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Is this enough of a statement from MBNA ot third party om their behalf!
After a struggle I have negotiated a reduction down to approx 35% of the full amount owing on a credit card from MBNA. They have transfered the account on to a third party who appear to work on their behalf rather than owe the debt in this instance. Can anybody advice if the following statement in their letter satisfy that…
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Yay!
Well, I have CLEARED my Egg credit card!!!! Over the moon to finally feel like I am getting somewhere with this. It felt so good to email them and ask them to close my account!! Next target is to clear my HBOS card by the end of the year and then tackle the last one (which I will hopefully be able to balance transfer at…
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paying off finance
i have been approached by clearview and also a company who can supposedly pay off my credit card due to changes it law and legislation which optiion do i go for?????
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Barclaycard help needed
Hi all on 28th april i got a letter from buchananclark+wells addressed to me at my parents address asking me for £2552.48 for a barclay card i had many years ago which i thought i had cleared. it was only £400 credit limit so how that gets to £2500 i have no idea. But i have just recieved a letter from mackenzie hall at my…
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Debt Management Companies
Hi all I was just wondering based on people's experiences, what do Debt Management companies usually charge for their services? I have spoken to Money Managers UK today, and they have advised they normally charge £10.00 per creditor. Which, for me, would be £30.00 per month. As I thinking initially that I would be able to…
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Please help with debt advice
My son has a good job, but he has made some mistakes in the past and is now in some debt. He looked in to an IVA, but was under the limit (just), the firm he went to offered to take all is debt and pay it, then he pays them over 3 years. They are charging him £40 a month for this. Please can someone advise me is this the…
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Secured loan help please!
Just a quick question, my husband has a mortgage with the Abbey national, and stupidly we took out a secured loan with first plus about 5 years ago. The first plus loan is joint, but i am not on the mortgage for the house. We are struggling with the payment and have had the usual threats, but i just wondered how it would…
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will credit card company make me bankrupt
Hi everyone I owe £20,000 in credit cards and I have not been able to pay these for months now I have had a reduction of hours at work will credit card company make me bankrupt I have a joint mortgage any advice both credit card companies have closed my accounts and they are being dealt with by in house DCA. Thanks
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Yellow card from Allied International Credit- HELP!!!
Hi Firstly, thank you for taking the time to read this. Well, I after I graduated from uni, I took out a Graduate loan with HSBC. I found it very difficult to get a job, and as a result I ended up defaulting on my payments. Stupidly, I failed to try and make contact with them when I started to get to get on my feet with a…
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Help reducing outgoings
Hi there, I'm hoping ome of you could give me a hand identifying where I can make some savings in my outgoings. A little background first: We've got a new baby, and my OH is now not working at all & won't be for some time (her employer has made it impossible to return, although nothing illegal). I'm now the sole earner,…
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Help needed - student debt
I am currently trying to clear the last of my remaining debt and am in need of some help. My situation is this – I graduated 2 years ago and a currently undertaking a (low) paid internship to try and get the experience I need to progress in my chosen career path. I took this after a period of 8 months unemployed, bar 3…
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Template Letter Advice
I am currently on a DMP and would like to take over the management of this myself, is there a template letter on MSE to send asking the companies I owe if they will deal with a self managed DMP? Sorry if this is posted in the wrong place wasnt sure where to ask my question
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help needed please
firsty great site guys. My problem is the dreaded debt collection carry on. In 2004 i went off travelling but forgot to cancel my 02 contract. Eventually a bill for 135 appeared recently from a debt firm in relation to the 135. I done a credit check and agree i owe it. But i wrote a letter asking for proof. Just to make…
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How to cut water bill?
Any ideas on how I can get my water bill down? Its horendously high - am in an area which charges a high rate anyway. I love having a bath, but guess that has to go;) What else can I do?
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Termination of HP Agreement - Black Horse
Hello I was wondering if somebody could please help! I have received a Notification of HP Agreement with Black Horse, which is fine as I can not afford to keep the car (long story but I foolishly took out a HP Agreement for him and now he has stopped paying). I have the car however, this is not tax or insured (it is…
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A little bit of advice please!
Hi all, Current debt situation: Credit Cards: £5,616 with Barclaycard - Annual APR 14.90% £2,486 with CitiCard - Annual APR for the life of the balance 3.90% Loan: £25,416 with Birmingham Midshires - £159 a month (6.45% fixed until September 2012) Mortgage: £79,456 with Birmingham Midshires - £491 a month (6.45% fixed…
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need some help please
Hubby and i are both in work - i work 35 hours a week as a medical secretary earning £8.75 an hour. Hubby works as a security guard doing any number of hours a week but generally currently around 36 1/2 hours on £6.25. He doesn't drive so has to either get lifts from myself or one of our parents to get to one site he works…
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Statute Barred - Evidence of contact?
Hi, I'm currently in dispute with HSL regarding an old (mortgage style) student loan. I believed that the debt was statute barred & sent the appropriate letter about a month ago. I've just received a reply from them saying that I wrote to them in August 2007 offering to pay a reduced rate. They say that they entered the…
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Go away Frederickson International!
Hi, I was getting lots of phone calls from a company called 'Frederickson International' regarding a debt relating to someone I have never heard of. Nor has this person ever lived at my address. I explained this to the operator and they agreed to pursue other lines of enquiry, however about two weeks later they still kept…
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Credits Card Out of Control
Hi I'm looking for a bit of advice and support from you! I have a massive credit card debt, and tho i'm not yet in arrears I can no longer afford to pay the minimum monthly payment. I have had advice today from one of the councellors by PM and I am going to contact them to take things forward. What I would like to know is…
