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Ways to save money at work
Hi all i thought i would start a thread to see if there are any ways that we can save money or gain a little extra from work. Obvoiusly im not suggesting that anyone does any thing dodgy or illegal. The biggest one i have found that helps is buying the office stationary. I use Viking Direct and if you go through Quidco on…
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Wescot
I received a demand for payment of a debt from Wescot debt collection agency back in November. I sent out the letter asking for proof that I owe this debt with a postal order for £1 which i'm hoping is the correct amount. Anyway they didn't reply until a month ago stating that if I did not contact them and pay up they…
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1ST Credit.... 7 months later. PLEASE help
7 Months ago I requested a CCA from them. In writing - I gave them the usual 12 days (+2). It has taken them 7 months to send the information to me. Am I still liable or have they messed up?? Any advice gratefully received. This is my last bad credit people!!
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Really basic CCA questions
Hello, I try to read the forum but sometimes its hard to keep up and review the long threads so please forgive me if this is already posted on here Q1 - am i right in thinking Overdrafts on Current Accounts are not covered by CCAs - so I shouldnt waste my time Q2 -what date did the account have to be opened by to be…
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Does it ever make you feel...not normal?
Hi Sorry I'm just a little bit off at the moment, but was clearing out some bits and found an old credit card and bank statement (when I actually had a decent debit card!). I just thought to myself "god I wish I was normal" I am sure I mean better with money or back in control - certainly don't feel it. I'm probably being…
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Can you return to you old bank?
Hi Long story short I was pretty financially ok until coupled with my now hubby (sorry dude I do love you but..) anyway I was with HSBC and I really liked my account. They have sold all but one of my debts on, am I able to ever return to them e.g. when the final debt with them is cleared?? I banked with them for 10 yrs…
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Ruthbridge Ltd - Letter to the Occupier
Hello, I have received a letter addressed to 'the occupier' from a company called Ruthbridge Limited, stating 'Urgent, please contact the undersigned immediately' From a bit of google research I have found out that this company is some kind of debt collection agency. A friend and I moved into the property 6mths ago,…
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Payplan - help
Just had my call with Payplan and to be honest everything is just a cloudy as it was before! Im not sure what to do, they say i can afford 208 per month for DMP or Trust Deed but i know i cant. Im living on my wage even though i live with my partner but because of that fact they said i had to split my living expense by…
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Token Payments?
Hi, I have recently been made redundant and my OH has had his hours slashed. We are really struggling to get by and, whilst I dont want to run away from my debt I want to lower my payments for the time being, offering token payments until things get back on track. How do I word such a letter? Many thanks for any help you…
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Few DMP questions
Hi all Just wondering if anyone can help me with a few questions I have. I had the phone interview this morning with payplan, it went really well but there is a few things I forgot to ask. My wage varies from month to month and at times will include a small bonus and some overtime. The figure I gave payplan was my net…
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Trying to fill in Court papers N9A - Any helpers??
Hi all I'm trying to fill in court papers that landed on my door yesterday with a posting date of 10/03/09!!!:eek: :eek: Only have 14 days from postmark to fill in which means they have to be back by 24th which is Tuesday!! They are papers to secure payment of the Home Information pack we took out last feb when the house…
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Debts that need sorted out
Hi everyone I am new to these forums so bear with me. I have major debt problems at the moment and have realised that these need to be sorted. I have been ignoring them hoping that they will just disappear (yes I know - bad thing to do!) They are just spiralling out of control now. My family dont know about this as they…
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they want my signature???
i have sent the template letter available with a cheque to lloyds bank who i have a credit card debt with for around £6500. they have written to me today with this long form attached that they want completed before they continue with my request. most of the things they are asking is ridiculous like my name and address but…
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Thoughts please.....
Hi all, After years of juggling payments and robbing Peter to pay Paul I am finally going to set up my own DMP. I am VERY scared about what is to come and mainly the hassle that I can expect from my creditors (I am keen to keep what I am doing from my family as I am so ashamed and worried about losing them). Here is my…
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BBC Moneybox - Have Your Say: Debt collection
http://news.bbc.co.uk/1/hi/programmes/moneybox/7956089.stm Have Your Say: Debt collection As the number of people with serious debts continues to rise, the powers given to bailiffs and their conduct when recovering money is likely to come under greater scrutiny. The government has announced bailiffs will not be given…
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Issues with DCA - couple of questions please
Hello to anyone who may be able to help, and I do have to say a big thank you to those on here who have already imparted their invaluable wisdom and helped me to get as far as I have done already. I am having some issues in obtaining requested information from a DCA; I sent a CCA request back in June last year and to date…
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appropriate template letter for MOORCRAP
Hubby requested a cca from MOORCRAP regarding a debt from AMEX, they have supplied him with a copy of his application form only from AMEX dating back to 2004, as I understand a copy of an application form does not constitute a cca so I was wondering is there a letter that he cn send to MOORCRAP stating this ? He has to…
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overdraft encashment questions
Hi, I have DMP and one of my debts is an overdraft with barclays and they removed the overdraft and didnt accept the amount we were going to pay them, we have continued paying them in the mean time, my brother yesterday sent me some money but put it into my barclays account instead of my current one with hsbc, i need that…
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Mother's day weekend "what small dfw things have you done today ???" 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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secured and unsecured debt
can an unsecured debt be turned into a secured debt i have a loan with NR and about to embarke on a DMP with payplan and this loan with be included when i took the loan out some 6 years ago i asked them for a unsecured loan which they said it was as i did not want anything aganst my home but remember reading on here it was…
