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Whats the worst that can happen?
Hi all, new here but have been looking around for a while!! i have a DMP with gregory pennington for 6 different creditors: Virgin Barclaycard Halifax CC Blair oLiver Scott Natwest Egg My management fee is £65.55 per month and i am now thinking that this money could be better spent if i deal direct with the creditors - i…
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Lost cards and debt comin off
I have just reported my card as lost, it really is before anyone starts! lol. Was just wondering can payday loan companies still take money owed to them even though my card has been cancelled? Thanks in advance.
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Problems with a Debt Collector
Hi Not sure if this is in the right forum, but having some problems with a Debt Collector, and I'm wondering whether what they are doing is legal. A few months ago I had some issues with EBay and their online payment system PayPal, basically I believe my account was hacked, thereby letting someone gain access to my PayPal…
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DLC are sending me letters saying I owe them money
Good morning Not sure if this is the right place to post this, but hopefully someone can help. DLC (AKA Hillesden Securties) have been sending me letters saying I opened an account with a bank (HFC, I hadn't even heard about them) and that I owed them money (£4300). I've been receiving letters from them but ignored cause I…
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Cca
I currently have a DMP in place, and have just gained access to my Equifax credit details, and it wasn't as bad as I thought(going to tackle one company at a time). Anyway my question is, even though I am in a DMP and payments are being made, can I still get them to prove that there is a CCA in place?
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Jacobs Bailiffs - Charges and Advice needed!
I have just had Jacobs Bailiffs appear at my door with a 48 Hour Removal letter. This is for non-payment of council tax. Typically enough, they tried to intimidate me by saying they would come back with a locksmith (I live in a rented apartment, and have NOT let them inside my property). Now, The amount I previously owed…
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New member New problems please advise!
Hi everyone :wave: Firstly I am new to all this so please bear with me if I dont use all the right lingo and if you post replies with acronyms could you please say what they stand for....sorry. Secondly. I am really sorry if i start to ramble i have so much i need to get out that im worried if i open the floodgates i wont…
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Got to get out of this rut and need help!
I changed over my bank account from Barclays to Abbey, but left Barclays with an outstanding overdraft of £850. And of course, I have now ended up using the overdraft every month with Abbey to the full £850. This all came about when I got divorced and had to go it alone. I have now got into the trap of pay day loans and…
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Rainy weds 29th sept daily chat
Good Morning, Its raining pouring here :( was hoping to get the curtains I washed yesterday dry, Took them out of the machine this morning and they arn't clean anyway :( so need to try again, Any ideas? Have had a quick tidy through downstairs, Just having my breakkie and a coffe then I'm going to have a shower get myself…
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Wed 29th 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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This is my situation
Hi All, I am new to this site and I am ready and raring to go to get rid of my debts. I have taken the SOA calculator and my results are below. My biggest debt is the Natwest Loan (£3508) I have, I have to double check the interest, but when I last checked it was 17.9% APR however if I am paying £185 a month (fixed rate)…
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First debt free wannabee post - SOA
Hi everyone, I am 26, a SAHM to my 2 wonderful boys, aged 3 and 1. My Husband is a police officer and we are debt free wannabees We have a bank loan with Nationwide (£17,000 apr 14.9%) and a credit card with tesco (£2,800 0% till may 2011). We are paying off the loan as fast as we can because we want to clear it asap so we…
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council tax charges..........when late paying...
getting information for a mate.......im sure this cant be right she told me she has; been charged £75 by bfd council,for not paying my monthly council tax bill on time..im only £30 behind... so, i asked her - she said she was a week late and is only in arrears by £30 ...... surely they cant justify a £75 charge for…
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Problem with CallCredit
Hi, I'm not sure if I've put this in the right section but I thought someone may have had the same problem. I recently wanted to check my credit report so I signed up for the free 30 day trial with callcredit. Since I viewed it the first time I've not been able to log back into the site. I want to log back in to cancel it…
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Struggling with debt repayments
Hi guys Im after a bit of advice from anyone who may have been in the same situation as myself. I am currently paying out roughly a third of my wages out each month on clearing my debts, unfortunatly after paying my monthly bills, buying food and paying for travel i am left with very little cash in my pocket. I am working…
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Please help, at breaking point and lost!
Hi There I desperately need some advice. I lost my job about 18 months ago and have been temping on a very low wage, which has meant ive had to live partly off my overdraft. I have just got a new permanent job (phew!) on much better money. I am now determined to clear my debts once and for all but am not sure what is the…
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Can i write off my debt?
i got a loan out online with lloyds in 2004-2005 not sure will found out if u need to know.(have already got a £11.52 phone bill for being on hold and getting nowhere) the loan was for £2000 which i was paying for 4-5 months then lost my job and PPI would not help me, then from there they give me a bigger overdaft to pay…
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looking for advice for nephew
My nephew has just broke down and told me the full extent of his debts. He is self employed and is now working 6 days a week at his normal job and then is working on call nights 7 days a week to try to cope. Basically he is two months behind with mortgage, £1400, £1200 debt with utilities, and also has £8000 CC debt, £1000…
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my soa, any advice greatly appreciated!!
Ok, so i'm sure some of you will remember me, i'm always jumping on and off the debt busting wagon. Summer is over and it's time to buckle down and get rid of most of this debt once and for all! Last year of being a student, so i would like to try and get these numbers down before i have to get a proper job, and start…
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Credit expert !
I have been keeping track of my credit and credit score on credit expert.com i would just like to know if the credit score they give you is a true reflection of my credit? any advice is appreciated :)
