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Woohoo....I won some money!
When the world cup started, a guy at work was selling an envelope for a fiver with a team inside - I got Holland and won £40!......would have been £80 if the blinkin' Spanish hadn't scored..ah well, can't grumble! :D
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Aktiv Kapital
Has anyone ever heard of this company! My husband has recieved a letter from them saying that he owes Barclays £241, but if he pays it within 14 days they will reduce the amount to £167. He hasnt held a Barclays bank account since he was 18 years old, hes always banked with Lloyds, until we go married last year and I…
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Notice of Correction
Hi I'm new to this site after reading on here for a while. I am considering putting a notice of correction on my credit file. My husband and I seperated almost 2 yrs ago, we have a joint loan where I have been paying reduced payments but did stick to my payment plan but as its fallen behind its now registered a default. My…
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Looking for Advice......
Hi, I am looking for advice on my current situation. I have keep my card and overdraft issues hidden from my partner for the last 5 years. Over this time it has increasing got more and more out of control. I have moved the card balance to serveral cards and kept spending on it thinking that i will evently pay it…
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Help please!
Hi Please can anyone offer me some advice. I have been a lurker on these boards for some time looking for ideas but have finally bitten the bullet and posted my own SOA. I am sure you will want more details but this is just the first draft. Basically i am in a lot of debt, mainly on credit cards and couple of bank loans…
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Help.considering DMP.have just read this!!
Could your credit card cost you your home? Credit Cards, Debt, Loans Jun 30, 2009 Many of us have unsecured debt on credit cards and loans that we are trying to pay off. But did you know you could face repossession over them? Yes, worryingly, those of you who have fallen behind on repayments on your unsecured debts face…
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Can anyone offer any advice please??
Hi!! I've been on a dmp wit the cccs since december, everythings going ok though I think I may have been a bit tight with my budget, we've been managing but only just! I know I could have asked for a review but really didn't want to upset my creditors when things have finally gone quiet! The thing is now I have been…
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where do I go from here? :-(
For the last year or so I've been doing my own DMP - paying my creditors £5, £10 etc every month. I've spoken to Payplan and CCCS who won't do a DMP for me as my debts are less than £5k. They have both said do token payments of £1, but this is never going to get me anywhere? Anyway I nipped to the shop on my way home to…
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Bankruptcy Map of UK Revealed
Not sure if this is the right place to post or not but there is some really interesting info just published on where most bankruptcies occur: "The insolvency map, compiled by the insolvency trade body R3, shows the number of new bankruptcies and Individual Voluntary Arrangements (IVAs) that occurred in England and Wales…
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Need to do something ASAP!
I'll try and keep this short.. My income has just been cut from over £200 a week to now just £30. this is temporary for around 6 weeks until a decision is made (tax credits).. I have no clue how i will manage now as i have all the regular bills and things i need to pay but have no money to pay with. I have a loan payment…
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effect on my credit rating
Hi All i have a hp agreement which i missed a few payments on but im working hard to pay to back. im over paying by about £50 a month, but can afford to pay more (at a push) in order to have it paid on time (ie by the end of the original agreement had it been adhered to) woudl this be better for my credit rating? im trying…
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Happy 100th Birthday DVardysShadow
Seeing as it is such landmark birthday I thought it was worth making a new thread for!! Must say you are doing very well for someone of 100!! :rotfl:
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Just had a phone call from Fairfax Solicitors
After a few weeks of them having this horrible "we dont care if you owe the debt or not, just pay up" attitude - i sent them a no nonsense letter last week. Just had a phone call from them to say the account is being passed back to their client :D Next :p
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Credit Card repayments
Hi, I have got myselft into about £5000 of debt after losing my job late last year. I was hoping work would come but sadly it hasnt and I have just ended up putting more and more on credit. Anyway, it is coming to a head a bit as I am running out of places to find cash to make the repayments. I have heard that its possible…
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End of loan contract
Hi everyone, could anybody help shed some light on this please? I spoke to the DCA today as part of our regular contact. As I have done before explained that I would be keen to make a F+F settlement, but would have to borrow the money (likely from a family member, with interest) to do so. They confirmed my outstanding…
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Newbie - moving and debt
Hello All, Im not sure if this is where I should be posting, but I am finding this forum a bit confusing :) I just need a little bit of advice... I am about to move cities to live with my boyfriend and although I have a new job, its going to pay be considerably less than what I am on now. I have about 25K worth of debts on…
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Littlewoods claiming I owe them money!
Just a quick question. Over the last few months I've had 2 or 3 letters from Littlewoods saying that I owe them over £400. The last time I had anything to do with Litlewoods was back in about 2000 - 2001 when I had a Littlewoods catalogue. I ordered a few things from it (a couple of skateboards, some crockery, etc) but…
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The debt free feeling?
Lurked this board for years, it has been a true source of inspiration. It has also been a frightening reality check at times. I have been carrying £15k+ of student debt (Career Development Loan & Overdrafts) since leaving uni in 2007. Next months pay should see me in the black. I cannot wait for the debt free feeling but…
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Self Negotiation vs DAS (Scotland) or DMP for £29k Debt
A background to my situation can be found here: https://forums.moneysavingexpert.com/discussion/2574567 I'll attached a statement of affairs after it. Basically I am not sure if I should continue with self negotaiation or look for a DAS (Debt Arrangement Scheme) which is a protected Scottish Debt Management Plan to sort…
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Time to manage my debts
Hello all, Been seperated for 4 years and have had to manage 2 homes which meant i have to take out 2 mortgages. This have meant my finances have been out of control. I have now decided to confront it and become debt free. I have in the last week sold the house i live in at a loss and moved into a houseshare where i don't…
