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any luck with full and final settlements??
Just wondered if anyone had had any luck withe offering F+F settlements? I owe about 16K to about 10 different lenders, all overdrafts and credit cards. I have managed to get a new job that pays a lot better than my last one and my parents have said they can lend me some cash to try and rid my debts and pay them off…
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Do I have to pay my loan back?
Hey guys, I took out an unsecured loan a few years back to fund my Uni studies. It was with a company called Sallie Mae. They were supposed to loan my around £9000 each year of my studies (my course was supposed to last 3 years). Well, after the first year the company went bust, which kind of left me in the lurch (I ended…
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Halifax restarting charges
I hope this has been posted in the right section. I have been on a DMP with CCCS for about 2 years now and the Halifax after a few months stopped interest on my overdraft debt of about £4300, I have now paid them back about £2500 but got a letter from them today thanking me for keeping to my arrangement and telling me it…
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Council Tax
I just received our tax bill for our new property, it's over 10 months, I've seen people on here suggest paying over 12. How do i make that happen?
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my SOA advice would be great
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 0 Partners monthly income after tax....... 1800…
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Heavily in Debt and need some help!
Hi, Up till a couple of years ago me and my partner had a shared business which was a retail shop, we bought a house, bills got paid because he was always better at that sortta thing than me. Then the recession hit, the shop couldn't afford me, so I left and started searching for a job. About a month later, I was informed…
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Don't know where to start, lost cause I think - please help me.
Things have been getting increasingly harder over the last few months for me and my partner, but I guess we have just been ignoring it. Reality hit today when the car has broken down and we have no money and no credit available on any cards to fix it. Have been reading debt advice on here all day and decided to go home and…
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Have had notification that a company has been looking at my credit file:
Don't know this company. Acting on behalf of 1st Credit. Apparently my Credit File suggests I can increase payments, make payments or settle the bill complete. Erm. My Credit File would show I get refused for loans every other month and have a phone contract that replaced my old one (and is cheaper) but that's it???? Is…
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CCJ Surprise can you help?
Out of the blue today I had a letter from the courts saying that a debt collection agency has been granted a CCJ against me for £3,500 plus fees. A few years ago I had a hire car with Bank of Scotland with payment by DD. A year after I sent the car back they tell me that they forgot to collect a lot of the payments over 3…
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Court Summons for Council Tax
Hiya, right first off, I am not sure if this is the best place to post this so please move it of I am wrong, sorry if I am. I am having a nightmare with a council tax bill. It is pretty complicated and I cannot see a way out of it, any advice would be wonderful. By out of it I mean to be allowed to pay by monthly…
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Beware the promise of Debt Management programmes
Right I'll try to be as simple as I can with this (if you see any of my posts in the mortgage section you'll see why) About 11 years ago I ran up about £25,000 of credit cards loans, etc. I was 18-19 years old with no money and the banks just kept throwing it at me and I just kept taking. Then one day they wanted it all…
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OLD DFW now looking to save money for a wedding
Hi all, I used to post here and got debt free thanks to this wonderful board. I'm now back and looking to get married next May Bank Holiday – which gives me a year to save! The thing is, boyf and I have got used to buying nice stuff for our new house – the bedcovers I want are £50 – and that's me trying to be frugal. And…
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OH **** Here we go...
Well I had my lightbulb moment last weekend and sat down with my (new) girlfriend who is a financial adviser (who said romance was dead?) and worked out that despite taking home £1800 per month I have £20 to spend on non essentials. Whoopee.... Well she hasn't dumped me yet and over the following weeks I will keep a diary…
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20 years old - on benefits - and in ALOT of debt
I am in trouble and dont know what to do now. I have just taken my head out of the sand and decided to stop hiding from my debt. Just looked through my paperwork and i am in approximately £37500 worth of debt from payday loans, bank loans, catalogues, unauthorised overdrafts, phone contracts. and im only 20 is there any…
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H.F.O Help!!
Hi all, some of you may remember me from around 2yrs ago when H.F.O took me to court, tried to get a charging order and failed, was told to just carry on payment 9.75pm off a debt of £3100. H.F.O keep sending me letter saying that I have missed a payment, which I haven't, payments made by standing order, statements to…
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new can anyone help?
Hello I am new... We haven't missed any payments yet as I am on maternity leave so have no childcare to pay for, all the 0% credit card deals came to an end and we can't get any more ( santander refused) but when I go back to work in Octber we are screwed - what do we do please??!?!?!? font=courier new]Statement of Affairs…
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what is a statutory demand?
hello, sorry for my ignorance but can someone tell me what a statutory demand is, what are the implecations of this . My 75 yr old fater has been threatened with one from capquest on a £3600 debt they purchased from capital one. thank you
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19 and in Debt
Hi Guys Im 19 years old and was recently made redundant by my company, in which i was doing my apprenticeship for 3½ years. I was laid off before i could become fully Qualified, so job hunting becomes harder. I haven't found a job in the last 3 months, as there is nothing in my field and all the jobs i apply for a get no…
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+++ red debt collection... £1 postal order sent but.....
hi all, great forum! i have been hounded by red debt collection service for £155 that i apparently owe O2. I'm not so sure i do as I have had a o2 contract phone with the same number for approx.5 years and they have never attempted to cut me off etc etc. However, I came across the letter template that this site provides…
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