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How much do i spend
Hi, I have read on many posts about tracking spending, this is something which I would love to do. I have been looking from programmes on the internet but none seem to fit my need, i love playing with and creating spreasheets but at the minute do not have the time. Can some one direct me to were I could get a useful tool…
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Is is safe to save after bad debt?
10 years ago things were bad and I owed money to too many places to remember. Now, with many thanks to this site, I am no longer in debt. In fact I actually have some money to save. I know this if any old debts came to haunt me they would be statued barred so they are non enforcable. But what if I saved some money with a…
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I need some serious help!!
Hi Guys, Im at a total loss at the moment and need some advice. I have recently split with my partner and this has caused a major hit on my finances. Currently im earning about 1300 pounds a month and i have bills to pay that total nearly 1600. As he was the one that moves out im left paying the rent and the bills all by…
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Making offers to debt collection agencies - advice please
I currently have 6 debts that are being dealt with by debt collection agencies, however when I write to them (by recorded delivery) to make offers of full and final settlement payments, they ignore my letters. I am really disappointed with them as I am really desperate to get rid of these debts once and for all. Can anyone…
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A little advice please
Hi, I got the letter today from my money advisor at my local council to say he has written to all my creditors with my DAS proposal and they have until the 24th of Feb to reply if they object. Just wanted to know if any of you had tried to arrange a DMP or a DAS and who accepted and who didn't. I owe (hangs head in shame)…
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Payday Loans and CCCS
Hello! My first post hope anyone can help? I have a current DMP with CCCS, I also have 2 payday loans thats are not included in the DMP, during my 5 month review process i informed CCCS about the loans and they have advised to bundle these with the DMP, advise from CCCS today was to inform the bank to cancel any further…
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Payday loans question...
Having become involved in the payday loan quagmire, like so many others, I am looking to make some changes. Whilst I am able to repay the interest every month (I don't even want to think about how much they have made out of me!), I cannot then make much payment towards the capital amount. I am chipping away at some, but…
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Constant Debt calls, how do they get this data?
Hi, Been a forum member for a while, i have been getting to grips with my debts and not dealing with it through any debt companies etc. However ive been inundated with phone calls this week offering DMP' and IVA' how on earth do they get this data? Do they get this info from the banks or is that illegal for them to pass…
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Debt in dispute, bank ignoring my request
I have a DMP with CCCS. One of the creditors is my old bank who I still hold an account with. The account is overdrawn but I am claiming 3x the overdraft in charges etc. I have requested in writing several times to put the account "in dispute". They refuse to acknowledge this. Now they've sold the debt to an external…
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Capital 1 versus OH printed signature, help
We have just started our DMP and most creditors have been fine including Cap1 with my account. When we sent off our CCCS letters offering tokens and telling creditors that we have started a DMP we did not sign them but printed our names. Cap 1 accepted mine no problem, stopped interest and couldn't have been nicer. My OH…
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Barclays
I honestly do not know why I bother. Have just been into the bank to see about opening another account for my bills, and to be honest, am beating myself up for bothering. She did nothing but lay doom on me, and say I wouldn't get this, and wouldn't get that, All I wanted was a basic account for my bills. She had a go at me…
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Unauthorised Overdraft
Hiya, Well quite some time back I did the silly thing of taking money out of my bank machine using an unauthorised overdraft, initially I think I took out £300. As time grew on, the bank charges started to add up and I have recently recieved another letter from HSBC asking for a proposed plan of repayment for my now £550…
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its all quiet .... a little too quiet
Hi all, we are in our second month of a DMP with payplan we sent token payments off for the first month & we have just paid payplan this month. I dont think any creditors have agreed yet but the first month we were getting calls & letters we didnt actually pick up to any of them. For the past 3 weeks we have heard nothing…
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Car loan
My daughter has had a loan for a car which she cannot afford it's in her na e but my address if it gets reposesed will this blacklist my house
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Capital one
I sent a complaint to the financial ombudsman about the volume of calls I received from cap 1 when I had requested a repaymant plan, including them ringing me and then ringing me again 5 seconds after I just hung up the phone to them on numerous occassions and sending me threat txts on xmas day. (I owed £200 balance on the…
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Settling Out Of Court...'without prejudice'
A creditor issued a bankruptcy petition against me, I filed a notice to oppose because I disputed the debt, and I have been in discussions with the petitioning creditor's solicitor since to try and settle out of court. They have now made an offer, "WITHOUT PREJUDICE", to accept part of the initial claimed amount as full…
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Do they want their money or not?
Long story i'm afraid... my parents run pubs, always have. This time last year they were really struggling and I took out a brewery loan in my name (for them) I know you're not meant to but they're my parents....its their livelyhood. It was called an advanced discount loan and basically payments would be taken each month…
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need help reassuring my dh
This may be V long but i`ll try my very best to keep it to the point! DH got a car on finance and after a few repayments he got a bank loan to pay the car outright. He then had the bank loan as his only debt which would of gone by now BUT without me knowing he struggled one month to repay the loan, got overdrawn! Wages…
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How to get credit card payments down to £1?
As some of you may know Ive been struggling esp with council tax. Its now been agreed that I'll pay £100 p/m for my arears. But Ive read a few times of people paying £1 towards their credit cards. I have a Vanquis (:eek:) card and a Barclaycard. I want to pay Barclays £1 p/month while I get rid of the balance on the…
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Sneaky Credit Card companies
I transferred my brother's credit card balance over to Virgin on 0% until April 2011 and now their introductory rate is over they've offered a new promotion of 0.9% until October 2010. At very first glance I thought that was alright until I remembered that they pay off the lowest interest rate first, so between October…
