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GE Money Contact
Hi, Hoping someone can advise me ! Please! Had LBM in December. Have been paying token payments of £5 to all my creditors and have now arranged a DMP with Payplan. First payment went to them this month. So far A&L have agreed to the plan, but this week HSBC have called me everyday requesting payment in full of my…
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Money Expert
Hi I am a newbie to this site and just trying to get to grips with the whole forum thing so please bear with me!! I have finally taken my head out the sand am trying to deal with my debt problems. I owe £27K. I called a number I got from this site saying they could write of 75-80% of my debt. It was a company called Money…
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Advice needed pregnant, redundant hubby
Hi everyone, my husband got made redundant 3 weeks ago, (they went into admin owing him dec and jan wages plus holiday and we proberbly wont see any of that, still waiting for the gov. redundancy pay out of 3 weeks wages) and we are expecting our first baby in 3 weeks. I'm looking for advice on how to keep afloat at this…
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Weekly Spend Challenge W/C 15th 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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Hope you don't mind an Aussie creeping in!
Hi everyone, I've been lurking here for a few weeks, after my own lightbulb moment :idea: and I thought I might be a bit more motivated if I had people to share the debt free mission with, and also to SEE my debt reducing. I'm an Aussie, so some of the things you guys have been saying seems a bit foreign to me, but I'm…
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Money I dont owe!!!
Hi I'm not sureif this is in the right place i ahve Buchanan clark and wells Chasing me for utilities for an address i moved out of over 2yrs ago. i have so far sentthem a letter stating when i moved out of the property and sent a copy of my new tenancy agreement as proof of where i was living my tenancy agreement is dated…
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CCA Request
Good morning Since October 2008 i have been chasing a cca request with a dca.Basically i took a loan out a few years ago but after losing my job i got into a bit of money trouble.Anyway this was back in 1998 and since then have been paying a very small amount to them each month.Now back in October i asked for a copy of the…
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debt management programme
ive been on before requesting advice from everyone which i must say is refreshing. I have been considering the big B but as im a fighter Im looking for solutions rather than take that route. I have taken advice and Im being told as im selfemployed a IVA is not the right thing for me. They have advised a debt management…
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Partner has got bailiff letter
hi my partner has received 2 letters today from dukes, saying 'we think we have traced you to the above address please contact us immediatly'. its regarding a couple of parking fines that were being sent to his mum and dads place. my partner had his old car parked on their drive overnight and these bailiffs took it,…
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HELP WITH lLOYDS CC
i AM ON A dmp with cccs lLOYDS tsb credit card reduced my interest for a while but now they are charging me full interest plus late charges so i owe more now because of the interest then i did at the start of DMP . They will not accept my payments and i have received a letter from CCCS saying this .CCCS are contining to…
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I hate Lloyds
Theyve taken out charges again this month and have now given us an unplanned overdraft (we alread have one for £1300!!) We dont want a bigger overdraft. Do they have a right to do this? Id rather them write to us telling us they cannot take payment out and I will go to bank and cash more money rather than get more…
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Can Lloyds claim money from an HBOS account?
Hi I wanted some advice. Can Lloyds (owners of HBOS) try to claim money from a Lloyds account to pay off a debt from a Halifax or Bank of Scoland account (now both with Blair Oliver?) I am concerned about this and have been for some time, reading one or two of the posts, as my wages are paid into Lloyds but I pay off the…
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14/15/2/09 Valentines -What small dfw things have you done??? - weekend thread
: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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***Happy Valentine's Weekend Chat xxx ***
Morning all. Cannot believe I've been up since 6am on a Saturday for no better reason than that I am awake! Nothing to report this morning. So far have cleaned kitchen, fed cat, caught up on the chat from last night and had breakfast. Today we're off to the seaside for lunch then visiting family unless of course, we get…
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HFC and Capquest
Hi I have a loan through Furniture Village that I have had for two years. I have today received a letter from CapQuest saying we need to pay the outstanding balance within 7 days etc. When I apoke to HFC they informed me that they had sent 3 letters to an old address, where we have not lived for over 2 years, I am 99.99%…
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What does SOA mean?
I'm a Newbie, have been reading quite a bit and have posted twice asking for advice and am wondering what SOA means? I know it probably quite obvious but I must be having a DOH!!!! moment..... is there a thread anywhere that explains how to navigate around the forum, abbreviations and extras available etc???? Loz x
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Debt Free Wannabie - Newbie
Hi everyone, Am new to the forum and thought i would post my soa. Any help or suggestions would be appreciated. I have already made a start and negotiated reduced payments for some of my debts. Barclay Card, Southern Water, CRS were all very happy to accept these, but others like northern rock, and the council tax arrears…
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DCA's and overdrafts
Hi All, Great forum - has helped me massively with CCA requests. But I have a problem with Lowell and an old overdraft. Last Aug Lowell-life started the "lets keep our postman busy" campaign with letter after letter requesting payment. I CCA'ed them and they replied with its a bank overdraft so not CCA applicable (fair…
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can anyone help me? DH has lost his job
DH's business has had to close. So he is now unemployed but looking for work. I just want to make sure I am doing everything I can and doing it right! Dh has rung up to sign on for JSA and has a meeting at the local job centre on monday aswell. (I don't get why he has to do both?) We have had one meeting at the Citizens…
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Aktiv Kapital debt
Hi Guys, i'm looking for some advice. I defaulted on two loans about 5 years ago. After hiding my head in the sand i decided to answer the phone calls and get a payment plan sorted with Thames Credit (at this point with interest the loans were worth £10K) I have been paying these off slowly for the past 2 years. i recently…
