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offer from Halifax
Hi Halifax rang yesterday and offered to clear approx £50000 of debt for a payment of approx £15000. If only I could raise the money , :cry: No way of doing at all relatives poor , but maybe next year G
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Big life change
Hello everyone - just wanted to introduce myself. I finally took the step of really looking at my debts last night and also doing a budget and I really have got no excuse but to start paying these off. I have been spending up to the bottom of by overdraft each month by far too much going out, shopping and by spending £140…
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How do you keep it together when in debt?
I am two months into token payments at the moment with a view to starting a dmp. I have a joibt account with my husband who is trying to raise money to pay off the overdraft so it does not have to be included in the dmp. This is taking longer than we thought. I have been away from home for ten days and came home to a…
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31k and wanting to go bankrupt
Hi all, been lurking for awhile and looking for some help. right the situation. during my marriage my now ex wife and I were out of work for awhile and knocked up 31k of debt. most of this is in my name and she wont except any liability for any of this, she has taken one which is in the joint name for 5k. I've been living…
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Do i pay it???
Hey guys hope u can help!!! I had an account with Shop Direct which i stupidly forgot about and when i tried to get it in order it was too late and the debt had been passed on. I had received a lot of charges on the account so had sent the letters from this site and then received a statement from Shop Direct which showed…
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Clearing my credit score
I had a bank account at uni which i failed to pay off so the debt went to a debt collection agency (buchanan clark and wells) who contacted me to recover the debt the total was £1100 but they said if i paid a one off payment of £780 they would close the account which is what i did. Now i find that the difference between…
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Council tax bill after 10 years
This week i recieved a liability order related to council tax from 2000/2010- this is the first ive heard of it. the woman at the end of the phone could not locate any correspondance related to it on her system- what should i do? Can they still claim it back eben after all this time if it is legitimate which i seriously…
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Self Employed and majorly struggling to manage my money!
Hi Guys I was just wondering if anybody knew of any resources for self employed people and managing their money - I'm finding the MSE stuff hard to implement because quite often the business accounts are such a mess that I just take bits here and there to survive on and my bills are getting really really behind despite me…
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Does she need to pay?
Hi Guys I'm looking for advice on behalf of my mother. She received a call yesterday from united utilities telling her that she owed over £500 from a previous address in the year 2000. She moved from this address around 5 years ago and now lives with my grandparents so I'm unsure how they've managed to get hold of her.…
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Urgent advice needed - 'Final' bill from old address
Hi all No luck in the water forum so thought I would post here... Am very worried and hoping someone can give me some advice... Checked my credit report and there was a search from a debt search agency, phoned up to see more about it and turns out it was done on behalf of Southern Water. They told me the address it was in…
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Am I doing anything Illegal?
I am a bit worried as I have opened a Nationwide Flex accout as a safe account whilst I repay my debts. I have 5 creditors and I have had to offer a much reduced monthly payment following advice from CCCS, which have all been agreed for 6 months. I have been upto date with everything till end July this year. When I…
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Over the halfway mark, need advice on what to do next
Hi everyone, I'm a long time site user but a forum noob (previously lurker). I was hoping I could pick the collective brains here on some advice on where to go next in my quest to be debt free. Whilst at uni I was quite frugal and only started to get into debt when I started working 6 years ago. The seduction of having a…
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Stuck in a rut.
Hi, Longtime browser first time poster, ill tell you a little about myself then my problems. Me and my girlfriend bought our first house together in December 09 after renting for a year, Everything was fine until after Xmas i got laid off.In the period of being out of work (Ive had bits and bats but cant seem to nail a…
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Payday loans.....help
How do I stop 4 payday loans taking full amount out of my bank account on my payday????...I stupidly :mad: took these loans out 6 months ago and have tried paying them off but only paid interest, Im now in DMP and need to stop them taking full amount out of my bank, I've wrote to them /emailed them my situation and all 4…
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Pay default or wait until statute barred?
Hi Everyone, After searching the internet for answers i still have no idea what to do about a debt I have, I'm hoping you guys may be able to help... I have a debt that will become statute barred from July 2012, but wish to pay it in full as have the money to do so now. If I do pay it off will it start the clock and remain…
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capquest or capitalone
This question has probably been answered quite afew times but i can't find any relevant posts about this. I've been in communication with capitalone regularly over my credit card but this week capquest have sent a letter asking me to call them. I've decided to cca them but who do i send the letter to capquest or…
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Credit Report - No Bank acc
Hi all I was wondering if there was a way to get a free credit report even though I dont have a bank account every site I try asks me for bank card details ?
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Help! Debt Advice.
Hi Guys, I was wondering if any of you could help me out by confirming something. I am currently in my second period of long unemployment in the last 3 years, as a result I have had problems paying off a few of my debts. I have managed to pay off about £2000 I owed on credit cards through brief periods of employment, but…
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churchwood financial
could anyone tell me i am currently with churchwood financial and have had a rought tme with them a couple of months ago down to an error on their part, but is it true they are now under investigation because of there handling of situations, thanks
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How to find my debts and clear them
Hi all, I have in the past missed payments and been passed onto debt collection agencies, I setup a plan with debtline where I pay them a set amout each month and they pay all my debters an agreed payment, I dont have any bank accounts apart from a joint savings account with my partner, I tried opening a cash account with…
