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advice
my husband left me 8 months ago and is paying nothing to our debt or mortgage! he is going bankrupt my question is should i fight for my house or go home and go bankrupt?? My outgoings are 1715 a month inc everything but not paying anything to th £46K debt i have i have 1 lodger could look for another but have no work as…
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What to do for the best
Hello I need a bit of advice, my dad passed away last week leaving about £24K of debt, now i realise that they can claim from his estate, but he has no savings in his name, my mum has always been the saver and any money is in her name, (he was a gambler that is why he has the debt) the house is also in her name, but can…
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Equita Bailiffs
Writing this on behalf of a friend of mine. He has had contact from Equita Bailiffs regarding an unpaid from a unpaid car fine from along time go. On the 8/9 he got a letter and we called him to tell him we'll sort it and pay them £5 a month because thats all he can afford due to being employed. Today, again, at this…
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Global Debt Recovery, my mum getting letters\hassled over another persons debt
Now here is something I hope some can help with as it's worrying my mum quite a bit. Firstly She has recently received 2 letters from a company called Tower Invertigations asking a person of the same surname as my mum (but someone else of the first name) to contact them about an investigation. My mum contacted me to ask…
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tracing loans on a property
is there any website that tracks loans secured on a home or credit rating of a property? preferably a free service. :D
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Surely they can't do this?!
Sorry if this is in the wrong place, but need some advice. Since my OH passed away our daughter has got into a dreadful financial mess as she can't work due to depression. To cut a long story short, she has been unable to pay her car finance, the finance company refused poi9nt blank to allow her to make reduced payments,…
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Mackenzie Hall
Hi I am new to this forum and hope that someone may be able to help. 2 weeks ago i recieved what i believe to be the standard Mackenzie Hall letter, in my maiden name asking me to call (did not say why). After calling them i was told i owe £314.32 from an old BHS store card taken out in 2003. My apparent debt was passed on…
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£150 "spare" cash, save or use for debt?
I rent a flat out, the mortgage is interest only and on the standard variable rate so at the moment I am making about £150 a month from it. It is run in a seperate bank account and I don't touch it usually, apart from having to spend all the savings in there on a new boiler recently. My question is I have now got £200…
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Help me laugh at this
I've been lurking for a while and at the weekend decided to grab the bull by the horns, join the site and rein our spending in as a family. We don't owe massive amounts (about 17,000) in total and have the income to pay it off in the next couple of years but.. only if we stop spending beyond our means . So this morning I…
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Hsbc
Hello all, I joined here aaggees ago and more a lurker at the moment, so hello! A bit of advice/thoughts please. I rang HSBC to inform them that my circumstances have changed (i no longer work as I stay at home to look after my son) and that I wont be able to pay as much for my personal loan as we only have 1 income. The…
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Please help MSE test NEW tool: Find your house price in 1991
See this thread for details https://forums.moneysavingexpert.com/discussion/comment/36783576#Comment_36783576 (PS. please reply there not here) Thanks!
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Tesco Credit Card Default
Hi I'm currently on a DMP, I'm paying Tesco repayments each month. I've just had a copy of my credit report and it shows Tesco registered a default some months ago, can't recall but at least 9 months ago, and then each month after registered the default. Is this classed as 1 or multiple defaults? They are still taking the…
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Is it safe to try and open a normal account?
Hi, I opened up a basic account with Santander and Natwest about 3 months ago and have since found it a bit of a hassle with no cheque book. Paying for kids school trips and bits of kit for odd amounts is tricky. I have yet to start a DMP so I've probably got several late payment markers but no defaults yet on my credit…
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Debt Management Plan - Advise Please
Hi all, please could someone tell me the pros and cons for using a debt management company to help me get out the horrid hole I am in at the minute. I have never used one and been trying to tackle the problem myself using citizens advice and contacting my creditors direct, Egg are proving to be unhelpful and telling me I…
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Defaults & Searches - why recorded twice?
Hi guys, Not sure if this is in the right place or not, but I have recently got a copy of my Experian credit file to see what was on there. To my horror, it seems that 5 companies have registered the same default against me twice (the entry numbers for each are different)....4 years ago I got into trouble as I had a bad…
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Harrington Brooks - Leave me alone!!!!!
sorry really need to rant we are now going through CCCS to set up a DMP not started yet as needed to change bank accounts, however it is the process. Anyway about 8 weeks ago when i started looking it to things i put details on some web site enquiry thingy and these harassing people called Harrington Brooks keep phoning me…
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Payment of debts whilst on benefits.
hi there, I am posting this for a friend who has no access to the internet or a laptop. She is a lone parent on Income support for herself and tax credits for her children. She has debts of approximatley £1600 from credit cards. she no longer uses any of them and hasnt done so for a long time. She has arranged with the…
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List of Challenges 2011
Marru has been doing a great job of keeping this list updated for the past 2years but has asked for someone else to take on the job. Below is a quote from the original post And a link to the old thread List of challenges 2010 CHALLENGES This is a list of the current challenges. Please feel free to join in with any you…
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Surprise to find a ccj
Can anyone help me out here, if you have recevied a ccj doesn't it get recorded and held on file for 6/7 years with credit agencies??? I thought so... So today when I get told by Next I am not able to order on my credit account I go and search both equifax and experian only to dig deep and find out that a settled debt…
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Not sure what to do...all advice welcome!
Hi, I'm new on here and looking for some advice on my financial debt situation. Long story short I have an unsecured personal loan with HSBC, outstanding balance of £27465.90 with 77 remaining monthly payments of £356.70. My bank account that I have my salary and direct debits paid in/out is with HSBC, there is a £500…
