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Debt over £100k
Hi, I have the following debts and looking for a way to minimize or pay them off, could anyone suggest methods? HSBC: £3,500.00 AL L: £1,000.00 A A: £25,000.00 B Horse: £5,000.00 HSBC: £20,000.00 Barclaycard: £4,000.00 Barclaycard: £1,600.00 MBNA: £5,000.00 Barclays overdraft: £1,000.00 HSBC overdraft: £2,000.00 RBS…
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Sending proof of income
I have been making a nominal payment to a credit card company for over a year now, I recently had to send them a new financial statement in regards to my income, I am on benefits.They have now replied saying they are unable to accept my offer of payment, until they Confirmation of my income, a benefit letter and a full…
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Anyone else have trouble paying online with justabank? (Payplan)
I log on to Justabank (payplan's site) and when I click make a payment, it asks me how much and what card etc which I fill in, and then when I click 'Next' it just goes to a blank page:mad: I thought this was a problem on their site last month, but apparently it is doing it all the time to me:rolleyes: Anyone else? Anyone…
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1st Credit and Royal Mail
Dear All, Thanks in advance for any advice given, what I read on this site is clearly invaluable to many people, so I hope you can also point me in the right direction. I received a letter from 1st Credit chasing a debt that is statute barred. I sent the standard letter saying so, by recorded mail on the 10th of September.…
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In court with the tax man
I'm in court with the tax man tomorrow. He wants 4.5k from about 7 years ago. Hoping he'll let me off with a reasonable payment plan but not holding my breath as he offered me one three years ago and I didn't pay it.
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DAILY CHAT - Terrific Tuesday 22nd September 2009
Morning everyone Couldn't see that anyone had started a thread this morning so thought I'd jump in and get the ball rolling... Evie and I are off to playgroup this morning but we'll be back around 2pmish. What's everyone else got planned for today? Cat.x
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Debt - where to start to tackle it?
We have always managed to keep our heads above water - just - but this year has been a huge struggle and our finances have now reached breaking point. My husband is self employed and his work has been very slow this year so we have been living on our credit cards. Work is starting to pick up again but we are maxed out on…
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Tues 22nd Sept - 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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Payplan payments going awol!!
Has anyone had this before? Been with Payplan since January and regular payments come out of my account on the 1st of every month via standing order. Yesterday I got a letter from Skycard saying they have not received any type of payment for the last 3 months!!! :eek: I will be livid if this wrecks my DMP :mad:. Spoke to…
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Still paying off bank interest years on….
Hi first time on the forum :) Amazed I haven't written in before but now I'm retired and have a bit of time to think, I'm really hoping someone can possibly come up with a solution to finally get rid of years of paying bank interest on a very old loan. It must have been about 11 years ago, when I was finally told I was too…
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money chasing calls
if an outstanding debt that has fallen behind and been handed to a debt recover firm,and they are phoning you,can they take any further action if you ignore them,but only listen through voicemail messages,and not in person.
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Settling debt
I wonder if anyone can give me any advice. I am coming to the end of my DMP with payplan. I have 8 remaining creditors and owe quite small amounts now of between £200 - £300 pounds each. However, one of my creditors I still owe £2500 and it seems to prevent me from settling some of the others. Would it be advised to…
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21 years old and 25K in debt help!
Good evening all, I've spent the last two years on these forums just reading about peoples experiences and how they have coped with debt and after helping my parents it is now time to help myself. I'm 21 years old and currently owe £25,092.89 to unsecured credit lenders. Its pretty much entirely my fault i've lived beyond…
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DMP - expenditure guidance figures
Does anyone have any info on how expenditure guidelines are worked out, please? For example how much is acceptable under 'clothing and footwear' for a single person with 1 dependent? At the bottom of my CCCS DMP budget sheet or 'Client Expenditure Summary' it says "this budget is prepared in accordance with the BBA/MAT…
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What to do?? Help please!
Hello All, I'm currently one of the many people stuck in the rental trap and in debt. I have 3 credit cards and a graduate loan to pay off, and yet I see most of my money going to my landlady each month. My question is this - should I concentrate all of my money on paying off my debts (which at this rate would take me…
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Banks!
After taking quite a bit of advice today from MSE and CCCS I have now realised that I have been majorly ripped off by my bank for years (22 to be exact). The lights have finally gone on to the fact that they have been controlling my income with their extortionate overdraft and current account fees and I felt that they…
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Wheres all my money going :(
This is fantastic.
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Small claims court help needed!
Hi all, Been a while since I've posted on here (lots seems to have changed!) but I need some help/advice and I'm not sure I've posted in the right place but I know how friendly this board is so thought this was as good a place as any :D My ex owes me almost £3k from when we were together, I filed a claim with the small…
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Help - Debt advise needed
Hello all, I have gone through several years of bad spending habits after already being in slight debt paying for university some yrs ago. Currently i owe 17k on a personal loan that my parents took out (i couldnt get one) and i'm paying the monthly payment - about 380 quid into their acc each month. i also have 2 x credit…
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MCS f&f accepted, advice please!!!
Hi, After much negotiation i managed to get MCS (hsbc!) to accept £7500 on a £17,800 debt, but would appreciate anybody who has delt with them to have a loojk at wording on there letter as im a bit dubious as wether or not im water tight for any come backs! it reads:- we confirm we are prepaired to accept £7.500.00 in…
