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capital one harrassment!
when i first took out my capitail one card i was living with my mum and so the phone number used was for the house there, i now live elsewhere and capital one have my new address and contact number ( and i do recieve all the bills to the correct address). Ive had a bit of a hard time recently and due to having to pay my…
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How long should I wait to hear from CC Companies
Hi I sent off my offer letter to my creditors 3 weeks ago. Mint have replyed accepting but have sent 3 snotty letters and added extra charges onto my account this week. MBNA wanted me to phone them so I have sent another letter. I had an odd letter from Halifax saying thank you for you letter and we accept!!! but I have…
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Weekly Spend Challenge W/C 26th July
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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Weekend 25th/26th July - What small DFW things have you done today?
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, when…
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~**~Weekend Chat 25/26 July~**~
Once again, up at the bloomin crack of dawn...grrrrrrr.:mad: We're off to Evesham today to try out the new trailer tent, should be fun! (Hope so!), the kids are SO excited! :D I'm made an agreement with a friend to go walking with her every week-we start tomorrow, I'd like to do a 10k walk once a week then run 10k a…
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Dealing with Bailiffs Harassment
Dealing with Bailiffs Harassment There has been a lot of people asking 'what can I do if a Bailiff or DCA threatens me', well put simply let them threaten - they have no right to enforce anything. Below you'll find several letters that you can send the Bailiff / DCA's which should stop them in their tracks. Remember,…
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OMG - feel sick!
I have just transferred a balance off one of my Credit Cards onto my Virgin one (0% for 16 months) and then chopped the card up. Feel sick - I wonder if its because i used it as a crutch and now that one is gone????? Please tell me i have done the right thing?????
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Help!! Mature Student's SOA
Hello to you all, I'm 26 years old, married to OH, 32yrs, and in 2007 lost my job and so decided to follow my dream. My OH and I sold our house in the city, cleared our (copious) debts and backpacked round the world together for 9 months with the money leftover. Arrived back in blighty after the most amazing experience to…
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Quick question...
Do you have to have a CCA for an overdraft? Thanks
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Finally a debt free date!!!!!!!
hiya i just wanted to share the fact that i finally have a debt free date, I started off with a huge amount of debt, and no way to move it to get good deals,(credit rating and the amount of credit) following advice on here I found a credit union, and they agreed to lend me 15.5k thats enough to pay off all of my credit…
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CCCS review for my DMP
I rang CCCS today to lower my next payment as we were unable to make all this mths payment due to my oh having to take time off to look after me. then whilst speaking to them explained income had gone down each week due to change in hours so could we review. The girl on the phone said if had all figures could do over phone…
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Debt Rant
Hi this is the first time in my life I have done anything like this, so a little unsure if this is relevant. I would be very interested to hear of how people cope with the various stages of emotions you go through when you are in financial distress! As I write this I am so angry My husband and I faced our mounting debt…
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Er. getting there but confused.. any simple help ? thanks xxxx
Hi all. Just wanted to say a big thanks to all who helped me out in my hour of need the other week. I have now contacted my creditors and am sorting out payment arrangements with them. It's gonna be hard still, but better than it was, as my outgoings are now less than my incomings Now I'm getting sorted, I wanted to start…
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newbie - help
Hi, i did start apost under MollyLolly - but however due to my incompetance and frustrationat all things computer related i have cocked up somewhere so i have had to open a new username - i will get the other one deleted (so ou know im not a troll) Hi, im new! I have realised that i MUST get rid of my debt and i need to…
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pre paid credit card - protection?
I suspect the answer is no, but does a pre pay credit card provide the same protection as a regular one? I've just got a grant for a bed and sofa, and I'm worried that if I pay by debit card the company could go bust and I'd be left with nothing. I know if I could pay with a credit card I'd have protection. But I don't…
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ok not badly in debt yet but it could get there!!
ok we currelty have a mortgage for about £84k a loan of jsut under £8k and now the credit card is jsut over £1k and increasing with the car and building and contents insurance going on there (have no spare cash at the mo!) we ahve no decided to get the house in the best state we can to sell, as for 1 i ahve had enough of…
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Cheeky !!!!!!s!!
Hi I've receievd a letter today from a debt collection agency asking for payment of £17.99 within 10 days on behalf of Orange Home Services. Having never heard of Orange Home Services and having no idea what this was about I rang the DCA to find out and was asked if I'd had broadband with a number of companies back in…
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newbie alert- overall advice needed please.
Hi, im new! I have realised that i MUST get rid of my debt and i need to start doing it ASAP. does anyone have any advice on how to get rid. i would like to be debt free with 4 years. i have: Personal Loan for £13k with 46 repayments left Egg C/C £4800 Virgin £4500 M&S £1700 Hsbc £500 Tesco £300 Next £130 everymonth i pay…
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Subject Access Request
Hi all, can someone direct me to the template for "Subject Access Request" I have searched but do not seem to be able to find my way to it. Also the subject access request does go to the DCA? or the bank or both? Also re HFC I have complained to them for missing out the whole of the year 2004 but still have not received…
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cheaper call credit membership
I'm a newbie so apologies if this is in the wrong section. I've decided to get my credit report from all three (just in case). I noticed it was expensive although found this on google - bds mortgages has a link to a call credit code. Sorry I can't post links :rolleyes: Hope others find it :) I will cancel it soon though! :)
