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Money owed by failed LTD company.
Quick question on behalf of a friend. I've been speaking to one of my friends about her money being tight (bless her, shes unemployed and not even claiming JSA yet) and she seems to feel there is a spectre of a bacruptcy court looming over her head. Reason being that she started a small business in the late 1990s and…
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What to do with paid off credit cards??
Hi everyone, I must admit to have been using this site for ages but never contributed; i guess i felt that i was in no position to offer advice!! but the comfort it has given me over this period has been immense. I have to say that Martin deserves proper recognition (knighthood!) for the way he has started a movement that…
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Removal of Default
Hello, I've looked through the template letters but can't seem to find one that fully covers what I'm after. Hopefully this doesn't mean it wont be possible. Any advice on if this will happen or not will be welcomed. I have a loan with A+L which is due to end in March 2011. Two years ago I had to write to A+L offering a…
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Thanks MSErs With your help I have paid off one of eleven debts
hope i'm posting this in the right place :o yesterday i received a final settlement offer for one of our eleven debts managed by a debt handling company. thanks to all your hard work on here posting competitions and freebies, grabbits and discount codes i have saved enough cash to take them up on their offer. so now we…
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Attachment to earnings and a new DCA
Hi Guys Hope someone can offer some advise please. I had a debt to Landrover finance of £1800 recieved a CCJ and then an attachment to earnsing followed with £40 pm being removed at source and sent directly to Landrover Finance as per court instructions. Last year the atttachment to earnings stopped and I assumed that the…
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Should I approach my Credit Cards before contemplating IVA or DMP?
I am here as I am in debt! I have 3 credit cards, a loan and a car on HP, and mortgage. I am teacher, but my contract is coming to an end in August and I havent been able to get a permanent post for september. So will have to pray I get some supply work. To compound things, I have labyrinthitus (viral ear infection) and…
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Beginning to get annoyed... is there anything I can do?
Haven't been on for a while, but have now got to the end of my tether with a debt collection agency called Intrum Justicia. In a nutshell, I used to do Avon cosmetics, I owed them a small amount of money (around £27 ish), however when they phoned me and asked me to pay £32 I disputed it, because that was the wrong amount.…
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If you make an F&F are you acknowledging the debt?
I have made a few F&Fs to my creditors (none accepted as of yet). I wondered if I use the template letters for F&Fs am I "acknowledging the debt"? I am not currently paying anything towards the debt. Is there any terms or phrases i must put in letters, to avoid acknowledging the debt, for statute barring purposes?
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****Thrilling Thursday 15th Daily Chat**** Lurkers Welcome
Morning everyone. Really windy here. Lots of work to do and hoping to get car key cut on second attempt. Do join the chat and also consider the "small steps" daily thread - lots of useful ideas and tips. Have a good day and don't get blown away :D
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Rossendale query
Can i just ask if any one knows if a car has been levied how can they come out in a transit van to collect goods (car) and charge for it when obviously they couldnt to what they set out to do as how do you get a car in the back of a van, surely it should have been a tow truck. But then im sure they would have had to…
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Thurs 15th 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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Mobile Phone Contract Debtor
I took out a £40 per month mobile phone contract about 2 years ago and basically I couldn't pay it after a couple of months and rather than sorting it, I buried my head in the sand. It was an 18 month contract, so it would have expired 6 months ago. Basically I should be starting a job next month and would like to pay it…
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Drowning in my overdraft!
Hi all, I am after some help. After being made redundant from my job in Nov 2008, I have taken a new job, with a far lower salary. My income has dropped from approximately £25,000 to £13,600 this has meant being careful with my spending and adjusting my budget accordingly. I've gone through the usual 'big changes'…
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How screwed up are barclaycard
I had a barclaycard initial which is now on my dmp with CFCs. It's been on it for about a year now with a balance on £410. When I get my statements it's said credit limit nil balance £410. Today I get a letter in the post from b-card saying because you have been good with your payments for X amount of time we have…
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Bad debt management experience
Dear All, Following on from years of struggling to repay my debts, I've tried 3 debt management companies. I have to warn u all though that my experience has been nothing more of a complete knightmare: being ripped off, losing even more sleep and not knowng who to trust. I went to Churchwood Finance, and they took £330…
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BT are Chasing me for a Debt and I don't have any BT services
BT have sent me various letters for a company thats has BT broadband and phone services. But for some reason they are sending the bills to my address, andi do not have any BT services. This has gone to a debt collection agency. Will i now have my address listed for poor credit How do i stop it and they ignore my calls and…
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CCJ againt me---help
I have been given a cccj against me for 10k by MBNA and the judgement says I have to pay £1296 per month yet my DMP has offered them £43 based on affordability which they MBNA rejected. can this be challenged? I have 14 days to write to the court. Dikko
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Greasy Palm not paying out.
Don't know if I am posting on the right boards but it seems the busiest. I've checked my Greasypalm account which has got £27.13 in it but they're saying I haven't qualified for a payout yet (paymant is made 30 days after you have earned £25 or more) so how do I qualify for a payout?? Thanks
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Seeking advice on strategy for getting debts paid off
I've got two outstanding debts, one overdraft in the order of £1,100 in the red and a student loan balance of just under £19,000. The overdraft is interest free, and should remain so for the next two years and the student loan was started in 2004 and carries whatever interest rate it carries (I think currently it's 0% and…
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How quickly can I (realistically) repay my debts?
Hi there, I have been looking at the forum for a while now and have been taking a few tips on board, although a lot doesn't apply as I pay my partner a fixed amount a month towards the household bills etc. Out of interest I recorded my spends for 5 months and have compiled an SOA based on the averages for those 5 months.…
