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Arrow Global/MBNA Enforcable Debt?
I ran into financial difficulties when I lost my business of 28 years in 2005, I have since lost my home, my only source of income and suffered a breakdown. After 3 years out of work, I now have a low paid p/t job and live in rented accomodation I'm only just beginning to feel healthy again. I have just recently checked my…
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Cabot/Sainsburys CCA reply not making sense
I've sent Cabot a CCA request and then the reminder which runs out on Monday. Today I get a load of cr*p from them which was a covering letter stating that they had now complied with my request and therefore were able to enforce the debt and yet another different balance amount (every letter I've had has been…
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In need of advise with large debt
Hello, I rented my house 7 months ago, Moved to France for new life. Now the tenant owes me 2 months rent, I have credit card debts of 15,000 of which the renting of my home paid for. Bank account now in arrears of 160.00 because of failed direct debits. (due to loss of rent) I have cancelled all my direct debits, Written…
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Desperate to help dad
Good evening everyone I am looking for advice and hope one of you kind people can advise me. My dad is a widower in his 60's and has never been great with money but since my mom died he has got even worse. I have tried to help him but he has now got himself in a position where he owes about 6k to credit card companies and…
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Process for Default on Account
Hi We have an old Tiscali account with £32 outstanding at an old property that we're selling (empty now). The £32 came as continued charges for a Broadband account that we attempted to terminate at the same time as we terminated BT once we'd left the house. Tiscali tried to stall the cancellation, claiming both that "we…
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help for a new girl with an old name
hi there, i was wondering if someone could give me some advice. i kind of know what i need to do but having recently got my credit report, i have a few debts on there i had forgotten about and have heard nothing about for years. but i realise this is damaging my rating so i am trying to do something about it. i have £599…
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The Golden Rule and safe payments.
The golden rule of dealing with your debts is "everything in writing". This is a very tidy three words long, however it's also easy to misinterpret, so here's a clearer explaination... "In Writing" means letters. Emails don't have the same standing in a court. Part of what you will be trying to do when in debt is to get it…
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hoping someone can help
i do hope so. My friend has just told me her husband has left her for someone else( me thinks not true) but thats not her only problem he leaves her with a six month old baby and a moutain of debt. Some of the debt she knew about but yesterday she got a nasty shock when she opened a letter and it was a demand for £40,000…
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Building Your Credit Score after a DMP
Hi there guys! I'm jumping the gun by about 3.5 years here :) But I wondered if there are any tips for building your credit score after a DMP. Where do you start if no one will touch you??? I do keep telling myself that I'd have drowned anyway credit-wise if I'd not done my DMP, so it doesn't make an almighty amount of…
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sudden overdraft removal - pls advise!
Hi Towards the end of last year I realised that I was no longer able to make all the repayments I had on various loans and credit cards. I contacted a debt management company, who when through my income and outgoings and put a debit management plan in place. I had had my current account with Barclays for the past 13 or so…
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Can I have a bit of advice please?
Hi there. Sorry for the long tale but I feel it's necessary... Back in 2009 I lived in a privately rented property. In the Tenancy Agreement I had for that property it states that the Landlord is responsible for water rates. I thought great and all was well. I received a couple of bills from United Utilities addressed to…
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Parents! Who'd have em...
I was down visiting my mum this week and she confided in me that she has some financial issues, namely credit cards! She was so upset about it all and I can see why with the interest rates. I really need some advice on how best to help her out, possibly using some of my empty credit cards if it will help. She has about…
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New Spam Button
We've now put the button for reporting spam on every post - rather than just threads. To feedback on it please do it here https://forums.moneysavingexpert.com/discussion/comment/36495193#Comment_36495193 Rather than in this post
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Can someone have a look at my SOA please?
Hiya, i posted another thread on here basically asking how do I get out of debt?! I was advised to do the SOA thing and here it is. Now.. what do I do with it? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number…
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Haunted by old store card
I'm wondering if anyone can help at all. I had a Debenhams store card years ago at an old address. When I sold the house and moved in with my partner, I filled in the change of address details on a statement and posted it in the Customer Services box in store. I thought nothing more of it as there was a zero balance at the…
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Hubby applying for Iva and DMP for me
Hello Hubby is in the middle of applying for an IVA at the moment. I have been told by the debt managment company that they need to find out the outcome first incase he needs to be put on the DMP with me instead. Anyway what I concerned about is that I have cancelled a credit card DD and loan DD a few weeks ago now (as…
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Cabot say they didn't receive my CCA request!
Hi ~ I have received a reply today from Cabot. Stating that they were replying to my second letter to them (CCA 2 template letter) as they have checked and noticed that they have not received my first CCA letter, which incidently was sent recorded with the £1.00 postal order. They are telling me now that they will supply…
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CCJ Court Warrant
Hi all, first post here so please be gentle. I'm worried sick by a letter I have received this morning from Aplins Solicitors. I posted on another thread and some kind soul has pointed me in the direction of this thread. I defaulted on car finance about 5 years ago, was issued a CCJ and was paying £20 per month on a…
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Time to get this sorted!
Right then, the wife has agreed we can sell her car after just paying £435 to repair it!! We thought an 05 plate was a good idea as it wouldn't need much spending on it :angry: . We've been plodding along for the last year just about getting everything paid as we want to, but not really knowing how much to squirrel away…
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Barclays mortgage £285 charges why its right to fight against unfair charges.
After fighting for a few months and eventually having to get the ombudsman involved Barclays have finally responded. Initially a letter refusing to buge, even that was only sent after they got one from the ombudsman. Today we have spoke to them and they have agreed to drop the charges to £120. Still not happy as the…
