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Can anyone advise me on this situation?
Hi, I'm sorry if this isn't the right part of the forum but this isn't about paying of debts, but recovering them from someone. A few months ago I lend my boyfriend some money to pay off his friends debts (around £1750), we then split up and ever since then (2months now) I've been waiting for a single instalment. He earns…
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Some advice regarding payplan
Hi I am currently under a DM with payplan and have been paying for about a year, my remaining debt is around £22000 and i pay 300 a month between 4 debtors, the main one being about £12000. I have the chance to pay this off and was advised by payplan that if i did an IVA and then made a final settlement offer i was looking…
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In A Slight Mess And New To This
Hi Everyone, I'M Kinda new to this and getting a bit lost, I have bee reading about DCA's because I have recieved several letters from them. BCW, SCOTCALL etc,etc. What i'm looking for is the stauate barred and CCA letter Templates that every one is talking about, but I cant find them on here.. can anyone point me in right…
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Can I for once stick to a monthly budget ?? Help Please you lovely people
Every month at the beginning I work out a strict budget for my monthly costs and every month to date I have not kept to it. I have tried everything, even leaving my purse / cards at home but I feel vulnerable without any funds on me. I am not extravagant but there always seems to be something unaccounted for. I have…
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Offering full and final to Blair Oliver
Hi Has anyone had any expereince of offering a full and final settlement to Blair Oliver and Scott ? Would be interested in any accepted percentages? Currently paying 60 a month on 25,000 loan taken out 2004, but circumstances have recently worsened with redundancy, interest frozen, and recently requested ccs. Advice…
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Whoopee - the tunnel end is approaching!
Got paid yesterday (a bit earlier than I expected) so scuttled off to the bank to get a current balance. Assuming my mortgage hasn't gone out yet, I will be only £330 overdrawn at the start of March. That means, for a few days at least, next month I shall be in the black for the first time in at least 8 years and being…
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Getting Credit Card Company To Write Off Debt
I hope this is the right place, so here goes: Has anyone ever had a debt written off by a credit card company? I have a debt of just over £1,100 with egg card. The card can no longer be used as it was one of those withdrawn and closed by Egg. I am managing the minimum payment each month, but it will take some time to repay…
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spend just a pound a day on non essentials in march challenge..
anyone up for it ..non essentials the mags clothes accessories etc and no your daily lunch at star bucks and panninni is not a essential.you can make your own sarnies! or you can add dys together say spend nothing for a week then treat yourslef to a bottle of wine at the end of the week? if so join here x 1..noynoy £31 2.…
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Lloyds TSB V Me
Hi MSE's, I have never really taken full control of my finances and looked into all the details until reading through this site and wanting to live debt free. In the past as long as I could eat and pay the rent where the money went didnt really bother me. I approached my bank Lloyds tsb in November as I was out of work and…
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Self Help Pack - free from Cap UK
http://www.capuk.org/downloads/CAP_self_help_pack.pdf New product from CAP uk. Just spotted it but it looks great and I think is an excellent starting point for those considering doing their own DMP
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Link Financial - Possible DPA Issue
I got a post card this morning from Link Financial asking me to call Helen urgently. Link have purchased my MBNA debt. So I called the number on the card. They asked for my re number I went to get my original letter from them to get it when they pointed out its on the front of the postcard next to my address. The only…
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Credit Rating and Tenants
I'm looking for some general guidance on credit rating. I have been in London for work reasons over the past 3.5 years and in that time let out my house in Cardiff to private tenants. Unfortunately, the tenants were not great and moved out leaving a lot of bad debt behind with them. I have recently moved back to my house…
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Debt Management plan
Hi, I'm a bit new to all this. Basically, I've just bitten the bullet and taken the first steps to setting up a debt management plan to get rid of all my debts and get my creditors off my back. It was very scary but the woman on the phone was lovely, and I finally feel like there is light at the end of the tunnel. I am…
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So annoyed
Hi OH went BK in July and our landlord didn't bat an eyelid when we told him. But OHs job has now moved further away and he now has to drive an hour and a half each way so we need to move closer. (OHs brother will sign for us and we have really good references) We found a lovely little house but now the estate agent says…
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help in a total mess!
Hi, can anyone give me some much needed advice on my self imposed mess? After a long divorce, which is still not finalised and business failure, i found myself with no income and as i had an excellent credit rating i was able to obtain a £10k loan and a number of credit cards about £40k, in the past 2 years as legal bills…
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What is deemed as 'too many' credit apps?
Hi all - we have a virgin card which we've been using as a 0% transfer - the 0% runs out in August and we want to apply for another 0% card. I have good credit (never missed a payment etc) but I did take a new mobi contract out and a credit card (0% purchases) this year, so I'm wondering if that may affect my chances of…
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Time to sort debts out - any advice
Hi, I have been looking at this site for a few months now and am inspired to sort out my debts. I am self employed (and quiet at the moment) and my wife has been out of work for some time now. Now my wife is back in regular work now (although it is monthly pay and we wont see the benefit for 2 months) it is time to sort…
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debt management and M&S
Hi All Here I am, still avoiding BR!! (rightly or wrongly!). I am hoping someone on this board can help me with this one - hope I'm in the right place? I am finally about to start a debt management plan but I see that the bank behind M&S is HSBC and I have 3 x business accounts with them and one personal account and an…
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CCA Request letter
Hi I was wondering if there was a template letter for a CCA request or if anyone would be able to help me word one. Sarah
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I want to reduce my debt - any advise
Hi all, i am self employed and business is quiet but i am determined to sort out my accounts. My wife has been out of work for a while and all my money has been going to clearing our household and business bills. Now is the time to sort my own as i have only been paying mine when people hassle me and paying people who…
