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payments whilst on benefits?
I am currently claiming jobseekers allowance while i look for a new job, i told alliance an leicester this when i wrote to them informing them that due to me leaving a fee charging company i could now afford to pay them £15 a month rather than the £1 the fee charging company was paying them, then today i get a letter…
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New Help for Low Income Groups in Debt
The government is about to unveil a new package called a Debt Relief Order to help the small, but not insignificant group of people who cannot receive mainstream debt help. The debt relief order will help people who have debt but do not own their property, have little or no assets and have a small income. Such people often…
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So Finally I may have passed the corner...
Ok so got lots of debts when at Uni and then exacerbated them by messing up my work expenses and generally being a clown My Debts are: Loan A+L £10500 owed off £15000 loan at £457.88 a month (6% APR) Mint Loan £15000 off a £25000 loan at £397.54 a month (7% APR) Barclaycard £5500 at £97.00 per month (20% APR) BOS Card…
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Dodgy DCA Tactics.
After watching Watchdog the other night it made me wonder what dodgy tactics some (most/all)? of these DCA's use. I have personally had cards mailed to myself through the post saying someone tried to deliver a parcel but i was out. I did think this was strange when the card was clearly addressed to myself and posted with a…
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RBS instructing a 'search' for me????
Hi Everyone I`m new here so please excuse the silly questions that might crop up from time to time. In a nut shell, I took out a loan with Tesco in 2004. Unfortunately I defaulted on a few payments so it was referred to RBS who I agreed a repayment plan with. This has been in place for 4 years now, no defaults or problems.…
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Apex credit
I have a dmp with payplan and today while at work Apex credit phoned my home (husband rang me at work to tell me). Now, apex are one of the companies I am paying a debt to via payplan so why would the phone me at home? Do I phone them find out what they wanted and tell them to deal with payplan or do I ignore the call and…
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Garage went bust???
I have just realised that my car tax ran out on my OH's car at the end of January and I hadnt even noticed. I thought it weird hadn't had a reminder or anything. Went on to DVLA's website and if you put your car registration in, it says when the tax is due - it said my car hadn't had car tax since April 2008 :eek: :eek:…
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Advice - digging myself in deeper
I'm a long time reader and only just joined up to post here. I'm depressed and coming to desperation over the state i'm in. Firstly i've recently acknowledged that i have problems with severe depression and non existant self esteem for which i have been seeing my doctor and have now started seeing a counsellor. I've got…
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Full & Final Settlement offered - typo on agreement letter
Hi All - I posted last year about debt issues my mother was having. Since then she's made some great progress and wrote to her main creditor, HSBC, offering a full and final settlement offer. She offered £28,170 which was around 75% of the total debt to them. They've written back accepting her offer of £2,817.00 -…
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The CCA request and legalities
I have put this thread together so that people can see where various pieces of information have come from with regards CCA requests and why a debt may be deemed unenforcable. Much of the information i have learned from other users (Fermi, Rog2, RAS, Weller, Crown) and would like to thank them for continuing to educate me…
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Another set of court papers!
Hi All, This morning l recieved court papers from northampton for another one of my ge money accounts. Now!! l've been trying to learn as l go along from op's, would l be right in thinking that if l file the acknowledgement of service, this will give me 28 days, in the meantime l can request a copy of the cca from cohens…
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Ways to keep calm
Hey all, I thought it might help if I started a thread about how to keep calm in times of stress. I'll put here some of the stuff that I do, then people can add what they do aswell. Then new people can have a browse and maybe not panic as much. Tips I have this little logic thing that I do whenever this are getting on top…
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Can a foreign company do this?
First time poster so not sure if I’m in the right forum for this but here goes. Basically an American company has used a UK debt collecting agency to recover an alleged debt from me. Can they do this? Does a US company have any jurisdiction regarding UK law or is this some tactic they might be using? Thanks for any advice…
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Remained strong for so long but now I am falling apart...
My husband and I have huge debts over 5 creditors. We earn good money between us and were able to pay monthly and live comfortably... until I fell pregnant. I had my baby in May and have just returned to work. I have gone back full time to ensure I earn as much as I can. My daughter goes to nursery 3 days a week so not…
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DMP or not DMP that is the question?
Hi All, I have been on the forum for about a week now and have had excellent advice from you all :T My thread "SOA ouch!!!!" has my SOA on. With all the advice thant I have received, I have made quite a lot of changes and have managed to save £££££££££££££:j I have changed my bank account in time for salary to be moved by…
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Moving In Together
Hi all, Firstly, sorry if I'm in the wrong place, couldn't find a suitable forum!! My girlfriend and I are planning on moving in together, but cannot for the life of us work out whether we can afford to. I know that sounds strange!! The problem is, my girlfriend has two children, and is on benefits. She gets £105 per week…
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How To Pay One Pound?
For a CCA? How do most people pay the pound? If I write a cheque, they get my signature.
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Whose Debt Is It Anyway?
My wife and I in the midst of trying to pull ourselves out of the hole. Whilst going over our accounts it occurs to me that the only 'problem' debt we have are 3 CCs. All of these are in my name and I was the sole applicant. Our mort. and personal loan are joint. Does this mean anything in the grand scheme?
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unable to go bankrupt
can anyone help Ive done the cccs calculator and it says that i still would not be able to afford to live if i went bankrupt so i would not be able to do so, what do i do now with the three credit cards I can not pay and have two final demands for, my circumstances have change, i have been made redundant and my husband…
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Experian report.....very confused......
I have just checked my Experian report as I am really struggling every month trying to pay stupid amounts of interest on credit cards that seem to have no intention of reducing, so I check my experian report........its not too bad, just one 1 in the past year (bloomin' natwest overdraft charges), but for god knows what…
