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Hi
I was hoping someone could offer me some advice. I have just received a letter(or rather my parents had received as i have not lived there for over a year) from Mackenzie Hall asking me to contact them as a matter of urgency. I panicked and called them ASAP as I did not want my debt to affect my parents. They told me it…
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God I'm tired
I've never really posted my 'story'. I've given bits and pieces in lots of posts. To be honest I'm still not ready for a mammoth "Hi! This is my life" post. But do you ever get tired of trying to be debt free? I've been working every piece of overtime going at work for the last 7 months, and I intend to continue doing so…
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Want to manage my own debts...advice needed!!
Hi all, im new to this site. Just wondered if anyone could offer me some advice about managing my own debts. I have been using a DM company that charge a fee( stupid i know now, after reading some forums). I want to manage my own debts in a bid to save myself some cash, but im not really sure where to start. Some of my…
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Lloyds TSB - can they do this
I have entered into a reduced payment plan with the nightmare that calls itself Lloyds TSB and they sent me a letter to confirm that they accepted my offer of £63.50 per month until November, when it will revert back to normal unless I re-apply. The letter also stated that during this time no interest would be added, also…
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DMP Treats
Hi ya guys, I am into 16months into my DMP with another 4 years to go. I am soo happy that I made the decision (roll on 2013) but I am finding it soo difficult to find thing to do that make me happy that dont cost any money. I am such a music fan, but gigs, concerts, bars & clubs out out of the question (CCCS has given me…
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No credit agreement
Hi All I received a letter a while back from a Lowell Financial about a debt to Barclaycard. I wasn't sure which debt this was because I used to have a few credit cards (all being paid through churchwood financial). I wrote to them with a template letter asking for a copy of the credit agreement firstly to find out which…
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HSBC Harrasment can anyone help?
Hi all Im going to try to summarise what happened and what the problem is but sorry if i waffle - i get too emotional when i talk about it. 6 yrs ago i opened a successful business and banked with HSBC for everything - business, home & all insurances etc - been with them 22 yrs within the same period i developed an…
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New here
Hello, I have lurked on the sight for the last few weeks and am now gonna post and say Hi! Me and my husband are looking at our debt etc and need some advice. I will post a SOA as soon as I know what to do... We keep running out of money and have NOTHING to live on the last week of the month. Our teenage children are…
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Here Goes!! I'm in shock any advice is welcome
Hi There I have just sat down and worked out my debts!!! glad i was sitting down. well here goes Barclays cc £2996.83 @14.9%apr lloyds cc £2578.21 @16.68%apr lloyds loan £7261.62 @9.10% apr Debanhams store card £590.08 @24.9% apr Brittania loan £9539.52 @11.4%apr I work that out at £22966.26 !!!!! Any ideas where i go from…
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The Return Of the Frugals.......After a Spectacular Fall off of the Wagon
Hi, I finally remembered my old log in details...... I'm back after a spectaucular fall off of the wagon and wiped out all my hard work http://forums.moneysavingexpert.com/showthread.html?t=484104 This is where i left my challenge and now with debts of over £10k again I need to restart, Its been a pretty tough time and…
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CCA not provided, still being chased, next move advise please.
I requested a CCA on a debt that I was being chased for going back to last century (sounds a long time that way :) ). The DCA Robinson Way said the account would be on hold until it was provided. Nothing ever came but the debt was passed onto Moorcroft, I explained that the debt was on hold for CCA and they should give the…
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Cutting the amount of time to clear your debt
Hi everyone, I've just been reading the debt free success story on this week's email and was interested to read about the snowball calculator. I followed the link entered all my loans with the interest rates and monthly payment etc and it told me I had 41 months to go :confused: ... I was rather puzzled by the approach as…
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What can we do about our mortgage company
Hi, My husband and I have a joint mortgage with spml, we have always paid our enormous monthly payments, but I was made redundant last year, and have had temporary work since then, but only got 4weeks work since April, although applying for many jobs, my husband was made redundant in June, we had up to June's payment paid…
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Emigrating - but still have £6k debts to pay
Hi there, I'm emigrating to South Africa in 6 weeks time with no intention to return to the UK (my family is all in SA). I owe approx £6000 (split between MBNA, Smile and Welcome Finance). I have been making payments of between £20 - £40 per month, however I am not going to be able to clear the debts in full before I…
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Had enough now.....
What a day today, told by the mortgage company that we are only £300 worth of arrears being sent for repossession proceedings and then a letter from a DCA's solicitors saying I have 7 days before they take me to court..... Recovering from my redundancy and subsequent 6 months out of work, and then my OH getting made…
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Bl**dy Welcome Finance
Hi all, Feeling very upset and angry at the moment. Received in the post this morning an A of E and a statement of account for hubby from Welcome car Finance...I am fuming. It is now obv they have gone for a CCJ and we were unaware of this; and would have certainly argued it as we were disputing our interest and charges!…
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what are my rights regarding DCA's
Hi all, im a newbie here and this is my first post! Ill start with a bit of background info, i owe money to three DCA's and due to my hours being drastically cut at work and no longer get my shift allowance, (roughly 500 per month), im finding it extremely difficult to keep on top of things, 2 months ago i had to stop…
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Please help... so worried about a CCJ
Hello everyone, We faced up to the fact just before Christmas last year that we simply just couldnt afford to repay our unsecured debts (credit cards loan and overdraft) even on the minimum payments required, so we sought advice and entered into a debt management plan at the end of January. All of our creditors have now…
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Bank Charges Passed over to Debt Agency
I am 23 years old and have been chasing Abbey National for unfair bank charges on my account for over 18 months. I estimate that I am owed £2500. I have even contacted the Financial Omburdsman. I have all copies of letters, emails and phone calls that I have made to them over the past 18 months. I recently put in a claim,…
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Fingers crossed
Doing my own DMP & so far Marks & Spencer,Capital 1 (2 accounts) Bank of Scotland visa have accepted my offer of reduced payments. Wish I'd done this years ago.
