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Student debt/bankruptcy
I'm a second year student struggling in the current credit crunch.. I lost a job before christmas which payed £64 a week as the company couldn't afford to employ us anymore. I'm now in serious difficulty I cannot find another job that fits around my studies- I've been to the job centre, the university job shop, been to a…
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Help Regarding O2 Needed Please!!!
Hi, im new to the forums but dicided to post as iv got a big problem with o2 at the moment! I took out an 18 month contract with o2 in Jan 08, In august 08 i phoned there customer service (which is the worst i have ever dealt with!!) and asked how much i owed to them, they said i owed them £96 which i then paid off over…
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Help & Advice Needed Please
I can't put things off any longer and my outgoings are more then my incomings by about £200 a month. I am not in any areears currently but due to unexpected repairs and a large hike in CC rates I can't see how I can make all my payments from March onwards. At the moment there's little chance of me getting a loan at a…
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Council Tax Liability Order...
Don't know if this the correct forum to post this in but anyway. We had a letter this morning saying that our Council Tax was in arrears and have to pay around £148 (£54 Charge) within 14 days. The thing is my mom has been paying the bill every two weeks as arranged when she got the bill last year and I check to make sure…
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Im definatley a debt free nerd..Im WANTING to ecieve my CC bills!
:cool: ...I cannot wait for my credit card bills to come in so I can pay them off. What is wrong with me:confused: Maybe its because once they are paid I can try and enjoy the money (if any) I have left. Its nice to get back on track with all my finanaces at last. Although Lloyds loan are messing s about with settling our…
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Council Tax / Baliff Help Please
Hi All, My partner and I got behind with our council tax earlier in the year. Stupidly we waited until we got a court summons before acting. However we went to the council the same day that we received the letter and sorted out a repayment plan to. We have stuck to this plan and not missed a payment. So I was a bit annoyed…
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21/22/02/09 Weekend what small dfw things have you done ???
: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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~~Daily Chat 21/2/09~~All Welcome! 1 week 'til Manchester!
Morning Campers! 1 week 'til we all meet up in Manchester for what will be the biggest meet so far (I think?:confused: ) Hope everyone is ok today. Sall, hope you and DH slept last night. Snags, hope your date went well! Annie, hope your head isn't too sore. Luc, hope you've popped! Everyone else, Hope you're all ok! x
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Consumer credit act question
Sorry for a daft question for those who know but can someone clarify for me.... As an example, say I owe a bank £1,000 and they are adding interest @ £25 a month, and I am struggling to pay off £25 a month (but managing to do so, so the outstanding balance is about the same all the time and has been for say the last 6…
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If you have an old Galabingo account
Until Sunday if you buy a ticket, then they credit you account with £1. Even if you only buy a 2p ticket:beer: . I have done this the last two days and got £2 credited chev
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ccj,s help
:eek: hfc through restons applied for a ccj payplan had paid £129.03 as our first payment . northampton county court i presume told us to pay £145.91 as this was second payment paid by payplan . today have received a letter of notice of transfer of proceedings for redetermination of payment by claiment does this mean they…
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hi im in great need of some advice please
hi everyone, i seem to have got myself in to some debt and now i have 3 letters 1 from hileagal/capquest telling me that they will be taking me to court if i don't contact them about the amount outstanding on my vodafone account around 500 2 moorcroft debt recovery about my argos card ( over 80 quid in late charges) even…
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Advice On What I Think Is 50,000 Owed Pls!
Ok So I Think I Owe About 50,000 Me And My Husband, This Is Broken Down To Credit Cards Overdrafts Bank Of Dad And Student Loans. Heres The Second Thing We Are Moving Out Of My Parents Next Week Into Our Own Place And I Really Wanna Sort Out Our Debt Now We Will Be On Our Ow Once More. My Oh Works Full Time And I Have A 6…
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madness i know
i have called vanquis and finally paid them off. Ok it was only my smallest credit card £250 but its done. One i get the statement next month i can cancel it completely. I got the money by ebaying things and selling books on amazon. Im realy trying to get out of what is a desperate situation and i thought vanquis was my…
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lowell portfolio I/mackenzie hall/three uk
Ive just recieved a letter from Lowell portfolio I/ Mackenzie Ltd stating that theyve purchased a debt of mine from 3 uk(mobile phone company) and stating that i owe them £25.68. I was fuming and rang Lowell about this although i kept calm on the phone to them. The problem is, im addament i dont owe 3 anything. Ive checked…
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Debt Collectors letter to "householder"
Hi I'm writing on behalf of a friend who has recieved a letter today from a debt collection agency, however it was not addressed to him, rather it was addressed to "the Householder". He's just come to our house, and doesn't remember the company name - but I am just testing the water before I get further info from him when…
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lowell portfolio I/mackenzie hall/three uk
Ive just recieved a letter from Lowell portfolio I/ Mackenzie Ltd stating that theyve purchased a debt of mine from 3 uk(mobile phone company) and stating that i owe them £25.68. I was fuming and rang Lowell about this although i kept calm on the phone to them. The problem is, im addament i dont owe 3 anything. Ive checked…
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Bank Account Q
Hi all, I have just lost my job and have debts of 14k, so i will either have to go on DMP or delcare bankruptcy. Still not decided on which is best? I was wondering also, if i declare myself bankrupt, i have just opened a new current account with a different bank i dont owe any debts to, will my new account get frozen or…
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Help and advice needed please.
Hi i am a newbie to the site and thought i would ask for help. I fell into debt troubles in 2002-2003. Bad relationship break down, premature baby and postnatal depression and job loss. Tried to maintain my debts for a while, used CAB £1 a month to all debtors. Then buried my head in the sand and havent paid any for years.…
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csa debts
are old csa debts statue barred, after not hearing from them for at least 8 years , i recieved various letters from them 6 months ago demanding £9000 , then today a letter from a debt collection agent demanding the full amount in 7 days , or else the bailiffs will attend, his it best to deal with the collection agent, or…
