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Nat West Bank charges reclaiming
Hi all A little background first. I have a second current account (with the Nat West) - this was my usual account but then I got a job with a bank and I had to open a current account with them. Right, my NatWest account has a £900 overdraft and the balance has always been around about that limit (usually £800 - £900 od). I…
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Cutting the cost of loans and CC's
My first time posting in this thread.... :T :( I have quite large amount of debt and for a long time was finding it real hard to keep my spending habits under control with my monthly outgoings more than my monthly income. I feel now however I've finally got this under control and would like to now cut the cost of my Loans,…
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Welcome Finance Final Settlement Offer
Two and a half years ago, my girlfriend took out a loan with Welcome Finance for 7 grand. For various reasons she is now paying that back at £150 per month through a debt management plan and there's about 3 years left to pay it back. I believe the interest is frozen at the moment and her statement from Welcome has her…
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Old debts at previous address, clean at an unlinked address for 3 years
Hi all, I have old debts and I haven't paid anything off them in years. I have been at two different addresses in the last 3 years and kept them clean, paid council tax, have utility bills etc and haven't applied for any credit at this new place. As I have not applied for any credit at the new place, I am pretty sure my…
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CCJ Help
Oh god, where do I start:( My OH was involved in a business where he was a director (in name only) it turns out and promised shares dividends etc were never paid. Anyway in a nutshell he has been using his credit cards to live on and fabricate a lifestyle we didn't have and now the chickens have come home to roost. For the…
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Status Barred????? help!!!
Hi all, In need of your help and support. Both the wife and I are having sleepless nights over a 4k debt that risen its ugly head. We've played dumb to the debt with the company, they divulged the following information. The debts last payment was in 2001, the last contact they made with us was 2001 (9 years ago) My friend…
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Debt Collectors
Removed due to members ''stalking'' me and my posts.
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AIC, 1st Credit & DG Solicitors
At the time of writing this, I am feeling all lonely and depressed. It's been 3 months now since I have had contact from any of the above DCA's (ok, DG is in-house HSBC). I missed coming home from work to their threatograms asking me to phone them. I have missed the threats of Court Action, Bailiffs, Home Visits &…
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What is the worst that could happen then??
I wrote a few days ago about my terminally ill husband and how I just cannot afford to pay my debts anymore (i owe about £7k) I have written to them to ask if they'd write them off (with hospital notes as proof etc etc) If not, I guess I will be sending token payments (which I plan to send in a few days anyway - £1 each) I…
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Returned CCA Advice
I've got a CCA back after requesting it from Robinson Way. Currently owe them £3,800 from an old Cahoot account. I have been paying it through Payplan for about 7 years but thought I'd have nothing to lose by requesting the CCA and that it might put me in a strnger position to make full and final settlements. It's got my…
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jf65
i need advice i owe bank of scotland 5000 for overdraft 2000 for credit card i will never pay this of should i change banks and ask them to freeze the interest i would be grateful for any advice
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Assistance with Wescot
Hi All, Been a while since I last posted with issues regarding council tax. I'm glad to say that I've kept myself above water (mostly thanks to everyones contribution on here, which gives me endless hours of reading), and kept my debts to things that are payable immediately! However, at the beginning of the year, I…
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Welcome Finance - some advice needed
I have a loan with welcome finance that is close to being paid off. I have approx 7 months of payments left to make, however the term of the loan will run over as 4 out of these 7 are missed payments from about 3 years back. Today they sent me a notice of sums of arrears letter. Firstly they say the balance owed is £100…
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Considering my options...
Hi all First time MSE poster looking for a bit of advice with debts please! I am currently hovering very close to the bottom of my overdraft limit - at the end of the month my balance is pretty much minus £5k. At the start of the month it's around minus £3.5k but always seems to go back down. I know I need to start some…
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IVA advice please
Hello, I hope you can help. I'm facing up to my debts and looking for some advice My situation is £152k mortgage (value of house approx £155K) £20k personal loan with mortgage provider (this is a NR together product) £16K Barclayloan £14K Tesco £15k Virgin CC £6k Barclaycard CC So around £71k unsecured personal loans My…
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Equifax - Financial Associates
Hi there, What information should appear on the financial associates section of the Equifax report My mother seems to appear 4 times with differing different spellings for her name which is confusing me as i've never takenout anything with or for her. Plus there all to do with mortgages, something ive never applied for…
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Help with debt issue
Hi I'm finally getting help for depression which It looks like Ive had for a number of years and has caused to me gamble and have ran up about £14000 pounds worth of debt in the form of credit cards, loans and overdrafts. Sadly my dad thinks that my debt has cause my depression and not the years of bullying at school and…
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£8k bonus.....but who to pay off??
Hi all My Dad has kindly lent me £8,000 to pay of my John Lewis credit card. However I also have an £8,000 Natwest overdraft. JL charge me about £120 per month on interest and the OD is about £100. So now I have a decision to make, do I : A) clear the card b) clear the OD c) divvy it up 4K each JL is on a DD of about £270…
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Basic bank account: HSBC
My husband and I are starting our DMP soon and we went to HSBC today with a filled-in application form for their basic bank account. On the form was the question "Do you have other debit/credit cards?" and at what bank. We ticked "Yes" and stated that this was at Barclays. Another question asked if the relationship (with…
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help with my budget im having problems!
Hi everyone I got in alot of trouble a while back and got behind with minimum payments ect and my mum was nice enough to give me 500 to get back on track again. The only issue now is( im paying everything on time and tryin to cut back and overpay) but as my boyfriend gets paid monthly, i get paid weekly and our benifits…
