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Just a quick question
:oThis probably makes me look extremely stupid, where do I find out what all the abbreviations mean. Many thanks
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help capital one
Im so fed up with capital one im doing my own DMP i filled in a income & expenditure which i printed off from the national debt helpline and sent it to all my creditors everyone accepted apart from cap one after them phoning me a million times i suddenly started to get letters from debris (im thinking they are part of…
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*~*~*WAHEY it's the Weekend Daily Chat...12th/13th September, come on in *~*~*
Morning all, hope no-one minds me starting this, never done it before.... scary!!! lol Gorgeous here today, not much planned today, am taking DD to a new dance class, a HSM one, only £3.50 and she'll hopefully enjoy it.Will prob cycle there as it's not far... my old school! What has everyone else got planned??
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Problem with old joint account
Hi When I was with my ex we had a joint account - for bills, council tax etc. When we split up (3 - 4) years ago, my understanding was that the account had been closed. A letter from a debt recovery company arrived yesterday totally out of the blue, stating that I owed them a sum of money from a debt on this account, on…
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Barclays Reserve Fee - and Settlement Figures
Hi All, I had an overdraft with Barclays for £1500 until a year or so ago... they changed their terms on the overdraft, making it a £1000 overdraft with a £500 reserve. If I dip into the reserve, they charge me £22. My question is... is this £22 an "unfair charge" the same as returned direct debits etc? At the moment I'm…
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Saturday 12th & Sunday 13th September - What small DFW things have you done this week
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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Such a mess!!
HI everyone I have been looking at these boards for a couple of weeks and have finally plucked up the courage to do a SOA and it is not a pretty picture!! I feel very upset and angry with myself that I have let us get in such a mess. I am 34 and live with mu husband and 2 small children we have fairly good jobs but all are…
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getting capquest to remove "unfulfilled debt" search
last year i got the teleplan lettes followed by capquest letters. when i asked them for proof of a credit agreement as i had no idea who the company they claimed i owed money to was they wrote and told me they believed my name had been used frauduently and they would investigate. i have heard nothing form them since.…
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24 and 17k of debt
hi,this is my first time on the website and have been reading other peoples stories,has helped a lot to build my confidence in repaying my debts. bit about myself. im 24 and in the last 6 months have realised i need to get a grip of my spending habbits and sort my debt out. my current status is: 4550 overdrawn. (agreed…
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Freezing Credit Card Interest
I have cards with Barclays, Halifax and Royal Bank of Scotland. I am able to afford to pay £25, £60 and £60 respectfully which is approx 2 x minimum payment. I have been paying minimum payment for at least 12 months so have not really cleared much until now. I have written to all three providers asking them to freeze the…
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How to consolidate
I'm new to this site. But some of the information is useful. I urgently need to consolidate a couple of loans and 2 credit cards as well as clear my overdraft. I am struggling to do this on a monthly basis when thy are all separate. I've worked it out if I can get a loan to cover it all on a reasonable interest rate over 3…
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Statute Barred?
Cabot Financial are trying to get me to settle a statute barred debt. Since I sent them a "statute barred" letter they have tried to contact me on my mobile at least once a day. Today they have started a new strategy, they rang my mobile every hour from 8:00am until I switched my phone off at 8:00pm. They must be using an…
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What a difference a week makes!
Hi all, I posted last week about not being able to cope any longer with my DMP, and received some really kind words, and felt that people really understood that I wasn't being overdramatic, but really and truly couldn't cope. My anxiety had hit it's peak last week and I've been feeling awful and just mulling on it all week…
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Advice??? please :-)
Hi, I'm new to the site and wondered if some of you nice people could point me in the right direction, me and OH both have reasonable jobs, not much debt, and in theory should be in credit with the bank. However, we are both fairly young and need to save for a mortgage, but somehow we are always in the red with our bank…
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At my wits end and don't know what to do
WE have £6 in the bank (well £6 remaining of a £2k OD) no milk, bread or basic essentials. £8 left on the electric meter and £4 on the gas. A cheque thats going to bounce anyday and DD coming out that won't get paid. We have 4 kids at home all 7yrs and under. Dh is self employed but not doing very well atm. I just don't…
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Do you worry what people think
Just had the balliffs turn up as my ex has not paid a Parking ticket on the car that is sitting in my drive.It now has a clamp on with a big sticker on the windscreen. I explained he dosent live here any more but was keeping the car on my drive as it is un taxed and he couldnt park it on the road.They were ok about it to…
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Credit Report - something missing...
Hi all, I just got a copy of my credit report from Experian, and working in the credit industry I am familiar with the content and layout of the reports. In 2005 I took out a mortgage on a property which I owned and lived in with my then girlfriend. The property was sold just last month, howver the mortgage doesnt appear…
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Should I repay loan or save for house?
I'm 25, I have £8000 on a loan I am repaying £200 a month off (for the next 4 years) apr 9.9%. I know I can get a loan with a 6.7% apr through my work. I don't have any money in savings. I would like to start saving to buy a house eventually, I don't want to be 30 and living at home. My take home pay is around £1170 a…
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frozen interest unfrozen
I have been paying off my debts through a debt management plan which I set up myself. My creditors all froze the interest on my accounts to allow the debts to reduce... Two and a half years down the line, one of my creditors with whom I hold five accounts has started charging interest again making it impossible for me to…
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Allied International chasing
I wonder if anyone can advise how to proceed with a debt that is now being chased by Allied International? My daughter had a £1000 overdraft with the TSB whilst she was a student. She did have a part time job and her wages were paid into the TSB at the time. As part of the course that she was doing she had to take a six…
