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Savings/ISA's/Getting out of Debt
I have got myself into a bit of a financial pickle at the moment. I am currently well over my overdraft, have 2 loans and paying off 2 cards. Needless to say I cannot take out another loan, am getting whacked with bank charges, etc. My parents set up an ISA for me when I was young and now being 27 I want to use that to pay…
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Newbie saying Hi !
Hi all, ive been a reader of the forum for a while. things are starting to get a tad tight so i thought i would set up an account here to get some tips on how i can earn some extra cash to get things cleared abit quicker. background - Me and my girlfriend had a little flat that we rented, we needed our own space as things…
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Will overseas debt count against me?
My whole adult life I have never been in debt. I have always, always paid every bill on time and would go without rather than incur any debt. I've had credit cards and always paid the bill as soon as it arrived, never incurring any interest. Recently I spent quite a few years living in America and fell on really hard…
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:-) one less card!!
i am so happy as i've just paid off my first card!! :D it was only small but it just makes things seem much more manageable with one less and makes me feel like i can actually do it! i've been reading this board for months but didn't have my LBM until March this year and with all the help from the posts on here i've…
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Taking the big step to get out of debt
I've posted this in my debt free diary, but thought it may inspire some people who don't read them, so here it is: I've spoken to my parents and they'd agreed I can move home to get out of debt. We've agreed on an amount I can pay them to cover basic food and household bills I may affect. I should be able to clear off 90%…
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Robinson Way not helping.
I have my fingers crossed that someone will be able to help. It is a long story but please stay with me. My Fianc! has an issue with Robinson Way Debt collectors. Nearly 9 years ago my Fianc! and his ex partner took out a home owner loan with HFC bank, Unbeknown to him, his ex partner was not paying the mortgage or loan…
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I need some support!
Dear All, This is the first time I have posted on here and I'm having a bad day! Yet again we are struggling to cover our bills coming out and I'm going to have to put the weekly shop on the credit card. I'm very worried that we are just going further into debt! At the moment we are managing to pay our minimum payments by…
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Help Needed Urgently
Hi All I had no idea where to post this so if its in the wrong place sorry . To cut a long story short in suing Black Horse as I was sold a faulty car, This has been going on for 4 years so I decided it was time to involve the courts so I put a claim through a small claims court, The defendant has not replied so I sent a…
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Lloyds TSB not updating credit file
Hi, Last month (on Saturday 3rd April) I paid £1182.00 to Robinson Way, who were representing Lloyds TSB for an outstanding overdraft. They told me that I would get a receipt within 4 days of paying - needless to say this did not happen and I chased them the following week. They said they would send me a letter saying the…
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Egg CCA is this one enforceable
Wish i had a time machine
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Help - Creditlink Account Recovery Solutions
Hi, I recently received a letter from C.A.R.S. for almost £500 for internet in a property I left almost two years ago. It says that unless payment is received within 7 days there will be legal proceedings in a County Court. I have heard nothing about this in the two years since I left the property and believe I followed…
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Wescot Passed on my Debt??
I have owed a few hundred pounds to BT as I moved out my flat over a year ago and cancelled my contract. BT passed on my debt to Wescot debt collectors. I set up a direct debit for the right amount of months to pay it all off within a year. I have so far paid 2 months and got a letter recently saying I shouldnt pay Wescot…
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My LBM
Hi there Been reading this forum for a little while and had my LBM yesterday, only it was in reverse! About 2 1/2 years ago, I realised that I couldn't bury my head in the sand much longer and addressed my debts. As my debts had all been sold, I worked out what I could afford to repay and contacted everyone and offered a…
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HELP! CC dept gone into my account and taken money
Hi all, I have a CCdebt with HSBC, I also bank with them. Unfortunately Ive tried and tried to explain to an indian call centre that Im on benefits . Theyve taken £300 from the account .... that money was my rent money:( Its housing benefit They arent refunding it...Im trying to make some sort of arrangement with them but…
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Orange phone help -
Hoping someone can help me i'm trying to help a friend with an old orange contract. they have put a default on her credit file and she has written asking for copy statements and proof of the debt. then wrote asking for a copy of the default never received. they have replied basically saying that the contract is not a CCA…
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How long will it take to pay off?
Hi, this is a very silly question and I am sure I know the answer but my brain has gone blank. Basically I owe £1571.64 to a debt collection agency. They have agreed that I can pay them £30 a month. They have sent me a standing order form and I cannot, for the life of me work out when the last payment should be set for…
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Two council tax letters
Hi all hope this is the right place as I am having a problem with with my council tax. I have been trying to sort this problem out since last year with no luck basivly I was a student and my partner was not so we got 25% off our council tax. But a the start of the year we got two letter's one for £887 full council tax +…
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Need some help, don't know what to do???
Hi everyone, i am in a mess right now. Basically i have 6 credit cards and owe on all of them in total approx. £6,500, this has come from cosmectic surgery and the need for a car and some clothes shopping all of which i regret. Anyway the interest is crippling me and meaning that i am not getting the balances down on these…
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Happy Monday Daily Chat.Pop in for a chat.
Morning gang :grin: Up early for me as a busy day ahead:eek: Must crack on with OU. Have a Happy Monday & thats an order:D
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missing an account on experian
Did a full credit score check with experian, and found out that my Nationwide account is not included. Can anyone offer any explanation as to why this might be? Has the same address as all my other acounts.
