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Where do I go?
Hi everyone, 3 weeks ago, I had a bank balance of £19,500. Today, I have £2,500 of a £3,500 overdraft remaining. I also have a credit card balance across 3 cards of nearly £12000. The reason? A spreadbet gone badly wrong, which I kept throwing more and more money at. I made all the money spreadbetting, and lost it all…
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HELP - Bailiffs letter
Hi, if anyone on here can advise what I should do next I will be very grateful. In Feb 06 I split with my long term pertner and he moved out. I made a claim for council tax benefit and haven't had to pay any council tax since then. This morning with my post I recieved a letter from Jacobs Bailiffs stating that I have…
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Three Mobile using Buchanan Clarke Wells after 3 years
Hi received a called yesterday from Buchanan Clarke Wells requesting a 15 pound payment for Three mobile after 3 years... oddly enough during those three years I was still a customer with a different account albeit. I cannot recall owing them money as I always paid ontime via DD. Had a look for bills but cannot find many.…
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I should know the answer to this, but my mind has gone blank
Just recieved a letter from HFC?Marbles - basically a notice of intended default. You will find it difficult to obtain future credit blah blah PPI will be cancelled blah blah (i havnt got any) the notice will cost £12 and be added to the balance if its passed to a dca they may visit. legal action may become necassary and…
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Website for swapping items/stuff
Hi everyone, Does anyone know of a website/forum for swapping items, possesions and stuff in general Needs to be a real grown up site, a bit like ebay but for swapping maybe with the option of buying. Many thanks Steve
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CABOT Bully boys
I had a credit card back in 1990's and when I moved out and contacted them to give my new address. I ran out of the payment slips and they never contacted me at my new address or my old address. I then moved away again but my ex still lived at the original address and did not forward me any correspondance from them. So I…
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Hi, I dont know if this has been covered before, but....
Ok, heres the story... A couple of years ago I had employment issues and signed up with a company called the financial helpline to make repayment arrangements etc. with outstanding bills (yes, I have paid back most of what was outstanding) One of the things that the FH did was to agree a settlement figure with Choice…
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****Weekend Chat 29/30 Nov-ALL WELCOME!****
Morning! So nice to see so many new faces yesterday-stop lurking and start posting! We won't bite...hard;) Feeling worse today, if it's possible. Utterly wretched. Sinus', ribs killing from coughing, ache all over, so today, I will mostly be wallowing in self pity. This is when I wish I lived back home, I would send the…
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Saturday 29/11/08 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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How have you paid thousands off your debt in a short period of time?
Hello there, only just started posting the last couple of days and some of you are such an inspiration, honestly. I take my hat off to you and well done on clearing alot debt. I have noticed from a couple of tickers, that some of you have paid such huge amounts of debt off in just a few months, i am intrigued on how you…
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An offer to 'buy back your account'?
My ex has been receiving demands etc. from a well known dca for about 6 months now, and hasn't bothered with replying etc. (Can't be bothered and just ignoring them more than anything I guess) and I know the debt is a few years old, but she's not sure if it's the 6 year age. Well, she's had the usual threatening letters…
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Bankruptcy: Please help.
Hello, I am new here and need some information about declaring bankruptcy. I have searched the Google and it seems to be littered with endless streams of information, whereas I just need straight forward information. I am in around £13000.00 of debt it cannot pay it off. Please can someone give me their experience of…
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SOA Test * Please ignore *
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 2000 Partners monthly income after tax....... 3000 Benefits................................ 1000 Other income............................ 0 Total monthly income.................... 6000 Monthly Expense Details…
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Halifax debt advice
Lets say i am £500 overdrawn with a arranged overdraft and then on top of that i go overdrawn which will be unarranged by £400 so all in all thats £900 overdrawn. I have £100 spare a month of which i can pay the £900 debt off. How bad would the interest and fees be?…
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time to get a company to do my DMP ? and re-assurance!
Last year CAB sorted out repayment plans for all my creditors (5) - 4 direct with them and one with a debt company where the debt had been sold on. They then dumped me cold! Since I have re-negotiated myself but no one of my creditors is not going to renew the payment plan and has told me in three months they will sell on…
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Can DLA be counted as Income by a Creditor
Good Evening All My creditor wants me to send in a budget plan but he wants to count my HRM & HRC as disposable income. Can he do that? I need to know whether I have to declare it on the form in the income column? Thank you for any help given.
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TransCash
Well after reading so much info on this site I have setup a DMP plan. I have to make the first payment via Transcash tomorrow. I have never paid like this before I have filled out the form they supplied, do I have to take cash to the post office with the form or can I pay via solo card? I have setup direct debit with them…
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Have you been helped by the forums? Woman's mag looking for a story. (£100 on offer)
A woman's mag is looking for a story and is willing to pay £100 or more to anyone that can help. If you can help get in touch on the details below. Have you been helped by the MSE forums? We, a top woman's magazine, are looking for MSE users who have found the forums a particular source of support. In return we can offer a…
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Robinson Way DCA and possible 5 year old JD Williams debt?
Last night my mother had a phone call from Robinson Way DCA saying she owed over £1000 to JD Williams, but that they would reduce it to £815 if she paid the amount within 3 months, they also asked for a payment over the phone which she did not give as she didnt know what they were talking about. She did have a few debts…
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i feel so sick in tears they can't do this can they
every month we have paid £60 then i just get this in the post dear sir/ madam due to the length of time we are able to hold liability order in our office we write to inform you that we are unable to continue to accept your arrangement of £60 every 31 days. please contact the above office within the next 7 days with a view…