, council tax and electricity in the meantime? There is no usage. I think I will have to, but just checking. Apparently I can't use the council tax break for it…
