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Former employer overpaid me, can I face prison?
Hello everyone, first of all apologies if anything I say has already been written somewhere in this forum. Or if this is in the wrong forum. Im currently in Australia at the moment working and living, I plan on heading to New Zealand in June and I spent last year (2008-2009) working and living in Canada. My situation is…
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Weekly Spend Challenge W/C 23rd May 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Your experience of being on a DMP with CCCS/Pay Plan?
Hi everyone I have read a number of threads on this forum and what i don't seem to be able to find are peoples experiences of being on a DMP with CCCS and how their creditors have responded to the reduced payment. I have had a number of calls from creditors demanding payment will this continue? I am about to start a DMP…
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Equifax 'outstanding debt' searches in table 1 of Credit report
Hi Really hope someone can help as i've searched the boards for a while looking for a template letter to send to equifax. Here is the problem... Mackenzie Hall have searched my credit report 6 times 3 in my current name and 3 in a previous name in the past 3 months. This has also added a linked address from 8 years ago.…
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Money saving state of mind
So I've read in magazines and on websites about how, when you get into it, saving cash can have the same 'addictive' feeling as spending it. This sounds like a lovely way to be so I was wondering if this is the case for people on this board and if so, how did you get into the habit? I really want to change the way I think…
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ID Theft
Okay so im having trouble with a major high street bank. In Feb 2009 I was made aware of several account opened up in my name which are not mine, which are all fraudulent. A Current account, bank loan, credit card. I made the bank aware of this and they informed the retail fraud department. After several conversations with…
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How tight a budget is doable ?
Added SOA to my post at 23rd May at 2:45pm :) We have been rocky with money over the last couple of years, after living it up when we had double income and no children...how things change :) So far we have tried the following to reduce our outgoings... : Husband was making bio diesel in our garden shed, when veg oil was…
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1st credit and my water bill
hi guys, not sure if i am in the right part of the froum so forgive me if I'm not. I received a letter from 1st credit the other day saying i owe them 539.40 for their client united utilities water, i rang them up and and agreed that i owed some money to unite utilities water but no way was it 539.40 and asked for a…
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Trying to get out of debt
Hi Everyone I have been trying to get out of credit card debt since November. We completed a big build and went over, doesn't that always happen? and I just don't seem to have been able to get out of debt since. We earn good money but every month the money comes in and the money left over just goes to pay off the credit…
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Help from mum??
Have recently separated from my husband and have been left in a little bit of a financial pickle. I have been left financially responsible for all the bills & debts. I can just about manage the mortgage & priority debts but would not be able to manage the debts which could nearly cost £1000 per month. I have been speaking…
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Payplan DMP - what to do with potential sum of money
Hi there, I've been on a Payplan DMP for the past 9 months. I pay £530 a month to the plan. Total debt stands at approx. £51000. Estimated length of DMP 8-9 years. OWE: M&S - £663 Cabot Financial (ex-Egg) - £8100 Barclayloan - £19,100 Blair, Oliver and Scott for HBOS Halifax - £19,693 Bank of Ireland personal finance -…
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My address doesn't appear on databases - could it be blacklisted
Hi everyone, I moved into my house just over a year ago and have noticed that whenever I enter the postcode and house number search on, say, a website for car insurance, my address does not appear. All my neighbours' homes appear but mine is never there, regardless of which website I use (online shopping, insurance, etc).…
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Please just make it all go away.......
I'm so sorry folks, I only seem to post on here when i'm feeling my lowest. I'm so depressed and things just seem to be getting worse. Everything's just going horribly wrong and there's nobody to blame but myself. My debt's are just out of control and everytime i feel like i'm getting somewhere i get kicked back down…
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Process Servers - advice please
I have received a letter from what looks like a process server company saying they have been directed to serve me with a court order with a penal notice. They have given a date and time. Background is I was given a 'judgement forthwith' which I can't pay so this is obviously the next part of the process which is I'm in…
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No Contact - Is this Correct?
My DHs DAS - he has 6 creditors, and all of them regularly send out statements for information only except for one - Lombard. He's almost 2 yrs into his DAS and he's not heard a dickie bird from them. It seems a bit odd to me as all the others say in their contact mail that they have to send out the statements by law, then…
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Debt free advice
Hpoefully this is in the correct forum but if not MODERATOR please feel free to move it. I was unemployed at christmass due to contract finishing and i had been unsuccesful in find another for the past 5 months. during that time i now have mortgage arreas of £1800 and £400 on a secured £10k loan. No where near as bad as…
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Has any one got any debt solutions
Hello i owe 2500 tsb cc,2400 halifax cc,300 capital 1 and 2500 to little woods. And my overdraft is 1800 and live i it :( i am just able to meet the min payments each month but have no money left. Does any one have any idea;s thanks natasha
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Can't pay loan repayments, help?
I need help and I don't know what to do. I have a Halifax loan and credit card, and also a Barclays loan. I have been struggling to pay these three each month for a while now, but now I am unemployed and can't pay at all. Up until now, I have been burying my head in the sand, by ignoring phonecalls and letters in the hopes…
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Should I continue on....?
Hi, So I've self negotiated with some of my creditors for lower payements. I still pay £260 a month towards them out of a £897 salary. Ive been paying for about 4 months and it doesnt feel like im getting anywhere. Some creditors are still hassling me each month to see if i can pay more. Some are not freezing interest so…
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New to this... but all advice welcome
Hi all I'm new to this so bear with me! I would like to be as debt free as possible as I am thinking of applying for a mortgage soon with my fiance, i'll explain my situation. I have just finished university and have a new job, only 16 hours but I have been offered more hours, just waiting for it to be set in stone.…
