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barclay card/ payplan
we got our barclay debt down to £146.00, which we pay pro rata, with payplan. we now get statement, where it is showing the interest that has occurred, when we do not know because they said they would freeze interest charge, which is another £800.00. so figures do not match.. what happens when we pay our figures to payplan…
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Urgent
i bank with alliance leicester , my balance should be around £400-600 at the moment dpeending on whats gone in an out however my account shows £1060 , i have a £400 overdraft which i was in already recently (yesterday and today) santander took over them , does my overdraft owed to allaince leicester no longer apply as they…
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Advice on an old debt
Hi, I woud be grateful of advice on an old debt. My wife's first husband, died over 7 years ago. He ran up a petrol debit card bill for over £7,000 on a card given to my wife and her husband by her old employer (the fuel company) My wife has been paying this debt off (which went to a CCJ against my wife) for the last few…
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short settlement confirmation
Hi, My parents sent a letter offering a settlement figure re an outstanding debt (they are with CCCS and are only paying back a token amount on quite a large debt). The creditors have accepted the offer but I wondered if anybody can confirm that the wording from the creditors will mean nobody can ask for the remainder to…
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Mucky Monday 26th July Daily Chat - All Welcome!
Morning everyone! :hello: I couldn't see a Daily Chat so decided to start one, hope I'm not duplicating! Well, it was totally yuck when I left the house - but now it's clearing up quite nicely! Hope everyone has a good day - I am gonna try for an NSD if I can! There is still a case of man flu lurking in our house - hubby…
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Sending token payments before dmp - how bad does it get?
Morning all I sent my letters to all creditors on Friday explaining about financial difficulty and sending token payments. The letters were to Egg, MBNA, Cahoot, Next, LaRedoute and Halifax. I have spoken to the CCCS and have a given them all details for a DMP but have to try and raise some money (selling a lot of things)…
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Mon 26th July - 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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Student wanting to save money and become debt free...
Short term: I'm still at university and 20 years old so I still need my student loans! I have no job at the moment and in the next month hope to make some extra money to help me out before I get back to university. My parents are supporting me and I'm living with them during summer. I also need to pay my mum back £150 Long…
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In need of a virtual kick up the backside...how many more LBMs will it take? :(
I'm sitting here adding on my minimum payments AND DEBITS to my snowball three months on from what I thought was THE light bulb moment. Wrong again! What's wrong with me??? I know what I should be doing but I always manage to talk myself out of the sensible option :mad: My goal is to pay off my debts and save a deposit for…
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Advice with default notice
Hello everyone Although I have used the site lots of times before, this is my very first post and I'm not sure if this is the best place for it so sorry in advance :o I am hoping to buy my first home with OH early 2011 and I checked my credit report on experian over the weekend which showed a default recorded against a…
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Inflation
I don't believe it...I'm being paid 2.23% gross AER on my savings in a cash ISA - the best rate I could get for any easy access account, but the rate of inflation is 3.2%. So although my money is earning interest on a monthly basis, it is actually losing value because the AER is less than the rate of inflation. Bloody…
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How to stop worrying?! (SOA included)
Hi, I have been a DFW for sometime and have made changes like switching energy provider and will be switching home ins when it is up for renewal next month. I have managed to stick to budget with food shopping and a I do try hard. Yes, I have the odd slip, but I am getting better. I have upped the payment to my egg loan to…
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Simply Be Fraudulent debt. Help Please
Dear folks, I really hoping that one of you can help me out. Bear with me as I really need some help. I recently received a letter from Robinson Way forwarded from my old house asking me to call them to validate that a lived at a certain address. I was extremly surprised as I never was resident at this address (it was…
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Owe about £40K mainly on credit cards
Hello, We owe around 40K mainly on credit cards. We also have a 120K mortage. Our annual income is around 20K that comes from a commercial property. The monthly payments are irregular. Now if we sold the property we could pay off all our debts - problem is then we would not have any income. In theory we could also pay off…
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my SOA- any advice thanks
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1300 Partners monthly income after tax....... 1120…
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Southern Water Old Debt advice needed
Hi Hope this is in the right place, I am posting on behalf of a friend. She recently recived a demand for over £800 from Southern Water for an unpaid debt. The address refered to was someone she lived but for only 6 months in 2004/2005. They claim the bill is for the period 2004-2008. On my advice she wrote back to them…
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debt collection
had a letter from debt collector saying i owe a bank £8000,I dont know what or when they are talking about.there could be a possibility my ex husband did something in my name when he left me 12 years ago,but this is the first i have heard anything,do I contact them to explain would this effect my rights of Statute Barred…
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Can anyone suggest some good challenges?
I've haven't been on any forums for a good few months now but have decided now is the time to start hitting my debts again. I have found in the past that I do the best when I am par taking in challenges... in fact they become an obsession :o one debt v's 100 days was one of my favs. What challenges are people taking part…
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Blair Oliver & Scott
Hi all, I'm currently on a DMP with CCCS and was made redundant at the end of may. I contacted CCCS and advised them of this and was told to make token payments of £5 to all my creditors. I did this and got a couple of snotty letters from BOS (Halifax C/card) and Call Credit (Citi Card). I Wrote back to each of them…
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Restons issued a CO before my court date
Confused...I am due in my local court September 3rd after doing a re-determination-however yesterday I got a Restriction CO saying it has all been done and dusted in court-er hello? weird as I have a hearing in place to attend like I said September.....can they do this without telling me a change of date? Do I still pay…
