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Account in dispute. Help please!
Hi Am more of a reader than a poster, but am a bit stuck here. Basically my other half has received a letter from Marlin in January this yearstating they have been passed an account and demanding payment of £4500. Neither of us know what this is for, been at this address for 5 years and is the first we have heard of…
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Getting married/partner's liability for debt
I haven't had time to work out SOA yet and not sure what to include as only recently moved in with partner, although know all outgoings as have been finding better deals recently. Basically I recently moved in with my fiance, we have a new baby and I have given up work to look after her. I have approx £13k worth of debts…
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Im new, my SOA, plan etc...
Hello everyone, here we go.New year and I am finally aiming to pay off my debt and sort out my finances ! Start with SOA below. Yes wages might look a lot, however bf lost job so am paying for everything at the mo, once he finds new one, any money from him will go towards debt repayments. Worst are the CC, Ive basically…
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bayliff advice
Hi, had a visit today from Jacobs certficated Bailiffs, they had a letter for my son stating that they wanted from him straight away £279.51 for an unpaid parking ticket, I told them my son left home almost 2 years ago, the parking tiocket was from 2007, he stll left me with a letter to pass on to my son , stating he will…
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No light...want to crawl under a rock
I feel like my debt is getting worse and not better! I was finally starting to see some light with my loan coming to an end in August this year. It would mean that I would have an extra £660 a month to try and clear off some of the other debt that I have AND THEN Halifax withdrew my overdraft facility of £1200 and decided…
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Signing letters
Why do some posters say you should only print your name on letters to creditors instead of signing? :confused:
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help...what do i do next?
I posted somewhere else earlier - but not sure if i posted in the right place. Can any one help me and advise what i am supposed to do next????? Had our meeting with CCCs today on the phone - and basically the outcome was that we have to make token payments to all the people we owe money to of £1 per month. I feel like i…
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Advice Requested re Letter from Howard Cohen & Co
Hi Everyone, In January I recieved a letter from Lewis Debt Recovery regarding outstanding debts with Next. After this letter, I sent them a letter asking them to provide me with a copy of the signed CCA as per the Consumer Credit Act. I heard nothing from them at all and yesterday I recieved a letter from Howard Cohen &…
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Mortgage/Credit Card
Could someone please advise? Soon to go on a DMP - have cards with Abbey and A&L (MBNA but A&L owned by Abbey). Have an Abbey mortage that comes to the end of the fixed rate 10/10. I was assuming we will just be put onto the variable rate, but if we are on a DMP might this affect our mortage? All payments are up to date…
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overdrafts
I have 2 ODs OD1 = £244 with Nationwide OD2 = £205 with TSB OD2 is on my DMP but OD1 isn't, both are unplanned. I have made a payment to OD1 of a few £'s a week or so ago and they are refunding me £30 as good will even though the whole balance is made up of £20 + £2 charges. My question is how good are Nationwide at…
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Why a manual underwriter?
I have posted this on the credit card board but they are not as busy as you guys and this is where I feel at home!! Any ideas? I have just contacted Barclaycard to ask for an increase in my credit limit so I can balance transfer my remaining debt to their 6.9% of the life of the balance where the rest of my debts are. They…
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Am I liable for this debt?
Back in 2006 I lived in a shared house with some other people. One of them (lets call him Mr B Smith) had the gas bill in his name. Not his full name just his inital and then surname. When he moved out, no-one bothered to change his name off the bill, and we just kept on paying the gas bill by cheque for the next few…
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Tax Credit Overpayment
Hi I have received a letter for the IR today, saying that we owe them £8000 in overpayments! This is because I failed to sign and return a decleration? This refers to the year of 2007-08, and i'm usually good at paperwork and I don't remember being sent anything to sign?? I have contested the overpayment, but today…
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Equifax - How do you Cancel the Thing!?
Quick question ladies and gents, how do you cancel an equifax account? I signed up for the month free credit report, yet after 30 minutes looking for the cancel button a week later i'm stumped! Any ideas? On a seperate note i really can't see the point in having the thing for longer than a week to check you have no…
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Whats best?
Can anybody help me with a couple of questions? 1)I have been made redundant, and just before this happened I was going to go into debt management, but now I do not have a salary to work out any figures, I am hoping not to be unemployed for long and can just about manage the minimum payments on my credit cards this month.…
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'Debt Collection CAN be Harassment' - What the Courts say
PLEASE take a look at the following link, where you will read of an ordinary 'consumer' who not only took on the might of British Gas and won, but earned praise from the Judge for 'taking a stance against the practices employed by those who collect debt' : http://www.theregister.co.uk/2009/02/26/debt_collection/ Thank you.
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Bailiff and council tax - advice please
Hi, I have had a bit of a run in with a bailiff company _pale_ called Newlyn, by phone not in person. I owe council tax arrears, which I am going to try to clear tomorrow. The bailiffs have been very unhelpful and, I think, they are charging too much for fees £230 (they have never actually visited our property). The fuller…
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Abroad with debt
I stupidly got myself in a fair amount of debt but, determined to pay it off asap, I have taken a far better paid job overseas. I am starting to pay it back as quickly as possible but it would be much much quicker if I wasn't paying interest on the multiple credit cards. Is there anyway that, even though I am a…
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No security Questions asked
Please help. I made a telephone call to m=one of my debtors yesterday advising them I would be making a payment this evening into the account direct from my HSBC account into theirs. This morning they telephoned me a t 08:55 to confirm the transaction. They disclosed all information about the transfer, the bank I deal…
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THURS 26th *1 DAY TO GO DAILY CHAT THREAD!!!!!!*......baby yet?
Is there no other chat thread today? ...Linda xx
