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Deferring a payment for 1 month?
Hi. I pay Kays catalogue £30+ a month and have been really good at keeping up the payments. I rang this morning to ask if I could just defer this months payment as I am in difficulty. Its only this month and I will catch up from July. The woman said that I will be charged. I thought that maybe if I had explained my problem…
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Working tax credit help
I have been a single dad (with custody) for around 4 years, currently a full time student nurse and therefore unable to commit to a perminant job. My wonderful girlfriend and I are currently costing out moving in together so we are going through our finances with a fine tooth comb. One thing that I an insure of though is…
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HELP!!! In Debt and Getting married in 2 months
Hello all , Let me just start by telling you a bit about myself. My name is Tania and I have always been very stingey with my money , I hate lending and I never liked to spend money on anyone but me ......Well That didn't last, I met my Fiance and we had an amazing time together , (he is in a IVA at the moment and is doing…
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MacKenzie Hall
Hi I received an email from MacKenzie Hall regarding a debt that has been passed to them (QuickQuid - whom I agreed a payment plan with, they didnt set up the direct debit and to be honest, I never checked to see had it gone to them so without contacting me they have sold the debt to Mackenzie Hall). I rang Mackenzie Hall…
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Help with [accidental] default on credit report.
I need some help/advice. A couple of years ago, I made the mistake of getting an o2 mobile phone contract out for my brother-in-law. In October of last year, he was tempted out of his contract by another mobile phone company, and they paid off his remaining contract, however, as you know they give you the cash, rather than…
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Facing the sad reality....at last!
Hi folks, I feel like an ostrich that has kept its head buried in the sand for too long now. Today I am going to ring CCCS and start getting my debts sorted. I have found so much advice on these boards but kept putting off doing what I need to do. I currently owe about £7,000 on various cards and loans but more frightening…
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**Daily Chat 25/6/10-Happy Birthday Pooky**
Morning! :jHappy Birthday Pooky-get your router fixed woman, we miss you! Where are you all?:p Today, I are mostly be calling business' and trying to get them to talk to meeeeeeeeee:o What a glorious Day! What is everyone else up to????
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Amending credit report
Amending credit report Hi – I have a quick question. I’ve cleared off a debt with Sainsburys over a month ago and my credit report still hasn’t been updated. Does anyone know how I get the account status on the credit report changed to satisfied? The amount was paid in full. Thanks
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Clear my Debts
This is my position. I have been on Incapacity Benefit for the past 2 years. I was self employed and ended up having an operation (No 37) on my shoulder, so I gave up work as I could not type anymore (Plus lots of other things that I could not do) and then I found out I had carpal tunnel in both hands (Which is going to be…
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Friday 25th June - What small DFW things have you done today?!
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Statute Barred Student Loan
Hi, I recent recieved a letter from Honour Students Loans chase up a couple of student loans from 1995, and 1996. I've never had any contact with them since leaving University in 1997, and as the debt was statue barred I sent a letter informing them of this to their registered office. The proof of delivery, shows that it…
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Newbie needs advice
Hi everyone, spent hours reading posts on here and finally thought its my turn. I have had a tough 5 years seeing my finances go from plus £20,000 to minus £30,000 in the form of various debts: £13,000 left on a £20,000 loan, over £10,000 remaining on various credit cards £2,000 overdrawn and a £97,000 mortgage. I had to…
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Charliesdaddy's second SOA
Well, things didn't work out ideally. I lost my job in February, with an impending wedding in April to save for! So debt spiralled - though thankfully I had an amazing holiday and wedding and have now a new job which seems to be going well. Just need to wake up and smell the coffee re: debt!!! Statement of Affairs and…
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Reliable Collections HELP PLEASE
can someone advise please received this from reliable collections....can anyone advise???? Dear Miss Smith Thank you for your recent letter which we received on 1st June 2010, the contents of which we note. This account was originally opened as a personal credit account on 11th April 2008 and was payable on a 28 day basis.…
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Im losing the plot - please help!!
I started my DMP on 1st April 2010. Everthing was going really well - i coulndt believe that i could manage without credit cards and over drafts, I,ve had little telphone hassle - few letters - but then I got a letter from council tax saying I owed £700 council tax from 2007. Nothing I could do to stop it going out of my…
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Today is the Day
Ok so here goes. I want to sort my finances out and have made the decision that today will be the day. Im not sure how yet but I need to be motivated and hopefully this will be the first of many steps. This is my first post on here so any guidance will be really helpful! Wish me luck! Now with SOA
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Money Laundering??!
I've just had a look at my credit report. My search history says I've had a recent credit check from GB group plc (ID) and the purpose of this search was money laundering!!! :eek: I haven't applied for any credit in a long time, plus I've never heard of this GB group Any idea what this could be?
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newly redundant
hi, new to this so please bear with me if i maybe in wrong forum, i have recently been made redundant after 26 years, i was wanting to use my redundancy money to pay off my debts and rang for settlement figures for these, i remember someone sometime saying not to pay off the whole debt in one go to save on penalty charges,…
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Best Financial advice
Have touched on this elsewhere, but I want to float this separeatly. I was invited into my bank, to see about remortgaging, and getting rid of my unsecured debts. For some reason, C&G declined the application, nothing on the file to show why, but perhaps just a too high LTV figure in this climate. Lloyd's adviser said to…
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Who are Eversheds/Fairfax trying to kid?
I have both Eversheds themselves & Fairfax Solicitors telling me they are nothing to do with each other anymore. Yet on the back of the Fairfax threatogram today, it has standing order details with "Eversheds LLP" next to it. :cool:
