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Fredrickson Intl Ltd/Capital One
Hello I've been on a debt management plan for the last 3 and half years...suddenly it appears tht CAPONE have passed my account to the above......iv'e yet to receive any offical notification from CAPONE ...and have told Fredrickson that until I do I won't send them my inc/exp account. I've had a couple of calls from them…
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Overseas debt chased through UK solicitor?
Hi, Dont know what to do. I am be chased for a debt of AU$2000 on a credit card I overlooked when living in Australia over 6 years ago, looks like debt has been sold Credit Corp Services PTY LTD. Who have in turn contacted a UK solicitor to harass me and threaten legal proceedings if I dont pay. Is this legal?? Any Help or…
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Help with statement for income/expend
[FONT="]Hi I am hoping someone can come up with ideas, at present I can't enter into any agreements or go bankrupt as my income doesn't cover expenditure following losing hours at work. The debts had built up prior to that and I am not paying the monthly instalments since November. [/FONT] [FONT="]Statement of…
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Pay or save?
Hi everyone, I'm a bit confused as to what is best to do with a small windfall - should I pay off a bit of my mortgage or the additional mortgage, clear a low interest credit card or save the cash for emergency funds? Credit card - £7k owed, at 3.94% lifetime balance... Mortgage - c.£150k, currently at SVR of 3.5%....…
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Can they do this??
My partner has been experiencing financial problems so I sent out some SAO's and offers of repayment to his creditors .They have all been quite awkward trying to get him to agree to pay more and constantly ringing him so I sent some template letters from here about harrassment by phone which has stopped all but 2. He has a…
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DFD coming sooner than I thought!
I work for a company that gives out yearly bonus dependant upon our turnover reaching a set level. We usually hear around mid January so when news had come by last Friday we had given up hope. However we were given good news today! I've worked out that my bonus (after tax) will be enough to clear my credit card which means…
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freshstart finance
This company seems to have got my details from smewhere and keeps ringing me. How can I get them to stop. they seem to besome kindofdebt management company from what Ive found out.
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Where to start?
First off, hi everyone! Here is my story. I'm 26 and I've been pretty crap over the last couple of years with my monthly repayments of loans and utility bills, mainly due to the fact that a lot of the time my monthly outgoings have been not far off what I earn't in a month. Also over the last 2 years I've changed address 5…
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Debt management companies
Can anyone recomend a good Debt management company? I don't seem to be able to find a good reviewed one. They always look good but when you read reviews you hear bad stories about them......HELP!
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DMP advice
Hi I have been struggling with a relatively small amount of debt over the last year or so. Finally today I decided to do something about it and contacted the National Debt Helpline. They were very very helpful took all of the details of the people I owe money to and set up a DMP paying them £72.00 per month over the next 3…
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Charge for telephone transcript
My daughter is managing a pub and has a dispute with a company that were supposed to write an advert and for her but used out of date info. She asked them to put it right before she paid the bill. Their response was to pass the debt onto debt collectors 'Credit Solutions', who continually telephoned demanding payment and…
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Save for Christmas using school dinner money in the holidays!
This is my plan for this year. I have one child so pay £9.50 school dinner money each week. Every week that there is school holidays I plan to put this money into a Christmas savings account (have one set up with Lloyds). This means that by Christmas I will have nearly £100 saved for Christmas :j I see this as "no pain"…
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At wits end
Firstly a big thankyou to all of you on this site. I have been following the site for some time now as my debt situation has spiraled out of control even leading me to split with my wife. I even ending in up the police cells for the night for pushing her over something I have never done in twenty years of marraige. I have…
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Managing my Debt
Hi Guys and Girls, I know this is probabaly a dumb question as it probabaly asked thousands of times, but im getting nowhere (probabaly through stress). I have, for lack of better expression, ballsed up and now have several debts which are by no means big (£450, £200 and a few others). These are to Credit Cards, the water…
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letter to dca maybe a bit too sarcastic?
just wondered what you thought of my letter my husband and best friend found it amusing...... I my letter dated XXXXXX I requested any signed agreement you must hold stating that I have agreed to pay any disproportionate charges you decide to place on the account, as I am fully aware no such agreement exists and you have…
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At Least !!!!!! Turpin Wore a Mask...
I sent a CCA request to Fairfax solicitors on 11th January. Amongst all the silly phone calls, general incompetant, generic letters, they didn't send me what i requested. I did enclose the postal order and sent it recorded delivery. I saw who had signed for it and when, they tried to say they hadn't got it. I gave his…
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Proof of posting / receipt / acceptance
I've received a letter from a DCA that says "We believe that this letter fulfils this requirement even if it is not actually read by you" Given that it was sent via normal (un-signed for) snail mail and that the Royal Mail admit to losing millions of letters every year how can anybody say "we posted, it so therefore you…
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How can I get rid of a smallish overdraft?
Ok, so - currently I have a £500 overdraft limit which I basically drain each month. I am part time, paying nursery fees and have very little disposable income each month. I have two credits cards - one at £300 (0% interest balance transfer), and one at £900 - this one is a Tesco 0% purchases card which I used as an…
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Need help with a creditor?
We have just had a run in with a creditor and I think they warrant a darn right rude letter of complaint. Here is the story, we owe fashion world(JD Williams) £450, we are paying them a reduced rate going through Payplan of £5 per week. So they phone "Hello is this Mr XXX" "Yes" "Can you please hold the line while I…
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What is a dangerous level of debt?
OK. I know ideally that no debt is the best situation to be in. And it'd be great if that were the case. However, taking on board that debt is a fact of life these days, how much would you say is safe? As a % of income or whatever.... OK. Heres me:- Unsecured debts £20,000. (Credit cards - note, this is probably about 1/5…
