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Payplan IVA or DMP ????
Hi I have just spoken to Payplan. I have £35000 debt. My circumstances have drastically changed. After paying my priority debts i am left with £20 to pay creditors. I was advised to send token payments for 6 months after which my situation will be reviewed to see what can be done. I was told if I had £100 surplus I could…
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Overdraft Full & Final settlement?
Hi everyone, I have an overdraft balance of around £4000 on a LTSB current account which is no longer in use. This balance is entirely made up of charges, but having unsuccessfully attempted to reclaim these charges (via a court claim which I have now discontinued) I would like to utilise a lump sum I am expecting in the…
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My own DMP - Collection letter
Hi all, I've arranged my own dmp with my creditors, been in place for 12 months now. Just received a letter from one creditor, for an overdraft of £5k with Halifax stating that my agreement for reduced payments has ended, and to pay up in full. I managed to get them to freeze charges and interest on it. I'm going to write…
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MacKenzie Hall / Black Horse
Readers of my previous Black Horse thread will now that I have referred my case to the FSO. I notified Black Horse of this by recorded letter. They responded by letter and reduced the outstanding arrears by £350, but still didn't confirm what amount was outstanding. The FSO have responded to me, saying I must write to the…
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i.v.a are they good
are individual voluntary arrangement any good or are they companys that rip you of and make things worser than they was, I get paid 1500 a month but my rent + 3 loans (unsecured) comes to 1350 a month for the next 6 years so 150 a month to buy food petrol and utilitiy bills, last month i had £8 pound to last the last week,…
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Helping My Friend (Addiction, Depression)
My friend was made redundant just over a year ago, and since then has suffered from depression and alcohol addiction. He is now an in-patient in an addiction unit and has entrusted me to help him sort out his finances, which are frankly in an awful mess. His only income is £65 per week ESA. He has an 'unarranged overdraft'…
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Need Some DMP Advice
I have just been on CCCS website and put in to start a DMP with them and they are now sending me out my pack. They stated that I am better opening another account as the one I am with at the moment (Nationwide) is going to be part of it. However I am not sure how to go about this as obviously I have an overdraft on the…
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Linked Address
I am after some advice please, I just checked my Equifax credit report. On 05/02/2004 an account was opened with Express Girfts - Studio on a "linked address" which just happens to be my sisters address where I've never lived, the current balance is £195 the default date was 29/08/2004 and the default balance was £205.…
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Future looking brighter :)
Hi all. Quick intro, Im only 20 and somehow am in debt of just over 4thousand. All a mistake, cards and catalogues etc. I now have a daugheter and a home with my partner and really struggling with my debts and managing to help with the rent and bills. Have decided the only way Im going to get rid of the debt is with some…
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Bailiffs enforcing for an ex-tenant-ish
Good Evening and many apologies if this is in the wrong section of the forum. I found that most of the first few pages of hit for bailiffs came here. Basically I am trying to work out what rights everyone has in a situation. My brother run up lots of debt (Orange, Littlewoods, etc), buried his head and failed to turn up at…
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debt help needed
really need sum advice,after a messy divorce ive been left with about £9000 debt in (credit cards etc).I work full time,pay my own rent but am really stuggling with all the repayments.I contacted the credit card companies a number of times and they keep telling me different things(they are lowering interest rate so lower…
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Does my face not fit?
I can't quite seem to get my head round this site. Granted my threads have been less than thrilling but maybe they're in the wrong place or something. I've got the same feeling I had when I joined new schools.....everybody are mates.:( There seem to be a lot of long running threads that I can't understand.
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Outstanding balance versus Settlement Figure
Hi all, Trying to get to grips with my finances, and using the awesome snowball, but I think I've made a bit of a boo boo on my figures. I rung my personal loan co to ask them what the outstanding balance on my loan was (£15k taken out in Apr 2008, paying £248 p.m. towards it) and they told me it is £15,410 - gulpety gulp.…
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My letter to Credit Solutions..your opinions please?
Hi all We received a laughably scary letter from "power2contact" today, saying that because we haven't been answering their incessant phone calls, they're going to come round to collect our debt. (£670 owed on a barclays overdraft) We're paying this through CCCS and I've already sent the "don't phone me" letter, with…
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my short term 6 month bank repayment period is up-what should I do next?
I am unable to work at the moment due to uncontrollable epilepsy. after studying I had around £2000 to pay back the bank as the result of a student bank overdraft. as soon as I left the course the bank started charging me regular overdraft charges, although i did not find out until I owed them over £2200 (the extra is all…
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Making overpayments on a DMP
Hi guys Thanks to loads of tips here and a bit of help from my Mum this week I should have a bout £800 to pay towards my debts on top of my minimum DMP payment. Do I just go ahead and make the overpayment, or could this lead to questions about how I can afford this large sum all of a sudden? Thanks for any thoughts!
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Intended Litigation Notice
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quick budget spring clean required!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 3,000.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Proof of Cabot Signature Fraud (CAG Forum)
From the CAG Forums, this was pointed out to me by a PM. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/259518-cabot-deceitful-dirty-tricks.html
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Godamn Overdraft!
I just cannot foresee a time when I won't have this millstone round my neck. I have opened another bank account which is going to be our main one and pay the debt off bit by bit. Just feel a bit down today ......the news is all gloom and doom. I wish I could manage my finances better.:( I knew a couple of weeks ago I'd…
