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£20k of Credit card debt
Hi I'm not sure if this is the correct place to post this query so apologies if not. My husband and I have run up £20,000 worth of credit card debt over the past ten years, something that we really regret. I cannot even justify it, we have just lived well beyond our means. The naivety of youth could be blamed! We now…
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HSBC - DMP Acceptance or Loan?
I've just started a DMP with Payplan, about a month in. I've had two acceptances so far (yay!). I have eight creditors, seven of them credit cards and one overdraft, and the o'draft and one of the cards are with HSBC, my ex-bank. I got a pack in the post today from HSBC which appears to be an acceptance of the DMP…
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What is the best solution
My husband and I owe approx 37K on credit cards plus a business loan 12K. Have contacted CCCS who have given us an affordable repayment but we contacted our financial adviser who has put us in touch with a co called Solace. They will set up a DMP and alongside will try to get debts cancelled through bad selling but will…
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Negotiating With Creditors - help please!
I recently left my partner 3 weeks ago and where he used to pay a few of the bills I am left with a bit dent in my budget. After working everything out in a budget sheet I am -£75 in the doodoo. So before I sink into bad debt I've just rung National Debt Helpline who advised me to write to all of my creditors and give them…
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Credit Card Debt - Advice needed
I have two credit cards, a Halifax Credit Card and Bank of Scotland Credit Card. My current account where i have my salary paid is also a Halifax Account. Due to circumstances, I may need to contact the credit card companies and offer reduced payments and ask them to freeze interest. If I did this, as they are all…
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Is there a template for a F&F where there appears to be no CCA?
I queried my lack of CCA with Additions, they passed it on to a DCA and sent me a default notice in response. Instead of just leaving it, is there a template for a F&F seeing as technically owing them anything is in dispute? Are they likely to consider something very low? Thanks
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confessions of a newbie
Hi everyone, I'v been reading this forum for a couple of weeks and have finally plucked up the strength to post. A little about my situation: I own 2 propertys, a rather large house and a city center appartment. a year ago I was on an excellent salary and decided to gut the house (as it was in a very bad state) and give it…
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Need advice as C.A.R.S are being a pain in the !!!!
Right now, C.A.R.S are being a pain in the !!! towards me because I can't pay £30.95 for August's payment to Fitness First which wasn't taken out of my bank account last month because of a genuine mistake on my part. FF have since taken out this month's payment and I have no problem paying last month's payment next Tuesday…
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No Spend Day
Nearly there!!! 3 more days beore i hit my target!!
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Help very worried|!
To cut a long story short for the last year I've been trying to set up a payment plan with my bank for my credit card after I lost my job. Several times they have told me that the amount I requested to pay back was too much(!) didnt set up my direct debit or failed to send me any paperwork. Today I recieved a letter from a…
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Success!!!!!!!!
Hello fellow DFW's I thought id share my success with you all. I have been plaqued by AKTIV KAPITAL regarding an Argos account that was taken out approx 9 years ago. They have been demanding £1414.02 and were sending the usual threats of legal action regarding this old account. The original account limit on the card was…
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Have been offered chance to settle my debt, any tips on the best way to deal with it?
Hello all, I have just been contacted by a Debt Collection Agency who are dealing with my BarclayLoan debt (first time they have contacted me for something silly like 2 years, have been paying just £30 a month which I agreed with them). The lady said I still owe something like £7800 or £7900, I actually thought I still…
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Please help, partner spending my cash!
Hi all... I'm in a very crap situation at the moment. Current finances stand at this. £1,000 on Credit Card 1 (0%) £2,500 on Credit Card 2 (0%) £500 Overdrawn The £1000 card and £500 overdraft I can pay off in a few months, I've recently had a payrise and am able to throw £450 a month at debt. I bailed my partner out of a…
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Vanquis refusing to take payment without a telephone number.
Just had a massive row with Vanquis while trying to make a payment, they have refused outright to take any payment over the phone without a landline number.:mad::mad:. There is no phone number reqestered to the account and the only reason I phoned in the first place is the statement is missing in action somewhere in Royal…
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Debt Crisis Please HELP!!
PLEASE HELP!! I’m new to this but here goes… I’m hoping there maybe someone out there who can give me some much needed advice, We really don’t know what to do we are in a debt crisis… I’ll just try and highlight my position, to make it clearer, we are two 28yr olds and have a joint interest only mortgage of £207,000 taken…
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Barclaycard/Mercers - Help Needed!
Hi, I'm currently at stalemate with Barclaycard over lack of a CCA. I've been corresponding with them since Nov 2008 and have recently only ceased payment to prompt them into providing one. I've sent the usual letters that I've found in the forums but all BC say is that they do not have to send a copy to me. The account is…
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Parent's debts
Hi, Two and a half years ago, my step father suddenly passed away after being involved in a road traffic accident. After a prolonged probate period, the inheritence process has finally finished, and his entire estate was left to my mother. As they were never married, she incurred a huge inheritence tax bill. Along with…
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Top Cashback - payment amount changed :o(
I've been waiting for a top cashback payout since April 2009 and finally it's been processed! BUT I checked it today and they've reduced the payment amount! I was expecting to get £70.00 through Co-op Car Insurance and now it's being 'confirmed' it's only showing up as £55.00. I know I shouldn't reply on it and be…
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Council Tax badness :(
I really need some help with this lol. My fiance and I have been sent summons for non-payment of council tax which we believe we are not liable to pay. He is a student with council tax exemption forms, and is the only person on the tenancy agreement. I am currently unemployed and in receipt of JSA which is a joint claim.…
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Big debts - considering my options. help please!
I’m considering my options. Making high repayments but mostly not making any progress. Currently £900 to be repaid per month, leaving £1000 to live on (rent is £700). No wonder I’ve run out of money! All unsecured debts and I have no assets. On the credit cards and Cahoot flexiloan I am paying minimum payments. He HSBC…
