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Some Financial Advice?
I was wondering if anyone could give me some advice. I have a student overdraft of £2000. I no longer use the account and I do intend on paying it off and closing the account. It has been interest-free for 5 years and to be honest I'd kind of put it to the back of my mind. But now I'm no longer a student. They've written…
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Need to sell house to get out of this mess - advice sought!!!
Hi all I am in a bit of a predicament at the moment. I've recently split up and been left with the house and the debt. Everything is mine. But the house is in a bad state of repair and needs around £2000 spent on it to get it sellable. I am paying over £500 per month on unsecured debt at the moment with a few balances…
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What effects do defaults/bad history have with lenders long term?
Hi. Lets say ive defaulted with Lloyds, Ulster bank and Capital 1 on credit card debts, what are the chances i'd ever get any credit with these or there related companies ever again?. I wont be going near Cap 1 again but say I want a mortgage in 10 years with a company in the Lloyds or Ulster group, are they going to turn…
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Rock Bottom - Near £30k of Debt - Now to Tackle it
Hi all..... I have been a member of the excellent site for quite some time but never posted anything. As the title shows, I have eventually accepted that I have serious debt problems - but now I am determined to face up to it and most importantly try to tackle it. It was on Thursday night that I eventually hit "rock…
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please help....dunno what to do anymore
Hi please can you give me some advice... I am been thinking about a DMP for a while now...my husband lost his job last year and we have struggled through on my wage...I was undecided about entering into a plan because of the impact it would have on my credit file and because I still have 2 joint loans with my…
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Capital One who to write to ?
Help, Im fed up writing to Cap one and not getting replies , yet when you call them they seem to have the letters ???? anyway . Can someone provide me with the Chairman or Managing directors name so that I will copy them in to my latest letter ? PS ive trued the Executive Office address to no avail . ! Thanks in advance
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MacKenzie Hall not replying to letters
Hello... I sent the statue barred letter from here to Mackenzie Hall and have had no reply from them, I thought under normal rules they had 14 days to reply? they signed for the letter on 11/06/10, even 14 week days is the 27/06/10 and here we are on the 3/7/10 with no reply from them... Do I just hang tight? Cheers
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Overdraft - pay it back?!
Hi....we've just received a letter for an old account that is apparently now over £3000 overdrawn!!!!!!!!!!!!! We haven't used this account in well over six years, they've never chased us for it and it's never appeared on our credit rating....can we still be chased by this as the letter states that the debt has NOW been…
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Warm n sticky! (The weekend DC that is...)
Morning all,as it says on the tin, it's a warm n sticky weekend in progress here.........what are we all doing then??
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Sat/Sun 3rd/4th 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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Is it really 11yrs before I can get any credit again if I do any kinda payment plan??
I'm in the early stages of sorting my finances so I don't know if I qualify for an IVA or any other sort of payment plan but I just wondered if it takes 5yrs to pay off a plan and then 6yrs to clear my credit history can I not get any sort of credit until then??? ...or doesn't it quite work that way? I'm not planning on…
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small loan?
i currently owe £1500 on credit cards and £800 overdraft. i'd like to pay these off asap. is it worth taking out a small loan or should i get another credit card to pay it all off? many thanks
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Time to get sorted
Hi, have never posted here before but have been reading other posts and have decided I really need to get sorted. After doing the SOA below I REALLY need to get sorted!! I have just realised that if interest rates go up (which obv they will) and OH's sister asks for her money we are screwed, so while we are coping at the…
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Help I need some advice
I recently recieved a letter from capquest debt recovery saying that I had an outstanding debt with natwest bank, the debt they say I have is nearly £6500, I have no recollection of this debt and there is nothing on my credit files ( I have checked experian and equifax within the last month ) The letter also states that…
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Apex Discovery Solutions - Please Help!
Hey everyone... Im hoping someone can give me advice on what this is - or what these people might want!?!.... Basically in the past I have been in a lot of debt - mainly from when I was at uni. However over the past few years I have paid this all off to the best of my knowledge... I have worked really hard to do this as…
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Please Help! I need a loan ASAP but dont know where to turn.
Quite some time ago i took out a Payday Loan from a company called Wonga. It started out small but has now escalated to around £1200 (the same as my month income). It may seem silly but it was just a vicious cycle that i now cant get out of. My main problem though is that my mum and sister gave me permission to take a few…
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funding corporation - paying off
hi my dh has 9 months remaining on a personal loan with the funding corporation. he rang up this week to get an early settlement figure. the figure he got was actually more than if he just let the loan run it's course for the next 9 months. thinking this was odd he asked if the final payment was a larger payment than the…
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can I open an account for my son??
Hi!! Hope someone can help!! My son has come home from school today with an application form for the school bank. But because he is under seven it will have to be run by me, it will be in his name but will also have my name on it. My question is will I be able to open an account for him as I am on a dmp?? I was just going…
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MacKenzie Hall
Sorry a long one: In mid May I sent the following letter to the infamous MacKenzie Hall: Disputed amount outstanding I acknowledge no debt to your company nor to Black Horse. As advised repeatedly I have referred my dispute with Black Horse to the Financial Services Ombudsman. I understand that the Office of Fair Trading…
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Can anyone offer me some advice to get rid of my graduate overdraft?
Here's my situation. I graduated from University two years ago and have a Lloyds graduate account. I don't have any debt (apart from the student loan but i'm ignoring that...) but have a £2000 over draft which I live off. I am always at the bottom end of it and want to get rid of it. However, when I get paid, I spend it…
