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Capital on1 / Capquest
I am really quite angry and also a bit confused... Originally I had a debt management company 'helping' me manage my accounts, then i woke up and realised they were scamming me out of over £80 per month! :eek: Anyhow... I am now paying my debts off and alot more effectively then before..... So i have run my own payments…
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Any tips on clearing our Spectrum plan?
We have been trying to clear our 12k debt with Spectrum for..wait for it... 5 and a half years. So far we still owe 11.5 k. We have just upped the payments to £148 with £125 of that going to creditors, but I wanted some tips on what we should be doing to actively manage the DMP and any advice on offering full and final…
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Barclays partner finance
HI I've been on a dmp with payplan since 2005. I've just had a statement from BPF with a much higher figure than payplan have got. So I phoned to find out why - i've had 9 lots of £22.50 added to the account for late payment charges, from 2005-2008. Payplan make all my payments, i have no say on what date the payments go…
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SOA -Is there light at the end of the tunnel?
Well here it is in all its glory. I contacted CAP as they have a local contact and they have put me into a dmp although it says 166 years to pay off because my divorce is not even at the nisi stage yet (6 mths taken so far) although I have heard he has now signed his paper. But as he is also in dire muck and a charge is…
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Credit card / overdraft / cash advance dilemma - HELP!
I will give a hundred peacock feathers to anyone who can help with my dilemma. I've had a heavy month in terms of spending, and I checked my current account balance today to find that I am 70 pounds over my agreed overdraft. (So, basically I am 2060 overdrawn.) My fault - not budgeting, not keeping an eye on things. The…
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Selling house, paying debt and lowering mortgage
Hi, the subject states our current situation. Our debt is currently, combined, £47,655. We are going to be selling our house and buying one at less than we're selling so therefore dropping our mortgage by the time the deposit is taken off. By our calculations however, we will only have about 10k in available money to pay…
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advice or link to groceries shopping
hi cant seem to be able to find the link or thread about reducing weekly grocery bill keep seeing comments on peoples soa's where others say food bill can be reduced further, would love any tips / advice how to do this, currently budgeting 280 a month for 2 adults & 1 x 11 yr old inc food, cat food, cleaning products 40…
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Credit Report Issues
Hi all I have recent got both of mine and my partners credit reports in paper from all 3 providers. There is a massive error on all of them on my partners. A joint CCJ which was squashed in court and judgement was set aside as they thought the person instigating it (none other than my father!!) was bang out of order and…
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Parents living in Spain threatened with a statutory demand by British debt collector
hi there, please could you help me, i am new to this and not sure how to post, i have a query similar to this one you helped with. my parents have lived in spain since 2002 and have a couple of debts with capquest for egg and citi bank. both are over 6 years old but they have been sent a letter stating they will start…
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Received no default notice
Hello there, After doing a credit report i found that virgin media have marked an account of mine from 2008 as in default for an amount unpaid. Upon realising this i paid the amount owed and found that the reason this had escaped my attention was because virgin were sending my mail to an address i had told them i had…
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Help with Default needed
Hi there Just looking for some advice because I've hit a dead wall with Vodafone. In totally out of the ordinary circumstances I was attacked one night whilst out with friends. The long and short of it was that one of the attackers ended up dying and I was remanded into police custody immediately and charged with murder.…
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redcastle recoveries. advice needed please.
Hi, Could do with a little advice please. Aproximatley 5 and a half years ago my husband took a car out on finance which was later part exchanged with the crysler group. Fast forward.... about a month ago had a letter from redcastle recoveries saying that we owed them nearly £1700. We had no idea what this was and had…
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Credit Card Balance 0
Hi I earn £21,500 and I have a lot of credit cards with a balance of 0. The credit available to me equals about £17,000. All of the cards have a high APR now that the Balance Transfer offers are over so I wont be using them. (I dont have the card in most cases.) I have an overdraft of £2500 which I live in and want gone…
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Quick question- CallCredit report
afternoon all I just checked my credit report with Callcredit just to check a bunch of old accounts that I had closed were now marked as closed- they were which is good. Everything looks good (and there is no reason it shouldn't be) but at the bottom of my report it has listed my old flatmate that I had a joint HSBC…
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Default Question
Just a query, I defaulted on my loan in November 2006, and so thats what it states on my credit file, just a big D in that Nov 2006 box, and nothing since. I have been paying it since, until recently when I got into bother again, but I hope to have it done and dusted by xmas. When does the default leave my credit file? 6…
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Bailiff Help Bristow and Sutor
Had a visit from Bristow and Sutor 9 days ago for this years council tax 2010-2011 I wasn't in and they charged me £180 for a Van a levy Fee of £56 and a redemption of goods fee for £24.50 on my father in laws car that was parked on the drive They wont come to an agreement I had to borrow £600 and Ive got to pay £250 a…
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A quick Roxburghe/3g Thread
Hi All, I've read most of the Roxburghe/3 related threads on these forums and have a good idea of what they're up to. I too had a contract with Hutchison 3G in 2004 that was nothing but trouble, blocking me from making calls because of a mistake they made, poor service, faulty handset etc. I must have called them a hundred…
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Thanks DFW's
Hi all, don't post as much as I should on here, considering how much advice and tips I take from here. Currently on a week off from work and I've done a job I should of done ages ago... set up a new current account. I went through all the posts and views on here, and opted to go with Natwest, was going to go with the step…
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Paying off an overdraft
My student overdraft has been ignored for far too long so I went into my bank to discuss the best way to pay it off. I suggested that I would liek to pay off £150 every month until it was closed by either calling up or coming into branch on or around payday to say 'please close my overdraft my £150'. I was informed that if…
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Help! Should i get a loan and condense debt?
Hi Myself and my husband currently have a total of just under £11000 worth of debt. This is spread over a loan and an account in its overdraft (in my husbands name) and 4 credit cards in my name. 3 of the 4 credit cards are either no or very low interest and because the loan asn't paid as per the agreement we are paying…
