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Gym membership - Credit check?
Hi everyone. My boyfriend decided to renew his gym membership yesterday which he normally pays in full, in cash. However with Xmas coming up and a holiday, he decided to go for the monthly direct debit. Now he had some debts in the past from his student days which were deafaulted and he is now paying off gradually.…
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Capquest
I received a letter this morning from Capquest saying they are working for Capital One and want a payment from me of £4531.51 within 7 days. I simply cannot pay this, it says in the letter if I can't pay it to contact them. What should I do? I'm really scared because I have loads of other debts also.
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Chased by debt collection agencies - the debt isn't mine?!
Sorry if this is in the wrong forum - I couldn't see a more obvious place for it. Over the past year I've had a number of run-ins with debt collection agencies over debts which aren't mine. Around 18 months ago my fiance and I moved house - moving in initially with her parents with the intention of buying from them (which…
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Online statements
I had a bit of argy bargy with Tesco personal finance this month. No doubt another hit to my credit rating :( . Had been trying to phone them and getting nothing but 'press 1 for this 2 for that....eventually put on hold for an age, never getting to speak to anyone and sat on a premium rate number ( Now got No 2 0870 in my…
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Dealing with creditors during initial set-up of DMP
Hello, I've just back all the forms to the CCCS and notice of debt management plan to my creditors. Today I've had Egg on the phone chasing up payment and explained to them that I am entering a DMP and that I've sent a £1 token payment for November's payment until the CCCS get in touch with them. At this point they tell me…
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Pap & Moozies what have/will you spend Thursday 6th November
Morning all I'm still dying from my cold so should be a NSD day as I'm off work. have a good day all, keep it low! x
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£40k Debt, any advice please?
[Statement of Affairs and Personal Balance Sheet[/b] Monthly Income Details Monthly income after tax................ 530 Partners monthly income after tax....... 1000 Benefits................................ 356 Other income............................ 0 Total monthly income.................... 1886 Monthly Expense Details…
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What have/will you spend thursday 6th November?
Good morning all :j Hope you are all having a fantastic week. So what have/will you spend today? Remember try and keep it low and remember martins money mantra :D Have a great day :A Yesterday for me was a nsd and today will also be a nsd :j
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Thursday 06/11/08. What small dfw things will you do today???
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, when…
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*Daily Chat Thread* 6/11/08
Well, i find myself up and about at this early hour (Late hour for me as i've been home for about an hour - Long night at work) So i thought i'd start todays thread... With your kind permissions of course :) So, what have i learned tonight? America has their first black president - this is an achievement after 40 yrs since…
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Scottish Widows Credit Card address?
Hello..ive been trying to make a offer of full/final re this credit card but seem to have a problem over the right address. Ive tried one in Brighton and never had a reply and then twice sent letters to an office in Birmingham and on both occasions they treated my letter as a complaint..and said they would get back to…
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helping new boyfriend
i've been seeing my new fella for a few months now and he has asked to help him sort his finances, he wants an !!!! kicking to sort himself out, i've printed lots of bits out and lent him the MSE book but i was just wondering, if you had to give one piece of advice what would it be oh i guess a bit of background might…
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full final
just sent letters to BCW £8000 BCW £2000 Cahoot £6000 CL Finance £13000 Mint £1800 Tesco £2200 Capital one £800 Been on a dmp for 18 months paying £115.00 a month parents offered to give me some money so have sent them all full finals offering 25% to accept. I know its low but thought with credit crunch and that start low…
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Cheap magazine deals...are they worth it?
Hi all, Ive come across online lots of uy 3 issues for £1, 3 issues for £3 deals on well known magazines. You take out the subscription but cancel it. Has anyone encounted any problems getting charged when cancelling the suscription before getting charged the full wack? I only want the offer as its cheap and will help me…
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Debt Management
Hi, Im wondering if anyone has some advice. I have approx £14k debt. 10k is on credit card, and im only just managing to pay the interest and no more, 2k is my overdraft, and the other 2k is a loan that i have. Im struggling to meet payments now, and i saw an online advert for Blue Finance Management. I spoke to them today…
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1st Credit
Hi, can anyone advise, I had a loan with Abbey for £10,000 for home improvement which despite my best efforts to keep up payment when I lost my job I eventually ended up with about £400 arrears. I took out a DMP when I finally got back into work and began paying Abbey (and other debts) through the dmp just over 2/3rds of…
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Why do I have to spend it like it grows on trees??
Hi all, I've been lurking for around a month now (sorry). Just decided to bite the bullet and join. My debts aren't huge but are a big worry for me, causing depression etc. I'm not sure why but when payday comes along, I seem to think I've got loads of money (when I know I don't) and go crazy! I don't know how to stop…
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removing a very annoying default
Hi all, hope someone out there has some advice for me, i have a default from 2005 and was settled 2005 that halifax put on through a loan account. although i contest that it ever should of gone into default they refuse to remove it. i have sent them several letters over about six months and all they can say is how it is a…
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Okay, who else can't pay their Tax Bill ?
After worrying about it for too long I have finally drummed up the courage to write to HMRC today and say that there is no way that we can pay DH tax Bill due in January 2009. Exactly this week last year the housebuilders in our area just stopped building and DH being in the trade, lost his job. We managed to pay January…
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A question about consolidation
I have read more than once that consolidation is a bad idea. I understand why consolidating to a mortgage isn't great but don't understand why consolidating to a cheaper rate credit card or loan is? Am I missing something?
