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Help - seperated and worried about joint debt.
Hello Me and my husband seperated in October 2008. I had £9000 of debt that was joint but stupidly in my name only. I have organised payment plans and reduced interest on that and managed to reduce it to £8000 in the last year. However we have a joint loan that I have only just become aware of the amount owed. I knew it…
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Help! What to do with my credit card debt?
Hi everybody, I’m new around these parts so I hope it’s OK to ask for some advice on this forum! I am struggling with some credit card debt and so thought it would be handy to get some tips. I find it hard to understand comparing interest rates/APRs, and have looked a bit round this site and others but it may make more…
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what are our options....
This is complicated but here goes.....my husband has a mortgage with his father for 68.000 currently with Santander. Husbands father is now 76years old and is only on the mortgage as a name sake, my husband pays the mortgage and wanted to take father off the mortgage (with his consent) and put me (the wife) on. Once this…
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Successful Egg PPI reclaim - My debt just went down by nearly 4k!
:beer: I am in total shock! I only submitted one letter and was ready for a fight but recieved a letter this morning saying they are upholding my complaint and taking the amount off my loan which has significantly reduced the balance. Couldn't wait to tell CCCS, I am now nearly at the £20k mark from £35k last year, it's so…
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Welcome finance
HI! :j Me and my hubby took out a loan with welcome finance in 2008. the loan was for £3500. After already paying back £3600 i rang today for a settlement figure and almost fainted when they wanted another £3375 to settle!!!! OMG! Help!!!!!! I have managed to save £2000 and have offered them it as a settlement figure that…
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DMP and interest
Hi, new registration, although I have been snooping for some time. Im on a DMP with payplan. This ends Sept 2011. Ive been on it for 3 and half ish years so far. Most companies have stopped interest except Barclaycard who continue to charge a smaller APR and HSBC who combined my od and loan into a managed loan. Also Egg…
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Welcome finance
Hi all! Whats the story with welcome finance, i have been reading reports that they are in trouble? Is this true????? Where does this leave the people who have loans with them? Quite funny really since they take advantage of people how are in trouble and have no where else to go! :t
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Morgan Stanley/Barclaycard CCA 2004
I'm fairly new here, could someone advise if I am allowed to post pdf's of a CC agreement from Barclaycard for someone to check if enforceable? The reason I ask is it says no attachments may be posted, would be grateful for some guidance.
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Bos
Hi Just started my self administered DMP, just contacted BOS and offered them a payment for the next 6 months (hopefully everything will be okay by then) the lady I spoke to said she would mark down arrangmeent to pay but couldnt stop charges or interest until they receive my SOA, which I sent on Friday. Is this response…
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Does anyone work or have worked for a bank?
I had a money conversation with a friend the other day and the topic ended up on cheques... (yes my life is SO interesting!) Basically I know and told them that the life of a cheque as it were is 6 months - then you need to get it re-issued. To my wonder they said they had a couple of times paid in cheques over 6 month old…
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Cashing of Payments
Hi, I owe money to a company, and have sent them a small amount (£4.42) which I calculate as their pro-rata share among my other debts, I have alerady sent them a breakdown of my disposable income. The creditor in question has returned my cheque! with a note saying 'This is not accepted by us'. Are they under a legal…
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Help! What to do with my credit card debt?
Hi everybody, I’m new around these parts so I hope it’s OK to ask for some advice on this forum! I am struggling with some credit card debt and so thought it would be handy to get some tips. I find it hard to understand comparing interest rates/APRs, and have looked a bit round this site and others but it may make more…
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Getting Paid on time
Hi Wasn’t sure where to put this , basically I’m having trouble with work paying me on time , this is about the 6th month of not being paid on the right date , in my contract it states that i should be paid on the 29th of every month , buts its being varied from 5th to the 15th of every month and sometimes ill get half…
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How to go about it.
Been lurking here for years, but this is my first ever question on the board. I now want to set up a DMP, a self run one, so that I control when payments are sent etc. I have lots of comm's with DCA's, lenders etc, most I have kept quiet by informing them they are breaking OFT guidelines and so like. That has led to me not…
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urgent advice needed
Hello all I have been on here a few times but really need some desperate advice. I have been incredibly stupid and don’t know what to do. Please have a go at me as it is what I deserve. Over the last 12 months I have been suffering from a gambling addiction, due to depression. This is really hard for me to admit, I am a 25…
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can't pay ccj cos claimant refused receipt of mail - confused?
Good Morning. I'm a bit confused and don't know what to do. I have a CCJ against me that I have been dutifully paying for the last 2 years (there are 8 years of payments to go). Payment has always been made by cheque, at their request. In December 2009 the Claimant (a PLC) never cashed my cheque, in January 2010, I sent it…
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Welcome finance!
HI! :j Me and my hubby took out a loan with welcome finance in 2008. the loan was for £3500. After already paying back £3600 i rang today for a settlement figure and almost fainted when they wanted another £3375 to settle!!!! OMG! Help!!!!!! I have managed to save £2000 and have offered them it as a settlement figure that…
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Out of the debt closet
Hello everyone. Up until now I have only lurked on this board and think it is a fantastic and supportive resource. I get great positives just from reading how people have improved their lives by reducing their debt. I have been hiding my debts from my wife and came clean over the weekend. Not surprisingly she went…
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Happy Feb 1st Daily Chat-Blether Away DFW's!
Good morning all, Bright cold and frosty day here in the Mullershire. What is everyone up to today? Today, I are mostly being ironing and maybe go see a flick with DH. :)
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Monday 1st February - 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…
