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*No Hangover Weekend Chat Thread* 21st March 09
See I wasn't really drunk last night, just half my keys are missing off my laptop so I can't type properly if I don't concentrate honest:rotfl: Had a good night danced to all the cheesy's and bopped to madness...:rotfl: Night ended badly with a fight and who broke it up but DD2 who is 15!!! Anway today is my DD1's 21st…
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Mate clears off owing 15 grand
Four years ago a friend of mine left to go live in SE Asia leaving debts to various financial institutions totaling around 15k. He seems to think that when or if he ever returns to the UK, after a period 5 years,his creditors if they can locate him will not be legally able to hound him for their money and debts would be…
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been overseas for two years...and not paid debt for 18 months
I'm desperatly after some good advice. I am currently living overseas. Left Uk in June 2007 with around 25,000 (pound) of debt, I continued to pay a minimal payment via cccs for approx 6 months-but then I could not afford to continue. I have not heard from anyone. I now need to return to the UK for health reasons, and I'm…
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Help needed on CCA request
Hi, Can someone tell me what I need to do to request a CCA, is there a standard letter? Apologies if this has been asked by someone else but some of the threads are so long I can't find anything. Many thanks
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Littlewoods debt collection - Advice please
Long story but 5 years (or so) ago, I ordered a duvet cover set from Littlewoods. I forgot all about it to be honest until about 4 months later, I recieved a bill from them demanding payment. I had never received the item. I phoned customer service who said it had been signed for :confused: I asked her to find out by whom…
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Please help me sort my finances.
Hello, Really want to get out of debt. I have lost my job, but been going for interviews and hope to start one in the next week. I will earn about £900 before tax I have nothing coming in and owe money on 3 overdrafts and 3 credit cards. I have been juggling for about 3 years since I was a student, but now cant keep up…
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What do i do about paying off debts if made redundant?
Can anyone advise me what i should do if I'm made redundant? I am currently paying off debts in the region of £47k spread over 7 credit cards and loans at agreed reduced payments, i have been doing this for @4yrs and at my current repayment rates it will take me another 8 or 9yrs to settle the debts. However i and have…
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Which is best?
Hi I have a current account with Lloyds, £1200 overdraft which I live within, and 2 x maxed out credit cards with them, on which I am paying just the minimum payment (c£10k in total) If I open a basic bank account, all I could get, and have my salary and direct debits on that account in order to negotiate with Lloyds would…
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Dealing with debt from previous tenant??
Hello All, [I'm posting this here as it seems that people on this particular board have a lot of knowledge in dealing with various debt-collection bodies. As you will see, my query isn't actually about my debt so please let me know if you are aware of a different part of this site where it would be more appropriate to…
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Knock-on effects of challenging loans' enforceability!
Would it be a major coincidence that while I am in the process of challenging my personal loans with HSBC, Northern Rock and Cahoot my credit card company, LloydsTSB, take it upon themselves to lower my credit limit from £9k to £5.9k which is just above what is my current outstanding balance??? Has anyone else experienced…
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New to this forum..... where to start?
Well, im new here and i dont know where to start.............. i know the budget is a key starting point, but first i thought id work out my debts........ trouble is theres loads and im scared to do it because it is such a lot of money and even more daunting because im not working at the moment. Ive got loans, credit…
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Life for violent money lender - link mended
Martin posted about loan sharks recently. This report on a violent money lender really brings home the huge difficulties faced by people for whom even the Provident is not an option.
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Help needed please
I am from UK and have been living in Canada with my Canadian bf now for 5 years. During this time i have being paying UK loans/credit cards via wire each and every month, but for the last year have not been working and rely on my bf's income. I am awaiting my permanent residency and am not permitted to work or leave the…
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Mortgage Arrears Issues: Tell the FSA Consumer Panel your views
What's this about? The FSA Consumer panel is charged with representing consumers to the regulator the Financial Services Authority. At a recent meeting with it (see my blog) we offered it space on the forum to ask questions and get feedback on issues to help with its work. This is the first one. It would like to ask about…
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help wanted to make a decision DMP or not
Household Information[/b] Number of adults in household........... 3 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1500 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Cahoot Flexible Loan Agreement received - help!
Hi. I have received my loan agreement but am unsure how to check if its unenforceable or not? How can I post it on here for someone to check? Thanks.
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Clearing my debts - Personal loan vs credit card?
Hi everyone, I am trying to put together an action plan to get rid of all my existing debt, and I’m hoping you might be able to help me!. These are the basic details: Debt: Edd credit card: £800 (account was closed by them 12 months ago and I’ve been paying the minimum repayments ever since - so stupid I know) Citibank…
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Help needed with cataloge
I was stupid and let my sister pay my cataloge, but she didn't pay it for a while, so was behind by £258, this was with NDR they sent a letter saying this needed paying by 17h of Feb. We rang and paid it on said date. However they said payment accepted thanks. However i notice the payment hadn't left my bank acc i left it…
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Credit rating going into the red instead of black!?
Hi, Over the last couple of years, after realizing my credit file was a mess, I decided to sign up to Equifax and keep tabs on my file in a bid to improve my apparently poor score. The reason my score was originally in the red was due to a disagreemet I had with Orange phone network and not then shortly after defaulting…
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Capquest CCA received, but it's an application form?
Hi In January I found out that Capquest recorded a default at my Dad's old address in 2005. My Dad emigrated before the default was recorded. Despite being on the electoral roll for a number of years, Capquest had never contacted me. When I found out about the debt, which they told me was for Capital one credit card, I…
