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Advice please
Hi Folks, I have come to an arrangement with a credit ageny to pay back £238 to next. I have asked them to set up a direct debit for £30 a month untill this is paid off. They told me the best thing to do is for them to keep a note of my debit card number on file so that they can just take the money out every month instead…
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Can you stop creditors visiting you?
I recently got a letter from a creditor (not a debt collection agency, the actual company I owe the money to) saying they have "arranged for a representative to visit you at your address". I am absolutely against it - is there anything I can do to stop them?
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Advice re final settlement
Hi there, hope someone can advise. For some time now I've been making higher payments to a DCA (Capquest) than my initial SOA required. I should pay a token £1 per month, but I've managed to rework various things over the (many) years and now pay £25/month. My question is that I have now scraped together some extra money,…
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Bad with money, need to sort it out
Hi guys, new to the forum but have often been a lurker. I've always been bad with my money, always ending up at 0 every month and never saving anything. I've also built up lots of debts over my time. Originally I had a Natwest bank account with a 3k over draft which I built right up, I also took out a loan with them of 13k…
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£1500 in 10 days...?
Hello all. This is my first thread, hope you can help...? My father in law took my wife to court two years ago over a 'loan' he made to her when she split up with her ex partner several years ago. My wife always believed this was a gift but after the whole family broke off relations with her father (long story!) she…
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Aledged debt from SKY TV, help or advice needed
Dear MSE, about five years ago we switched from Sky to NTL. We gave them there 30 notice that we were leaving. About a year later they started sending letters saying we still owed them £42.50 for the final months payment. My wife spoke to them numerous times stating that we had given them 30 days notice and as such owed…
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well i have done it made the first step :)
been reading the posts all weekend and have realised i am not the only one who is in debt and struggling to keep up payments, so this morning i have rang up the national debt advice line and talked things through. so plan of action so far is did there budget planner i will show u see if you can save me any money :) wrote…
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Some help please.
Hi folks Hope all are well, not posted in a while on this thread, but do have some good news at least, my hubby started new employment as from today, full time and permanent as well (as permanent as can be lol), but after a year of losing his last job, this is fab news and with a bit of luck, we will be back on our feet as…
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Hi all, after some advice please
:) Hi there, I'm in the process of getting all my paperwork together etc in order to apply for a debt relief order through CCCS. My car is currently for sale and I just have a quick question regarding the proceeds of it. A friend has lent me the money to pay the HP finance off on my car which was £4182. I'm hoping to sell…
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Hello all, advise needed please
Hello all. I am new to the forum and have some issues with debt. I have applied to various companies offering struggling people loans and then when I have read up on them on here, have been saved more money by you helpful bods!!!! In a nut shell, I have about £15000 worth of debt, 2 creditors but 3 loans. Overdrawn with my…
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I just wanted to say THANKS to everyone here...
I am just doing some re-jigging of the house and have found my bank/cc/loan statements etc from just before i joined MSE. I honestly didnt realise just how far i have come on my DFW journey. I cant say i 'miss' anything from my 'old ways' but i have gained sooo much. Not just money wise either, but my entire outlook has…
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Baby and Debt... some advice needed
Hi all, Just had the scariest weekend of my life finding out that I'm pregnant. Its really early days but already gone into panic mode and husband has as well. Hubby and I live in a largish 1 bed room flat but have 3 cats, 20 mice and a terrapin. As you can see from my sig I owe a S%*& load of money and this is the year…
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MY SOA- Advice Please!
Ive been posting for a little while now but just realised i've never posted an SOA..........so here it is. Have put a few notes next to things to help explain. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number…
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I can't afford my service charges - help
Ok the story goes that I bought a flat and on investigating the lease my solicitor found that there were going to be works carried out that the freeholder estimated would be a value of around 2,500. This was paid in advance by the seller and all was well for a while until the works estimates came in at 6,500. The works…
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How can I get out of this expensive credit trap?
Can anyone advise me where to go? Me and my partner have built up credit card debts of £35,000 (ouch!) - totally our fault but we are really determined to get a grip on it and want to put these on a cheaper loan if possible. At the moment we're paying nearly £1,000 in minimum payments each month! We're lucky in that we…
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HSBC Credit Card Debt
Hi there....need some advice...ive been on a DMP with Payplan for about 5 months and all my creditors (total 11) have accepted my offers apart from HSBC credit card and Northern Rock loan....just wondered if anyone else has had dealings with them as they are now demanding final payment on my HSBC card and will send it over…
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nationwide are offering to take £2000 his debt
if he pays the rest off in one lump sum. never seen this before. also they say it will not affect his credit rating or anything. anyone any experience of this. i am just wondering where the catch is really!!!
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Contacting a creditor
Dear all, I have received a letter today from Wescot Financial Services about a debt of about £80 that I acknowledge I owe. I have been a bit crap with dealing with debt problems, by ignoring letters etc but would finally like to sort myself out. The problem is, I'm not sure what to do because I'm on JSA at the moment and…
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pay off more, less, same..?
hi I am 2 yrs into a dmp and hav reduced debt from 85k to 47k (ignoring 10k loan which creditor has lost CCA for:j), and this includes 1 discounted settlement fron inhouse DCA I pay 965 a mnth via CCCS . I have a decent job which feels pretty steady (touch wood)..Half creditors frozen intersst and seem very happy to…
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Credit card advice needed please
Hi all, i did post on the credit card forum but thought I should post here too :o I have a credit card with Virgin on which I have roughly £8,600 and the APR is 34.9%. I pay £240 per month onto this (minimum payment is £220). I don't spend on the card unless I have to and if I do, I repay what I have spent the following…
