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MSE News: Financial Ombudsman says 'don't use claims management firms'
I think this should be posted here too. Remember the main place to post comments is on this thread.
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How much money per week for "spends" after ALL bills have been paid.
Hey guys, After every concievable monthly expense you can budget for has been paid, what would be a reasonable amount each week to have for "spends" money you can simply spend on absolutely anything. Beer money to put it one way or "profit" I'm working on a new budget and need to have a reasonable figure to work off. At…
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Llloyds TSB Credit Card and forthcoming solicitor's letter
Hello. It's me again back with yet another debt problem. Firstly have at least 5 defaults now amongst all my credit cards. I am running my own debt management plan since last May with help from CCCS and National Debtline. Am already with a couple of debt collectors - no interest and am on a reduced plan with no interest…
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Another card bites the dust
Another card bites the dust:D So it can be done. Keep plodding & join the 100 day challange. It really helps you to foccus. (Thanks lovely Pap:D)
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Finally - at last
I have plucked up the courage to actually type something here rather than just read about everyone else. Over the last 6 or so months I have been reading what others have written but have never had the courage to type anything myself. I am very happily married with 2 children but have a debt of about £21k, my husband is my…
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Oh my - my SOA
It's not pretty reading. Honest opinions on where we go please - all I can add is that the kids will soon be starting a new nursery saving £400 a month in fees, and in just over a year dd will be at school so another £250 a month saving (and a further £200 a month saving as DS will get his funded nursery place). Any chance…
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Nationwide Reducing overdraft!
Hi..I'll try make it quick and please be nice:) I have an overdraft with nationwide of £1300. Only after going over this due to them taking interest charges, they wrote to me saying they were demanding every penny back. I called the help line and explained I couldnt pay them and agreed to reduce by £60pm and more if I…
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Witholding third party goods
Hi folks I hope you can help me with some advice. My Son is a teenager in a band and they have been using a studio to practice in that was set up as rehearsal space for young teenage bands such as themselves. Unfortunately, due to some delays of grants coming through that had been awarded to finance the project, the person…
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Please Help - Debt collecter for unknown debt
Hi I hope someone can help me with this, 2 weeks ago I revieved a letter from a debt agent stating I owed 2k ,then I recieved 2 more all of which I sent back stating that I have no idea who they are or what they want with me as I have a very good credit history. However today I have recieved an open postcard from a company…
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Statement of Affairs - Outgoings Your Thoughts please
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1100 Partners monthly income after tax....... 979…
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Kensington mortgages been fined £1.25million by the FSA??
Iv just had a recorded message about Kensington Mortgages being fined £1.25million by the FSA for mis-selling with £1.1million being repaid to customers!!! Does this affect my mum and dad who had a mortgage with these which was then automatically transferred over to Topaz finance with no explanation??? Anyone heard…
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CCJs and property restrictions
Hello everyone, I hope you can offer me some advice. I have managed to make arrangements with all my creditors myself, all have been fine, including MBNA who took a token payment of £10 per month on my card debt. I always kept them in the picture re my finances and they were always kind and sympathic, acknowledging that a…
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self managed DMP - good idea? advice?? anyone done before?
Hi i was wondering whether there was anyone out there who had done a self managed DMP and had any advice on how it went ?? To cut a long story short I have posted my Statement of income and expenditure on here and then spoken with CCCS. Basically im on maternity leave and therefore the reduction in income now on SMP and…
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Hallo all you lovely people!
Not entirely sure what I am doing at the moment as this is my first post, so please forgive any silly things I may be doing. I am hugely in debt and for the last few months have been receiving psychiatric help for depression and anxiety, partly for the debts and partly as an ongoing problem. However, I have just started a…
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Best way to get catalogue agreement signature and application?
Hey guys, does anybody know what letter I send to ask for a copy of the original agreement with the signature on for a catalogue debt? Would this be a standard cca request with £1 cheque? xx
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Help & Guidance Please!
All, I hope you can give me some sound advice on this situation. I currently bank with Santander and have just switched to Alliance and Leicester as part of their £100 cashback offer. I should have checked this myself and am mad at myself for not doing so, but I have an overdraft with my current bank of £1000, which I am…
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Help! £7k in debt!!!
I need your help please, I owe the following and not sure what to do or who to turn to. Lloyds TSB (credit card) £4000 HSBC (Overdraft now with DG Solictiors) £1000 A&L (Overdraft) £350 Littlewoods Catalogue £250 Payday Loan £500 Tax Credits (over payment) £1000 I can only afford to pay back £100 a month in total. ARGH!…
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Charging Order Query.
Well, today we have the papers for the court date for the charging order on my big debt. I already have a CCJ issued on this debt. Am I right in thinking that the charging order means that if we sell the house then they have to be paid first out of any profits? Am I also right in thinking that they can only go for eviction…
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Please can someone help with advice???
Hi I just need some good advice I went on a dmp in december last year I pay £350.00 a month and I seem to just get by every month, I have had the interest frozen on my cards and my loan for now. The problem is that me and my partner had a joint account with natwest and single accounts, I was the one in the debt not my…
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I am finally a MSE
I am now in control of my finances. Today I am pretty skint. In the past that would have meant being overdrawn and getting out my credit card. Not anymore. I have £260 cash to last me the month, but I have all the toiletries,washing powder etc to last the month, 6 evening meals, one car with half a tank. the other about…
