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Repayment or Interest Only?
Hi Just thougt I'd put it out there as a question, we've always been on I.O mortg. as an adverse borrower the plan was to wait 2 yrs and then switch to better deal - it didn't work. Now for what we paid on I.O at the start we can switch to repayment - but this is a cost of £200 extra. I'd really like an opinion... It would…
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are credit card debts unenforceable??
hi i currently have debts on 3 credit cards and have seen an advert that claims if the cards were taken out before April 2007 that they are not enforceable. i have since spoken to the company and the call centre worker told me that someone would come round to my house, we would go through the paperwork and that is free. if…
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debt for previous occupiers
I don't know if anyone can help me buut I moved into my home last december and have been getting letters from fashion world catalogue for the previous occupiers. I kept sending them back not know at this address but they kept coming. Anyway I got another on today so I decided to open it, and its a debt for quite alot of…
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right time to cca or not?
I am on a self managed dmp, today I have had a letter from lovely mbna saying the following. A DEFAULT is due to register on your credit file in the next few days in relation to the above account. This will seriously affect your ability to gain any form of credit in the future (who cares) When the default is registered,…
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Debitas/Capital One - Want my signature?
Hi, Been a lurker on here for a long time now and gathered lots of information - but this is my first post. I have searched the forums for this information but can't find it - so apologies if this is a duplicate! Recently wrote to all my creditors with a SOE asking to make reduced payments. Have received acceptance letters…
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Help Needed
What is the best way for me to pay off the balance on a car loan we got that has now come to an end with a balance of £7000. We were under the impression that ING would take the car back at the end of the term, and that would be it. If only it was that simple, unfortunately we were mislled this was not the case and now we…
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National Debtline
I'd just like to encourage folk to contact these people if you are worried about your situations but don't know what to do next. The package they send out is really useful for helping with various debt problems, they provide sample letters to use and lots of important advice on debt, arrears, collection agencies -…
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Reasonable expenses for court form
I'm filling in a form for 'suspension of a warrant and/or variation of an order'. It's from the bailiff who called round for a cc debt through court. I'm filling in the expenses section and wondered what were reasonable costs for 'Housekeeping, food, school meals' and 'Children's clothing'? Our household is me and dh -…
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I put it all on Black. It came up Red. Debt Free in 2009...
Hi All Another day, another DFD. This is to try and keep me motivated to do the decent thing and become Debt Free this year, rather than continuing to spend and taking another x years! A little about where I am. I'm well paid, educated and ambitious. However I have a nasty habit involving betting on anything that moves…
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CCA In A Nutshell Please
So many references to it here. Can someone give me a quick summary or point me in the direction of one? Many thanks
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Electoral roll registration at 2 addresses
Hi, I'm a student and recently discovered that I could be registered on the electoral both at my term time address and at my parents' address. I understand that ideally I should be registered at my parents address and have all my financial correspondence sent to my parents' address to have the best rating, however this is…
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ICO telephone harassment
I have complained to Ofcom about all the calls I keep getting from MBNA and Capital One they have contacted me and told me to complain to Information Commissioners Office has anyone had any dealings with them as I thought Ofcom dealt with all complaints:confused:
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Can they do this?
I have just had a letter from one of my creditors, telling me that My Direct Debit payment has been returned "refer to payer" by my bankers. They will be resubmitting the DD claim on 17th Feb and providing I have cleared funds available in the account on that date I need take no further action. A charge of £15. has been…
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Good Girl Gone Bad
Hello Everyone! Please bear with me if I end up sounding like just another debt laden person, am new to the forums and am hoping to find lots of useful info here :o So up until recently I have always been debt free. My overdraft has only ever been £100 (still is actually) and have had good quality of life. Unfortunately my…
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Paying the price for a year of stupidity...
Afternoon all, Well, i don't quite know what to say :confused: . I am soo uncontrollably angry with myself. I posted on here a few years ago while i was a student struggling with money and then when i first started work and wanted to pay off the CC bills etc. A year ago, everything was pretty much ok - i had cleared the…
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baileff at the door help
my daughters opened the door and there was a bailieff there looking for a person who does not live here..i keep getting letters which i sent back and also got in touch saying they dont live here..but today a baileff come and will be returning shortly..what do i do..i don,t know the person they are after and i,m scared they…
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CAB Advice
Hi all I am unemployed and need to sort out my debts while I have no income coming in, so I phoned my local CAB office to make an appointment and I can't get an appointment for 4-5 weeks. Really need to sort something out, is there anything I can do myself e.g. send creditors letters or is there any other help out there. I…
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Newbie Debt Help
My previous thread seems to have dropped into oblivion over the weekend so I'll start a new one, putting things in a nutshell. My wife and I both have good-paying, stable jobs. We have not thus far ever defaulted (or even been late) on a single bill or payment-ever. I have just started a new job that pays another £5K more…
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Not sure what else we can do?
We started to focus on reducing our debts back in August / September of last year after we realised how long we would be in debt if we kept frittering our money away. We have had ups and downs, but have done ok so far in reducing our credit cards. We have one left with Virgin which has a balance of £4520 on it (see sig.…
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credit report question ??
Hi I have just recieved my credit report from experian and i am confused as various 'debts' do not appear on it for example the finance on my car ? should all my debts be showing ?
