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Gran helping me get out of debt.
I am 24 years old. I earn about 20k a year. I am nearly 17k in debt (and growing) at MASSIVE interest rates. There, I said it!:j My Gran started a Credit Union account for me when I was 16. She has paid £5 a week into the account as well as some extra when she had a bingo win. She has taken out some small loans through my…
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Repossession,please need advice
Hello everyone, Thanks to this great site,I have finally taken the first steps to try to clear or at least do something about my debts. I am so ashamed and embarrassed to have put myself into such a mess,that only my boyfriend is aware of the situation.He lives abroad and is not partcularly helpful anyway.So I feel totally…
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HFO Services & Turnbull Rutherford
Hi All, Just a quick question I need clarification on. I requested my CCA from HFO and as with everyone else have not heard anything. Now I know they are about to run out of time, however have had a letter from Turnbull Rutherford stating abuot charging orders etc. Called them today and told them I was awaiting the CCA and…
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New Christmas PRE-NUPP Tool
If you've time I'd love you to test the new tool. Please see this post http://forums.moneysavingexpert.com/showthread.html?p=16032329#post16032329 and report your feedback there Martin
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A question about my credit file.
Hi all. Having checked my Experian file, I have 3 accounts with reasonable limits (about £3,000 in total) and no balance owing to them. My question is ~ is it better to have these marked as settled, or does it look better that I have credit available and am not using it? My credit score is actually quite low, although I am…
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Hi I'm new and in the dodo!!
Good afternoon, I have been reading a lot of the posts in this forum for several weeks and at the weekend decided to bite the bullet, I did my SFA and sent the letters out through the imoney programme to my debtors, can anyone advise the time span before I should receive replies from a loan company and credit card…
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interest free finance help
I took out finace 9 month ago but never signed for it. I ordered the goods over the internet and they where sent out to me. Can i avoid paying as i have not singed for them?? Or is there a loophole around this?
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iqor
hi there was after a bit of advise i have a debt with studio cards of £50 which and has been taken on by iqor who say i owe £205 after all the interest. i made arrangements to pay £5 a week using a paying in book this was fine until i ran out of slips i phoned and asked for another book which they said they would send a…
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Debt problems - CSL agency calls
Hi I wonder if anyone can help. I have an oustanding student loan debt i have stupdily ignored for a while. I am now getting txt and calls from a company called CSL. I want to repay mt debt with monthly payments but not sure if i should call these people as heard they may be threatening or come to my address? I am worried…
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charging order - please help
we had a charging order put on our home last month with thanks to link.......... the judge said if they went for an order of sale then he put into the conditions of the charging order it had to go before him as he would no way let it happen that we have to sell our family home - so long as we kept up the payments from the…
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Payplan - 5 out of 6 offers rejected
Hi everyone, Started with Payplan recently. Have 12k of debt with Halifax (loan) Natwest (2 current account overdrafts) Lloyds (overdraft) and 2 payday loans. Payplan produced my offers and I was paying £228 in total a month. I spoek to my case officer yesterday and he told me that only Halifax had accepted the offer and…
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Cheap brands better than Harrods ....
For all of you concened about using the cut-price stores - here's the really good news! Harrods and Savile Row trounced by high street bargain alternatives - full story here: http://www.thelondonpaper.com/cs/Satellite/london/news/article/1157156609250?packedargs=suffix%3DArticleController :j :j :j
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Some ideas......
...I know this is a trivial post compared with most people's, but I felt like a bit of positivity as it's the weekend coming up! I wondered if people could post their ideas of how to have a fun DFW weekend!! This consists for me mainly at the moment as a trip to a National Trust Place (Got membership through Quidco with…
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Have reached breaking point
Had to go to my docs this morning because of relentless calls from hbos. Have had to take my hols because I am just a wreck. After promising there would not be any more calls there have been 5 in two days. I have called the ombudsman who will look in to it but I think I should go and see a solicitor. This might sound…
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All out of control.........
After the last 8 years of complete stupidity....I'm going to get out of my 30k of debt.......but I don't even know where to start. A small background on my history.....I have accumulated 30k of debt, built since I was 18 (9 years ago). This was on credit cards, loans, overdrafts etc....since then I have struggled to pay…
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Question about an Experian Report
Hi All, Posting on behalf on my partner, who has had a large number of debt problems in the past. When we first met, she had some financial problems, which on the whole, we seem to be getting around now. She moved in with me and left her original area about 3 years ago, and we are now trying to repair her credit. My…
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Letter from Carphone Warehouse help? SCARED!
I got a letter from Carphone Warehouse today with big red letters all over it! It says: We are writing to inform you that we have not yet recieved payment for your mobile account. In order for your service to continue being provided without interruption, we must recieve full payment within 5 days of the date of this…
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Link Financial ltd
Not posted in a while but any replies would be gratefully received. I ahve a car loan with GE money, when I changed banks the bank messed up the DD transfers. Despite informing them in writing and by phone they never resumed my DD. To cut a long story short they have sold the debt to Link Finacial Ltd who are demanding…
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Delayed Letters From a Collection Agency.
Hi. I owe abit to Metropolitan Collection Service Limited, and every few months they send me a letter saying the agreement has now ended and they want me to increase my payments. However the sate that the letter is dated is always about 2 weeks before it arrives which means about 2 days later i receive another letter…
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Credit/loan agreement compliancy checks
I can't find anything on this forum about people's experiences if any with the new trend of getting loan agreements checked, and if found faulty, written off. I've been offered this service by a company and am a bit fascinated by the concept, if nothing else. I think the whole thing is related to a change in the consumer…
