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Re: what to do
Hiya I was recommended to post here: My boyfriend recently dropped a bombshell that he owes a lot on credit cards: £4400 on one £6300 on another I am so stunned. I know he has some savings but they are locked for a few years. However that isn't enough to clear the debt. They are both on zero % cards. He gets £1700 after…
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Change of circumstance
My husband and I have debts with a number of debt management companies that were being paid back at an agreed rate. However, my husband is now unemployed and we are unable to meet these payments. Can anyone suggest what our next course of action should be?
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Joint bank account with ex Husband
I have a joint bank account with my ex husband (Lloyds TSB). Me and my husband had an overdraft of £600. We separated in August 2006 and i notified the bank of the separation and stopped my salary going in and anything coming out of the account. My husband agreed to pay £20 a month, but stopped paying this. I was informed…
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creditors and DMP's
Obviously reading this site it appears that DMP's have been around for a while now. It also appears that some creditors are still not on board with them. Just wondering whether the banking/credit card industry is now on board with these plans and see the benefit of them.
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CCJ set aside are we still liable for costs?
Hi there i am wondering if anyone can help us. Rather long story will try and be brief :) We live in a freehold property but due to a dubious planning application in 1989 we have to pay a private management company to maintain the public land surrounding our home, this amounts to around 223 pounds a year. in 2009 we fell…
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Clearing Half of a Joint Debt
Hi, Hoping someone may be able to offer me some good advice about an account I have with a collection company called DLC. To cut a long story short, myself and my ex partner ran up debt a good few years back and DLC bought this debt from Barclays and took over the account. This is a joint debt in both of our names. It was…
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Debt Management not being Managed!!
I have been with a debt management company since early in 2008 and up until June this year, there were still some of my Creditors not being paid. I had to do alot of chasing to get things moving and now, over two and a half years later there is still one creditor that remains unpaid. When I went onto the debt management…
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Hsbc scare !!
Hi all, I spoke to Hsbc last week and sorted out my bank loan 3 months in arrears ! I paid one month off there and then and agreed to set up a standing order to resume my monthly payments and they would add 2 months payments on the end to account for the arrears !If I honoured my payments which I will. But just had call…
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Difference between partially settled and fully settled?
Hi Does paying off my partially settled default to fully settled have a big influence on credit score? Thanks
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Anyone had issued with Littlewoods payments this weekend?
Didn't know which forum this would be best posted in but figured I would try my luck in here! My sister paid her Littlewoods account on Saturday, the money came out of her bank and is showing as a credit on her Littlewoods online statement. Today, the money has appeared back in her bank account! Anyone had any issues like…
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In Need of A Car
Hi I am looking for advise on how to obtain a car, I work 3 bus rides away from work and my current vehicle has failed MOT and is worthless ! I have the worst credit rating possible and have no family or freinds I can borrow off. I have considered leasing but this again looks impossible with a bad credit rating and those…
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Fredrickson International Ltd.
Hi, some years ago my girlfriend received a couple of letters, she can't remember who from, saying she owed £73.63 as she had been overpaid for her jobseekers allowance. The last letter was approx 3 years ago. She has now received another letter about it from Fredrickson International Ltd. saying they have been instructed…
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Need advice about Beneficial finance/HFC
Hi everyone In a bit of a panic I have a flexible loan account with HFC/Beneficial Finance. Total of £1800. I have fallen behind with my payments which are usually £60 per month. I am currently £120 in arrears now they wont help me. I want to pay but can possibly give them the £120 at the moment I can barely afford to keep…
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EQUITA, council tax and my car
HI I am having problems with EQuita. I had apayment plan in place and then i got made redundant and missed some payments. they are refusing to reduce or sety up a new payment plan. I know to not let them entry to my property thats fine. but can someone tell me where i nstand on my car? I need it for work. i have business…
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Debt Free Diaries - the book
Please see this thread in the diaries section https://forums.moneysavingexpert.com/discussion/comment/37049296#Comment_37049296 And please respond there (not here) :)
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Redundancy received - pay off mortgage or not?
I have recently been made redundant and have £100k capital. My outstanding mortgage is £69k (monthly payment £690) with 8 years remaining. Should I pay this off? or is there a high interest account available to invest the £100k that will achieve a decent monthly/annual return to pay the monthly installments, still leaving…
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Cashplus securecode
I've recently got one of these cards and pay the monthly fee and so far so good but i'd like to now purchase one or two things online but there's no mention on the Cashplus website or UK Mastercard website that the APS cashplus card can 'do' securecode but if you go to the US Mastercard site..…
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Letter to creditors when setting up DMP
Hi All I had a PM today from a forum member asking what I wrote in my letters to my creditors when setting up my DMP. As this was a Q and A I thought would benefit a few people I'll post my answer here. Before you send anything follow these rules also when posting letters to creditors: 1) Send everything recorded delivery.…
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Can't decide which is best - some advice please?
Good afternoon everyone, I've been hanging around here for a while, and I've managed to get most things under control after reading the advice given by the wonderful people on these forums. :cool: The last month has been a bit hairy, but it should settle down again now. I should have about £150 spare each month from now…
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Omg should I do this???
Hi, i have been umming and ahhing over doin a dmp over the last few months and yesterday I contacted payplan and have an interview with them today at 2. Basically I have approx £33K of unsecured debts made up fro 2 loans with santander, 3 od with santander 2 x barclaycards mbna and 2 store cards. I spoke with others on the…
