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Asset Collection company chasing debt from peson who doesnt live in our rented house
We have been in our property for approx. 3 months, and have been receiving letters for people who we presume lived here before. As requested by the landlord, we have been sending them back saying 'not at this address'. One came today and I could see under the front window that it ws from a Asset Collection company. I…
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Friend borrowed 6k-not paid back...
Dear all-, hope this is in the right place - if not hope the mods move it! Basically, a friend borrowed 6k from us about 4 years ago. We didn't have it at the time, but he was desperate so we took out 6k on a credit card for him.Over time, we have switched it to low interest type cards, but 4 years on, he has moved abroad,…
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Online Bank account not affiliated with anyone
Hi there Does anyone know of any online banks (besides Smile) that aren't linked to any other banks? I'm in a dmp, would like to open another bank account but obviously don't want to open one with one of my current creditors. Thanks Jo
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Charges letters to MBNA, Monument, halifax Credit Card HQs
Hi all I have downloaded the excellent template for requesting details of all charges from three credit card companies I hold debts with - Halifax Credit Card; MBNA; and Monument (although this has recently been sold to Cabot....) I have sent them registered this morning to the HQs on Martin's list along with £10 cheques…
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change at the bank
Does anyone know how much change the bank will take in one go please
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Tuesday 4/11/08 What small dfw things have you done 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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Pap & Moozies what have/will you spend Tuesday 4th November
Gooooooooooooooood Morning everyone:D I have an ebay parcel to mail off today so not a nsd here. Keep it low and have a great day:D
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**Daily Chat Thread**4th Nov 08
Morning again, don't these days come round quick..... Have managed to keep up with my budget again! And I am busy sorting out my payments to get my credit cards down, I had let it slip a bit....but if I want to go to OZ next year I am really going to have to get my !!!! into gear. Big rumour is that Robbie will be coming…
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New beginning
Tomorrow I will have paid off all my credit card debts. That's right, a hefty remortgage has allowed me to consolidate and pay those pesky interest-charging cards. I know, I know, I'm still paying through the nose with the mortgage but I think I got me a good deal (it's fixed for 3 years so I can budget properly) and my…
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On a DMP and have spare cash - what should I do with it?
Hi all, I started a DMP through a non-profit organization in June after my wife gave up work to have a baby. The reduction in household income meant we could not afford to make min payments on unsecured debts any more. Debts are approx £56000 to 11 creditors. Creditors have all accepted my payments and, when I got a pay…
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posted twice in error
Posted twice in error - sorry
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What is an IPA
Just that really. I've been browsing the forums, and have been seeing this abbreviation many times, but I have no idea what it is. Could somebody please enlighten me. It just seems like one more complication.
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Setting aside a STATUTORY DEMAND
I have posted in previous threads that I have dad a stat demand served upon me that states a bankruptcy petition will be submitted to court. We had a word with Payplan (still brilliant) who sent us the set aside forms (which are also available for download) at: The two forms required to set this aside are:…
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Help needed!
I have about £6000 worth of debt which i need to clear but I have no idea how to. if anyone can suggest ideas to help me it would be appreciated so much! Amy
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Xtra money selling logs........
Hi, We sometimes sell logs to get xtra cash:j but we are looking for a quirky name for it as were maybe going to get free leaflets etc........thought of a few.......... first 4 logs sparks logs2go or something wood you like delivered but really would love something that jumps out at me:eek: Thanks in advance......any help…
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getting my act together!
a few years ago, i got myself into a mess. i was going through a divorce, suffering from depression and other issues (not exuses, just trying to make sense of it all in hindsight), and ended up in around £9k of debt (ish). this was made up of credit cards, overdrafts and various smaller amounts. i have some ccjs i imagine,…
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Notes on dealing with DCAs and credit control
I work for a DCA (one of the few reasonable ones). Here's a few things to note:- 1) Efficiency is a top priority for any DCA; time = money. For this reason automated letter sequences & letters are the norm. The DCA that I work for has in excess of 100 pre-formatted pre-written letter codes to speed up the process of…
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Debt from Marbles/HFC passed to Capquest
I had an account with Marbles/HFC which was passed to debt collectors - Capquest. Marbles charged me extortionate fees which amount to over half the debt. I was wondering who to send the fee reclaiming letters to - Marbles (if I can find an address) or Capquest?
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What next?
DH didnt make his minimum payment on his cc last month and the cc company have been hounding us with telephone calls for the last couple of weeks. His new statement has come, the minimum payment has doubled and we haven't got a hope in hell of paying it (we have made some small payments throughout the last couple of weeks…
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Any Doncaster mystery shoppers?? Help!
DH did a MS at the Halifax in Donny (St Schepulre Gate? or something like that), but forgot to make note of what's on left and right. Anyone done that shop before who can help us out? Pretty please?! Would be HUUUUUGELY appreciated as we're going to be out all day tomorrow and not have time to fill the report in then. (I…
