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Having to pay the baliffs for someone elses mistake
Hello everyone, My partner has just received some letters from the bailiff claiming that she has to pay almost £200 from a £16 purchase from 3 years ago. To cut a long story short these letters have been forwarded on her from previous addresses and despite informing Argos (the card) of these changes of addresses she had…
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consumer credit letter
Hi everyone, new poster so be gentle! Had a letter out of blue from company called empingham re fitness centre finance under consumer credit asking for amount due £285.45. Had a gym membership appx 3.5 years ago which I cancelled due to helath reasons backed up by doctors letter. I took this into gym and they accepted and…
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Token Payments
Hi All God it seems like forever and a day since I last posted but need some/help/advice/cuddle - you name it!! Anyway I am just about to bite the bullet and offer my creditors token payments of £5.00 for the following debts until the end of the month when I can finally resume payment to them after getting a new job at…
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My SOA - help please!
Dear all, Sorry I am very new on here I hope I am not being rude by posting this almost straight away. Have been on MSE for months now, and picking up loads of useful tips from eg OS board, freebies board, but I think I need more help. I've done my SOA (see below). It shows a surplus of £187, but actually we seem to always…
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We are in a bit of a mess...
...my husband and I have got ourselves into a financial mess. We have a few credit cards and a couple of personal loans and a mortgage on our property with no equity due to the credit crunch and fall in the market. We have been paying the minimum payments on all our debts and have not got anyone knocking on our door or…
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New DFW checking in!
I haven't started an official DMP, but hope to start my own, so I can try and sort things out. It's even harder for me, as my disability affects how I spend and use money, so that is pretty scary, especially when I have no control over it. When I had no control (and was able to work) I ran up my overdraft and a Capital One…
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Mackenzie Hall - advice appreciated
Mackenzie Hall have just started chasing my partner regarding a mobile phone debt from 5 and a half years ago. They sent a letter earlier this week asking him to call, which he did. They were incredibly rude and unreasonable. After saying he knew nothing of the debt they gave him 72 hours to look into it. In this time we…
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bank repayments help please?
A letter just came through the door there, from the bank of scotland. I had a student overdraft with them, but as i have been in and out of courses for the past 5 years, it is no longer a student account. And i was told i have until Feb before i had to start paying it back. I wrote to them last week asking for them to let…
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Told to make 3000£ payment in 7 days
Hope someone can help. Have an outstanding NATWEST balance of 4000£ which has been passed to Allied International Credit. I called up to make a payment agreement of 10%, £407 per month but was told that Natwest have instructed them to receive final payment now of around 3000£ or the account will be going to the courts. I…
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What would you do?
I do my own DMP, and have had a letter today from one of the creditors who haven't been very helpful so far, offering a 'restructuring' of my debt, with 3 years at 0%. At the moment, although the account is non-interest bearing, they are adding between £12 and £24 a month in admin fees, and have basically said there is no…
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SOA please check and advise BR pending
Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details[/b] Monthly income after tax................ 1246 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Urgent Help Needed Just had Doorstep Visit by Power 2 Contact
Can anyone help me out with a template letter please, a company called Power 2 Contact have just been to my mum's address regarding a barclaycard debt. I no longer live at that address, and the man advised if I fail to contact within 72 hours he will continue to call every week until I make some kind of payment. What do I…
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bank charge help please?!
I got a letter yesterday from the bank, saying they are going to charge me £35 for being over my overdraft limit on the 10th of August. what can i do about this, as i was only like £20 over. And i have been paying that £20 back bit by bit, i am now only like £6 overdrawn. I cannot afford £35, especially not until i get…
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Paying back student overdraft!
I am in my third year of studying and Halifax have contacted me saying they have taken away my £1000 interest free overdraft, and effectively i owe them 1000 now. They then agreed to set up a payment plan which would stop any interest on the account. I've never had to do a repayment plan thing before and when they rang and…
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Spent £20 on nothing!
I went for an interview yesterday....very stressed. I had no change for the carpark so bought an expensive drink and sandwich. I dropped the drink! I put too much in the meter and have just given my son £2. Not much left from a twenty. Scarey how it just disappears.:rolleyes:
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Sky V's Virgin Media?
Which one if either - moving saving bug is moving from me to our joint (joint is ok but i like cutting back now!)
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DMP and Bank Charges
Hi, after £200 of bank charges this month and missed payments etc over the last few months on £19,000 with £600+ payment worth of debt, my wife and I have finally decided to sort this. We have rung the National Debt Relief and after giving our SOA etc she said an IVA is prob not on the cards but a DMP is. Anyways, I have…
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Letter from Ruthbridge - what do I do?
Hello, This is my first post so sorry if this is in the wrong place. This morning I received a letter from Ruthbridge addressed to 'The Occupier' asking me to call them...after a quick internet search I have decided not to! So what should I do next, we only moved into our house 6 months ago, we have had lots of post…
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Five year debt free plan :-/
We are on a low income but have 25k of debt. We have had this level of debt for years and I could see no sign of getting rid of it. So, last night I sat down and worked out a plan and full budget which would mean we would be debt-free in five years time. I was really pleased to see that we could do it, albeit making a lot…
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Overdraft
Hi all I have an overdraft of £400 which I have used and an interest rate of 19.9% I shall only have around £960 a month going into my bank which are wages but with a house, kid and bills to pay I virtually have no money left to pay up the £400 overdraft which is just going to get bigger with interest. I thought that with…
