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6 Yr Debt help.
Hi Im wanting to carry on with my life but im being hampered with one problem. I took a loan out in 2000 with Barclays for a family member. This was never paid and it was defaulted in 2002 by Barclays and transfered to a debt collection agency. I last paid an installment in July 2004 to the DCA. However I moved and even…
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Credit union loan - way out?
I know a lot of people advise against debt consolidation loans, but I am seriously considering a loan from a credit union, as a way to get me back on my feet, and try and get out of debt. I have around £5000 spread across 4 credit cards, and I have tried using the snowball calculator, but I feel as though I'm getting…
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Debt and redundancy
Hi , I hope someone can help me. I have been off work for 8 weeks with depression and other problems following a heart attack a couple of years ago. I have had to take redundancy because of the above but have personal debts of about 32K due to my stupidity. I will have no income as I will be off sick and my husband doesn't…
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Full & Final Settlement Questions..........
Hi Everyone, As some of you will know I have successfully made two F&F's with MBNA, since then I have written to my other creditors Mint came back very quickly refusing settlement and stating that full payment will be required. Has anyone had any dealings with them regarding F&F's? I will keep making offers to them,…
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Hi everybody - Getting stuffed by estranged wife and Natwest......
Hi All, I'm new to this and appreciate that I could probably have eventually answered all my own questions by trawling through the zillions of posts on here but find myself somewhat time-poor..... The situation as it stands... My wife and I have been separated for almost a year now. At the point of separation there was a…
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12 days are up, no CCA
I recently received a letter from Aktiv Kapital telling me I owed £73 as a result of a previous Barclaycard debt. I thought I'd cleared the card, but then moved house. I sent the template letter requesting my signed CCA, and received a letter back from AK acknowledging my request and telling me they were in the process of…
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Cca - Next Directory
Sorry about that, I'm just getting to grips with this. Hi I was wondering whether anyne had got anywhere with this yet. I am in the same situation, I've just joined MSE to try and get some advice. I spoke to Next asking for a copy of my signed CCA and like most people just received a photo copy of their Credit Agreement…
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DMP???? Unsure......
Hi everyone, First time poster so please be gentle!!! Im around £10000 in debt due to various reasons, across 3 credit cards. I have managed to get all 3 cards on a 0% balence transfer until next year. Sounds ok to me, but unfortunately I lost my job before Christmas. I have been managing to make the minimum payments each…
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Default advice
I went bankrupt almost 6 yrs ago, and have been nothing but sensible ever since. In the last couple of years i have built up a nice (but small) credit history, paying all my bills on time. I just ordered my credit report to look at how things are going and hoping that i would have a nice credit file when my BR finally…
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How successful has anyone been claiming back fee charges?
As this is something I may to consider now. Reclaim the late payment charges which have amassed on my arrears, increasing the debt(s) significantly. Just wondering. Is it an easy process and has anyone here been successful?
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Advice needed re large debts
Hi everyone, I've been a lurker for a few months after my LBM just before Christmas 2008, when I added up our debt which came to a staggering £37,200. I have worked really hard since then to get it down, ebaying like mad (including all my Christmas presents), and overpaying as much as I can with OH salary and I've got the…
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When a creditor refuses to only accept payment by debit card
Anyone else had this here? Only, more and more creditors are denying debtors the opportunity it seems to pay via standing order or payment slips. Thought that was unfair practice? Any comments. No intention of giving any creditor my card details BTW for very good reasons. But some just refuse to give you another option to…
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Natwest "Maintenence charge"
My wife and I are due to start a CCCS DMP in May and we have been making token payments to our creditors for 2 months. One of our debts is an unsecured personal loan from Natwest in my wife's name. My wife was making the payments to this loan from a Standard Natwest current account at the same branch via standing order. In…
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Had a very good week!
I have had a really good week in terms of becoming debt free! I have managed to get a part time job, earning me an extra £100 per week! I've sold everything i don't need on ebay and got paid at the weekend to polish 3 cars earning me £150! Its weeks like this that really give you hope about becoming debt free!:j I now plan…
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Finally did it!
Hi I have been lurking on this forum for the past few months now knowing i had a debt problem and today i finally contacted Payplan and have now begun the journey of dealing with my debts! Its been quite an emotional weekend, i hide my problem from my partner for so long and told him at the weekend. It didnt go down well…
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Debts and Redundancy
I don't know where to start or where to turn. I have approx 14,000 pounds worth of debt and last Friday the 6th march I was made redundant, without notice or pay. We have had the necessary forms to claim redundancy and notice. I have applied for Job seekers allowance. I have to day contacted cccs, the debts where…
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Is a little bit of debt ok?
I had my lightbulb moment just over three years ago. Since then I have reduced my debt from £11,976 to just over £800 which is on a 0% credit card. I'm desperate to start saving money for the deposit for a house - is it ok to just pay £50 towards this card every month and pretty much ignore it for a while? That way I could…
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Debt Payment plans
Hi, Im 23 and still live at home, it now time i took a look at my finances and started to do something about them.. I have £2317.01 on 3 Catalouges and Overdraft from old bank account :mad: I bring home around £950 a month, my outgoings are: Rent £160 Car Loan (From family member) £250 Car Insurance £45.00 Gym £26.50…
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Being in debt is pants
:mad: I'm having a moody and sulky week. I'm SO sick of being in debt, it's been nearly a year since LBM and after the initial "joy" :rolleyes: of dealing with my debts and seeing them slowly reduce, I'm BORED of it (stamps feet). I'm in the mood for booking holidays and having meals out and drinking wine and buying…
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im in a mess
help, I had my LBM a couple of months ago when I realsied that my o/d was not going to last much longer. I share a mortgage with my sister for our house, which my mother also lives in, they are unaware of the state of my debt, my currtent debt that is, as my sister took out a loan for me 3 years ago to clear of CCards and…
