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Nationwide Charges Help
I hope this is the right place to post. I have just returned from my local branch after attempting to close my account with them only to be told that there are charges to be added to my account due to unauthorised overdraft use, and until these have been cleared I cannot close my account. He is the story. Last week I…
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Lowell Chasing Freemans Debt
Afternoon all This morning my wife received a letter from Lowells demanding payment of £500+ for a Freemans Catalogue debt which is not hers. We lived in a flat with a shared access which we moved out of in 2004. Within a few months (when she applied for a loan) it transpired that accounts with mail order companies were…
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WOT??? No Daily Chat Tues 21 Sept!!
Jut came on for my lunch time fix of chat but its nowhere to be found. Hope everyone is busy doing stuff and there is nothing wrong? Have a good day all.
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anglian water bill from 2006
I have just recieved an anglian water bill for a property i lived in in 2006 for 5 months. the letter only gives the address and the amount I am meant to owe, it doesnt show any dates. I am so sure everything was paid up on this account yet they say I owe £70.22. Am aslo a bit miffed as its been so long! Can I ask them to…
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Please Help Freezing Interest
Hi, Any help you could offer would be great! About 10 months ago I set up an arrangement with the CCCS to pay my creditors a reduced monthly fee. I was of the understanding that the CCCS would arrange for the interest to be frozen on my loans and credit cards, It transpires that this hasn't happened and the banks have…
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I have not read any worse than this!
OK, before I start my tale of woe I think I should give some background. I should also state that I am not looking to avoid blame for my situation and have certainly been guilty of stupid, no hang on, "bl**dy ridiculous" spending habits in the past. The daft spending was when the money was rolling in but we always bought…
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Starting to Panic now ??
I am a newbie and have written to all of my CC companies to ask them to freeze interest & accept reduced payments I am in discussion with them. I have my bank account with HSBC who I have a £ 8k loan with & £ 1300 o/d that I use every month and soemtimes go over. I haven't written to HSBC yet as I have only today managed…
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Do I need to send letter to stop doorstep calls to DCA if already sent to debtor?
I've already sent the following letter to Barclaycard but I've been sent a letter by Mercers DCA threatening me with a visit from a "local debt collector" at my home address. Do I need to send Mercers a copy of this letter too to avoid them visiting or not?
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Completely and Utterly Depressed - Fed Up Of It All!
Hi All, Well I've been mooching about these boards for a while and you'll see by my post count I've posted a few times but not often. My DH and I are currently entering into an IVA with Grant Thornton. I've been struggling and carrying the weight of our debt for about 5 years. Quality of life is non existent and my health…
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Paying Off Credit Cards
Embarrisingly, after telling a friend there must be a way for him to reduce the rates he's paying on three credit cards, I've struggled to find it on the site myself, so here I am. In essence, he's working and earning OK money, but has £25k loans/credit cards to pay off. He's been using a debt company to manage payments…
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Clear Natwest Default by offereing FULL payment INC charges
VEry long story but one I have read many times before. * Wife and I had joint account that was dormant, we moved home. * Wife used dormant account nearly to limit, * Wife paid into account cleared balance, * Natwest debited interest which sent it overdrawn * Despite being advised of address change they consistently wrote…
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Need to pay CCJ by Friday but I have no money
I have fallen behind on payments for a course I was studying and last week I got a letter from a solicitors asking for my overdue installment or the full amount would be enforceable within 7 days. I sent a cheque but not in time and now I have a letter from the court saying I must pay £222.25 by 24/09/2010. If I do not pay…
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Tesco default letter - help!
Yesterday I received a notice from Tesco that if I don't pay my arrears by 2nd October they will terminate the agreement and reclaim the money in full (which obviously I don't have). I have written to them 3 times in the past 2 months explaining that we're having difficulties and offering token payments of £10 each - then…
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Tues 21st Sept - What small DFW things will you be doing 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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Advise/Help Wanted
Hi all, Im having a few issue issue paying off depts, not having been in dept before or knowing anyone that has/is (not being stuck up its just its not been something ive ever had to think about =P) would like to get some advise as its starting to bother me. Ive read a few of the stickies so here goes with all the info:…
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Completing a SOA
My wife is on maternity leave, so I am going to compile an SOA as a budgeting exercise.....to see what income she might need to get on her return to work. :( Is the a guide as to what you would expect to put in the expenses? Things such as clothing, etc. Cheers
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Help
I have received today a letter saying I owe some money to a company, the company in question I have not spoken to since 2003 after paying off an ex's account. Does anyone know if I have to pay this or am I being scared into paying money that I believe I don't owe. Any comments would be very much appreciated
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HELP needed.
I have just under £2000 worth of debt. with natwest, halifax, littlewoods store card, capital one. I have been paying of my debts using Debtline.org - i thought they had it all sorted out, but recently after paying them £120 (£30 of which they keep for fees) for the last 6 months have realised that they are no good. Which…
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Advice please on CCCS and DMPs?
I have recently set up a DMP with CCCS, having finding myself living on my own again after a relationship breakup and moving back to my house it has become more and more difficult to manage finances and I just felt I was juggling it all about but getting nowhere, so I finally decided to try and get my life in order spent a…
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Life Insurance
Hi Your Opinion please I'm currentky paying £33pm critical illness. I took this when my children were quite young as I was terrified of getting cancer. (I lost 3 close family members and 2 close friends to this within the space of 18 months!) However my children are now adults and long flown the nest. I'm 53 I start a new…
