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Budget as a student
hi, I am a third year student at university. I recently gave up my p/t job as I was being put under so much pressure to work more and more hours it was beyond me. I am trying to work out a reasonable budget for myself - I suggested £20 a week including food and general stuff such as travel in the city (I walk to uni) but…
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Debt Free In 1 Year
I've decided enough is enough and I'm aiming to clear my debt off one year today. I'm looking for some suggestions really to help start saving money now. I'm currently eating at home on lunch so i'm saving there and i'm not taking my wallet to work so i can't be tempted to eat snacks from the machines at work. I'm going to…
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in court weds
hi all my oh in court weds to have hearing about having stat demand set aside on grounds that dmp has ben paying for last 2 years feeling very nervous:eek:
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Help: Single mum in debt
Hi I need a little help and advise, I am a 25year old single mother and lost my job in May 2008.I am in about £10'000 worth of debt (Not including student loans) I am now having to Claim income support, tax credits and child benefit and this is the only income I have. £60.50 weekly income support £45.10 weekly tax credits…
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My brand spanking new debt diary!
sorry deleting this
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pawnshop
hi has anyone hear ever sold anything in a pawn shop what do you do and do you get a decend pay got some unwanted things and need to get rid
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how to pay back an overdraft??? HELP
This is my first thread, so I hiope im in the right place? I graduated in 2005, had a year in work and then went on to do a masters for 2 years, graduating this june. My overdraft is £2000 from my first degre and im paying around £35 a month interest. Ive just got my first job, so really want to start paying it back. I…
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Graduate account Settlement
Hi, I have recently after a while being unemployed got back into full time work and fell behind on payments into my graduate account and the bank have passed my details onto a debt company that are demanding payment of the full amount outstanding £1,900.00 or they say they will take me to court - since I am now employed I…
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Payplan Dmp - New Bank Account
Hi First post here so here goes! Have been accepted for a DMP with payplan today and they have told me I will need a new bank account before I can proceed. What kind of bank account do I need. Is it like bankruptcy where you HAVE to have a basic bank account or can I use a normal current account (no overdraft facility or…
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Cca
Can you ask for your CCA anytimeto see if they are correct?
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Worried about a letter about ex-partner
I have recieved a letter from CreditExpert Experian about my ex, addressed to my house (which I opened - accidently of course). He has basically called them and it looks like he has asked them to amend his credit report as he doesnt agree with one of the creditors on the file - they have said they are looking into it and…
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Hello, I'm a newbie, but thanks to you all I know I,m not alone
Hello, I have only just registered but have visited this site many times.....and this is my story in a nutshell. We have been on a DMP for the past 9 months, and at last we can sleep at night. We started with debts of £74k and to date we are just under the £60k. I wonder how many of you have told family....I know that we…
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Bailiffs and Council Tax arrears
A friend of mine has had her council tax bill passed to a company called 'Swift Credit Services' in South Wales as her account is £800 in arrears. She had been made redundant and is struggling with mortgage and other bills. She has contacted them today to try to arrange a payment plan but they want the full and final…
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bank refusing to accept loan payment to clear debt
I'm posting this on behalf of someone else- any advice appreciated... I had a settlement figure from loan dept at HSBC, so sent off cheque with covering letter giving details of loan account and detailing clearly that i didn't want it paid into any other account with a copy of the settlement figure they sent me…
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mortgage payment Q
Basically I mixed up moving money around this month by a matter of hours and it meant my mortgage payment bounced which i accept happened. Being in a position now where i'm trying to go DF and want to do the right thing so I rang up the lender and payed up with my visa. Then this morning I go online to check my bank and it…
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Red Debt Collection Services
Hi Everyone New To This So Bear With Me. Recieved A Letter Today From Red Debt Collection Services Stating That They Were Considering Serving Me With A Statutory Demand. The Debt Is For 1598 Pounds And On The Behalf Of Hsbc I Have Not Been In Contact With Any Agency Over This Debt And I Also Believe It Ot Be Over 6 Years…
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Confused Newbie...help
Hi, I have been browsing the site for a while but have finally decided that I need more action. I am trying to find my way around the site but not sure where to begin!!! I am a bit bamboozled by all the different threads and unsure where I should start. We have been trundling along for a while financially, however we…
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Acceptable amounts/tactics to offer credit card companies?????
Hi folks I owe the following amounts: Cabot (original Monument) £3,349 MBNA £4,986 Halifax £3,238 I have never reclaimed credit card bank charges. I pay minimums to all three on time by standing order. I have rarely been chased. I really call them. On the one occasion, I was sickly sweet to them. Occasionally I have also…
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Monument sold my debt to Cabot, can I still reclaim charges?
Hi folks Sorry, I meant to add: Monument (Barclays) sold my debt to Cabot in 2008. I wrote to Monument (the original lender) to request copies of statements) as per the standard letter). Is this correct? Am I chasing Monument or Cabot? What is the likely reply and how should I proceed after 40 days? Thx Stuart
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Any reclaiming backdated charges, successes with either Monument, MBNA or Halifax?
Hi I have just sent off the initial request letters for statements to the three companies above to reclaim charges, as per standard letter. Have any members had any successes with any of the above companies and anything I should be aware of? Also, does a phone call work better? I am reluctant to call as I am making…
