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Billed from a company that promised us help!
Hi board. Just need a bit of advice please. Cutting a long story short, we got into financial difficulty. Got a rep from a 'Financial Advisory' company out to visit us who looked at our finances and said all the usual - cut this, cut that. We only pay the essentials, and are currently on a Financial Statement from the CAB…
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Unenforcable Credit Agreements
Hi.. I know a couple of other people have posted about this but am still confused... I have cc with MBNA, Egg and Capital One and a loan with Natwest all taken out before 2007... Is there anyway I can claim some money back/. Has anyone here tried? I would like to be able to also try and negiotate full and final settlement…
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Trying to get even
I'm desperately trying to sort out my money issues, I don't miss payments but I desperately want to consolidate all my finances so I can manage it easier. I only have roughly 9k to consolidate but I am struggling (to my surprise) to find a loan. I have signed up with both equifax and experian and my credit rating is in the…
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Please help!!! Boyfriend's dropped a bombshell
Hi guys New to the site and really need some advice. I've always been sensible with money and am currently saving so that me and my partner can get mortgage and/or get married. He's been quiet for a while when I have been talking about our plans, and he has dropped the bombshell that he is in £11,500 debt (a personal loan,…
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Sick with worry
My husband lost his job in November of last year. Despite trying desperately and paying for a course that updates and enhances his skills and qualifications he is still unemployed. He works in power station/oil refinery/shipyards etc. and we have never in all our married life seen anything like how bad the employment…
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CCA Requests
Hi, A quick question about sending the CCA request letters - Is this only for pre 2006 debt (inclusive of 2006?) Can you send this letter for an overdraft? I've tried to find the template letters on here but can't find them!! Can anyone point me in the right direction for these? Thanks :D
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help/advice urgently needed
Last year my wife had breast cancer, she went through all the treatment and appears to be on the mend thank god. Whilst going through the treatment we were relying on my credit cards as she was only receiving basic sick pay. We now find ourselves in a position where we pay out more than comes in, I would like to be able to…
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Capital One - interesting phone call
Hi I had a phone call from Capital One this morning. I've written to them and explained my situtation and made my payment (token) for this month. The wee woman on the phone she said her name was Anna but it was definitely a call centre overseas, asked me to pay £450 now if I had my debit card on me. Told her no, they had…
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Tax Rebate Calculator!! Find out if you are owed!!!
Hi all, Was just browsing the web and came across this UK tax rebate calc. http://www.taxfix.co.uk/income-tax-calculator2.html I noticed I was being taxed at basic rate (20%) for all my earnings on a recent payslip so I am about to send off for a rebate. I used this calculator to check roughly how much I should be…
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Nationwide reduced settlement
Hi there, I have several debts that I am making reduced repayments to, all negotiated myself. This has been going on for a little over 3 years now and I have managed to pay off a fair bit of my debt. (down from about £23k to now about £15k). Nationwide have started to get a lot more heavy handed in their approach so my…
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How do you get a company to accept a settlement figure
I had a credit card debt that was passed to a collection agency who doubled the debt. They sent a man round the house starting last year who said I could pay off the debt for £1000 less, or pay it all at £50 a month. I didn't have much money so I had to agree to £50 a month. Now I have some money I would like to ask them…
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debt transferred to new company...
Hi all, you've given me great advice in the past so I'm hoping you can help with this matter and sorry in advance as I do waffle on a bit! I have an outstanding debt from yes car credit (direct auto finance took this over when they went bust) which I have been paying quite happily at a rate of £5 a month through Hillesden…
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Settlement figure with Blair Oliver Scott
Hi Guys My DH has negotiated a settlement figure of £3045 with BOS from £4045, which he is going to accept. However, my question is, they say it will be classed as a partial settlement, not full and final and this will be show on his credit report. He already has a default on there from the AA (orginal creditor) but will…
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Really need help ;(
Hi all, first time poster. My Partner and I are in financial mess. To cut a long story short we bought a house in 2007 spent thousands doing it up and then had to leave as i fell pregnant and we were threatened by the neighbours. We made a huge loss but the heartache and arguements we had were far worse. I had my son 8…
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The waiting game....
Hi All, Just wanted to get my thoughts down, I feel like I am going crazy.... A few years ago my wife and myself bought a small business with the grand thoughts of working together and being our own boss... We had pretty much no real knowledge of how to do this or what was required. We eventually settled on a small shop…
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Bankruptcy or not!!!
Can anyone give me some advise please... I have debts of £22000, due to being very badly advised when I was divorced and also a period of illness. I am trying to 'get my head' around the moral implications of the possibility of bankruptcy...... I work full time and when my general bills are paid I am left with £200 per…
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Being told my debt was on my current account
I have sent out both the intital letter and the 12+2 day letter to Marlin in regard to a loan i took out with HSBC in 2001. Basically I wanted proof of the balances and that they had not added any charges from my current account, and if they had were they legally allowed to add the 2 debts. They have responded to both of…
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Silent account and defaults
Hello all, I had a silent barclays bank account for ages. When I moved I changed address on everything but forgot about barclays account. I had one mobile phone direct debit that was still on barclays account which I wasn't aware. I had overdraft facility on barclays but I left 500 pounds still in barclays so I can still…
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HELP! Any advice greatly recieved! Re bank request 4 bank charges
Hi, I wonder if anyone can help? On the 7th of sept i sent the 1st template letter requesting a list of bank charges to BARCLAYS, On the 9th of september i receieved a letter from 1ST Credit introducing themselves saying that they had now taken over the account and the balance was owed to them. It also said if i wanted to…
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Advice needed over repossession
14 years ago, my ex-husband and I were repossessed, due to serious family problems and his inability to work full-time for a few months. We officially moved out of the property, and handed the keys back. After a few months, we received the 'shortfall' letter, saying the short fall between the outstanding mortgage and the…
