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loan supermarket
I like many other people on here have also been scammed by the above people. They have debited my account by £99.99. I did not authorise this payment. Am I right in thinking that my bank can start a dispute over this money being taken
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refused a phone contract
Up till about 18 months ago my duaghter and b/f got into major difficulties debt wise, and had to sell their house as they owed banks and c/cards. This went on for some while with creditors chasing them almost to the harrasment stage. They sold their house and paid off all the debts and mortgage. She went for a contract…
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After 6 years is an unsatisfied CCJ.....
After 6 years is an unsatisfied CCJ automatically taken off my credit file?? Also I've applied for 0% balance transfer cards last year, and presumably been refused because of the CCJ. Will the companies I have applied for a card from have kept details of my CCJ on file, or if the CCJ (touchwood - hopefully?!) leaves my…
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MBNA Problem - Where do i go now?
Hi, This is my first post on this message board so plase be friendly! Basically, i moved into my first house at the beginning of 2008 with my Girlfriend. With all new bills and a mortgage to pay, i have slipped behind on my 2 MBNA cards. I continue to pay my mortgage and all household bills and also keep up payments on my…
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Weekly Spend Challenge W/C 22nd Feb
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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payplan help
hi i have been paying into a payplan account for a good few years. there is still the same again to go and i have just had a review and was wondering if this was still the best thing for me. any help would be grate thanks darren
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SOA help please
Hi everyone I just heard that the maintenance I get from my ex is being cut by loads. There's nothing I can do to change it cos it seems he's been paying more than he really has to since we split. He left me a few years ago with some smallish debts and I cleared them. Now I've just done my new SOA and I'm £200 pm short. I…
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Really getting into a flap about my overdrafts!!!
Hi guys, ive been reading that a few people have had their overdrafts removed with little or no notice from their banks, now seeing as i owe about £4,500:eek: on two overdrafts with natwest im getting extremely worried. There is no way i would beable to pay this off in a lump some or anytime soon. both accounts are used…
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credit rating - what does AS01 mean?
Hi! I have just been to the bank for a mortgage and the branch manager (Lloyds) stated that we have a AS01 credit rating - but I dont know what this means, any ideas? He said that after the credit rating we could only be offered one type of fixed rate mortgage, does this mean? we are a risk? We have always paid off our…
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Looking for real help and advice
Hi all, I have been trying for the last few years to clear my debts and I have now pretty much managed to achieve it. However I have now been told that I am going to receive a reasonable bonus (no, I don't work for a bank!) but don't know what I should do with it. Obviously my head says I should use it to pay off the rest…
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Advice on pre-'98 Student loan
I'm wondering whether I should pay off some of my pre-1998 mortgage-style student loan - currently totaling £6257 - given the current interest rate of 3.8%. As I understand it, the rate won't change till Sept. 2009. The £6257 is broken down into three loans over the three years I was at university, roundabout £2000 per…
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hsbc
hi all just a little question have used the template on here to request hsbc everything they have on me concerning my credit card.tenner with it .2weeks later a letter from them with bank charges. they also said if you have sent a cheque.this will be distroyed.but i am not asking for bank charges.sent the same template…
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Useful list of Creditor's In House Collection Agencies
Reading here the last few days, I haven't found anywhere or any posts (apologies if I haven't searched for hours through zillions of threads but no one has that kind of time do they) but from a lot of posts many don't know the difference between a genuine DCA and one that declares itself as one and trades under a different…
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What now ? CCS, Debt and House Sold... what do I do ? (now with SOA)
Right... 6 months ago I split with my wife etc moved out, and I got lumped with 90% of the debt etc. Was living with nothing, well less than nothing. But now, my house has sold, (hand keys over on Wed) and as advised via the CCS I stopped paying my CCs and debts and made token payments. I owe about 25k ish and a student…
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Can the council do this?
I've been in the shadows for a while but have now stepped into the light! A friend of mine,(yes, this post is for a friend!) runs a business down the road from mine. On Monday she had a visit in her shop from a woman who said she was from the council. She told Lisa that her council tax/business rates hadn't been paid for a…
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question about my legal standpoint
I posted yesterday regarding my issues with Barclaycard and them selling my debt. I just receive a call from 1st Credit regarding my outstanding balance. This is the first I have heard from them at all. (no previous calls, no letters) They asked for the complete balance in the one go as the debt has been sold on and then…
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SOA Calculator updates & news on Snowball Calculator
Hi all, I've just made a few amendments to the SOA Calculator. It shouldn't have any impact on you, but the changes are:* The "Save Data" button now saves an additional bit of info that will be used by the integrated Snowball Calculator when it comes along. * When copying and pasting your SOA into MSE, it will also paste…
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Halifax withdrawing o/d - I'm in such a mess
Hi, I am looking for advice please as I am panicking so much I can't think straight. I have a current account with an o/d of 900 pounds which is about to be withdrawn. On the 15th march it will go down to nil which will leave me in a terrible financial situation. I have read advice on other threads saying to apply for a…
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Swirling in and out of debt
Hi, I've been lurking for a while and yesterday made my first post which managed to delete itself. So here goes attempt 2. I had written about OH being a bit of a head in the sand kind of guy, but he appears to have had a little lightbulb moment. Tomorrow we are going to go through all our payments and the big pile of post…
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advice please
I have various different debts totalling about £21k. They ar emade up or two car loans two credit cards two storecards a career development loan and a personal loan. I really would like to arrange my finances to make the most financial sense with re to paying interest reducing monthly payments. i do not want to use a debt…
