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Barclays sold debt to HFO - HFO charging Interest?
I have a debt from an old Barclaycard which has now been sold on to HFO Debt Collection Agency. Barclaycard have finally removed their default and so now I have one from HFO. However, I have a couple of questions. My credit file from 9 months ago stated I owe HFO £369 whereas my current credit file (received yesterday)…
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Self Employed
Anybody on here self employed and on DMP. I'm just waiting for my appointment to set one up on 19th. John
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Will my debt affect new landlord?
Hi there. Am currently looking at moving into a houseshare as this will be considerably cheaper than having my own flat, and help me to pay off my debts quicker. I am in a DMP with CCCS - all going smoothly (ish!). My question is, will my bad credit rating affect my new (live-in) landlord? We are not connected in any way…
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***All Aboard the HMS Daily Chat- 10/2/10***
Oi! Where is everyone?????
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Next
Sigh of relief, Next has agreed to a reduced payment and have just sent me an email stating that if the payment is paid everytime my statement is due they will stop all charges. The first one to have actually said they would stop charges - this is even without seeing my SOA. Now on to Barclaycard. Onwards and UPwards - so…
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Wed 10th Feb - 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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Well here I am
Long time lurker, finally come out of the closet. I am in debt to the tune of £5k however, I have just bought a house and that explains alot of it. The reason I am here is because I want to pay it off asap and you guys have lots of hints and tips. Im going to sell all my old gold, ebay is my friend and any other…
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How do you work out who gets what?
Hi I am a newbie & now realise after reading posts on this site I am NOT alone in debt. I am considering a DMP & possibley sorting it out on my own, after a very unhelpful man from CCCS (I now feel worse than I did before I called this morning & that was bad!) If I have a surplus of £300 per month to pay creditors off how…
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Pay plan or CCCS
Hi Everyone! This is my first post to this amazing site! I am seriously thinking of taking the plunge and starting a DMP. I'm not sure which option I should take though, should I go with CCCS or Pay plan? My debt situation is that I have a loan with an outstanding balance of £5000, also I have 3 credit cards, one with a…
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Old hand needs a fresh pair of eyes on SOA
Two years ago as a newbie I posted an SOA and had lot of advice on how to cut spending. We now have a clear budgets, however I can see relative to many other DFW's that we could do better. We are still clearing debts so all advice welcome. Our daughter is a fulltime student and lives at home,she has a part-time job but we…
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scottish trust deed
Hi, i am looking for a bit of advice about Trust Deeds - i currently have about £10k unsecured debts. some of these ar with payday loans (I know should never have got involved but believe me i have leaqrned my lesson now) i am currently in a dmp but i am really fed up with the fact that they take a large percentage of my…
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Argh! Car problem as I am about to sell to become DF!
Hey! Some of you helped me the other week basically come to the conclusion that as a student I should be enjoying being young and spending my money on myself basically, instead of being in a big overdraft debt that I used to buy a car and I should basically go back to a wee cheap runaround just to get me about. I was…
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I need to get a grip....
......with my finance. I've been sort of burying my head in the sand for a while now, thinking it will go away but sadly that's not the case. I need to cut down on spending, get a new job (or a second job for extra income). I am so sick of being in debt, I want to be debt free and not having to worry about it. Sometimes I…
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Bank charges advise needed! (not reclaiming)
Hi, I've got an Lloyds TSB account that I don't use and only have a few pounds in that was my old current account before I changed to A&L. Recently £7 was debited from this Lloyds account from an online service that still has my debit card detail stored that I did not know about. It put my account into the red by £2.70. I…
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Is this CCA valid?
http://i958.photobucket.com/albums/ae61/londonloyalist/Untitled.jpg Hi My partner is currently going through a battle with Ruthbridge over a welcome finance loan. This is all documented on the original thread. What i do need help with is to know if if cca they sent through to us is correct and enforceable? Apologies for…
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Some advice please...
Hi. Ive got myself into a sticky situation and looking for some advice of how to sort myself out. I'll try make it short :) Basically due to being a new mum this is my weekly income...£74 work, £20 child benefit and £88 tax credits. Please bear in mind every week the £88 goes on rent so I dont see a penny! Before I had my…
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Can HSBC take from my childrens accounts
Hi again I am in the process of changing bank accounts from HSBC to the Co-op as per advice as HSBC will become creditors of ours. However, my 3 children all have accounts with HSBC in their own names. Will HSBC be able to take their money to pay our debts? I really hope not, but I'm not sure if they are legally allowed…
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Financial Help - Losing £120 a month
I am a single mother (two older children, one on gap year and one on apprenticeship) and am in serious trouble with money. I am currently £2000 overdraft every month, and have now have £1200 on a credit card. I am also coming to the end (12 months left) of a 7 year loan. According to the workings below, I am losing £120ish…
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Another credit file question
I am still paying off a default and the defaulted was 31st march 2004, am i right in thinking that even though I'm still paying it off, it will be off my credit file in a couple of months time? Will it still state I have one default even though it might not show on the list??
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Self managed DMP help
Hi My wife and I are currently trying to sort out our finances. Having initially started dealing with the CCCS, we found that they were just so slow at getting stuff sorted and we had to contact most of our creditors ourselves. Don't get me wrong, I'm not slagging off the CCCS, it's just that we found that as we'd had to…
