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TV Licence card
Hi experts, I've been paying £6.50 weekly for TV Licence by card. It said on my original schedule that if I paid up till end of August that my Licence would be valid until end of January 2011. So I thought that's fine, I can put the budget of £6.50 towards my gas meter for winter fuel and re-start paying the licence in…
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Need some advice...
Hopefully ive posted this in the right forum... Back in May this year, i was made redundant after the company i was working for went bust. Because of that i was unable to pay my phone bill with vodafone, and went into an unarranged overdraft with my bank (halifax). At the moment i'm on JSA and have an outstanding balance…
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Must Try Harder
I’ve been lurking on this site for years. I even joined back in December 08, created myself a wee signature and did nothing except nosy at other people’s posts/situations. I created a budget planner, started to pay off my credit cards and then really lost my way. In fact I went a full 360 and am pretty much worse off than…
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Buy As You View - bayv
My sisters has an account with them and currently has a king size bed from them. However she keeps missing payments and are threatening to take the item back. She understands the system, if she doesn't pay for an HP item she loses it. However, they are insisting that they krrp the mattress AND they charge her full price…
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declined for loan. When is best to apply for 'bad credit' CC?
Well short version. We applied for 0% CC in June with Vigin - declined. Over summer went over our overdrafts a few times and the bank had to pay some payments which obv we got charged for. Didnt think too much of it in respect to our credit rating (how wrong i was!) recently applied for a Santander loan and got declined.…
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DMP, some queries..
Hi, We currently have a DMP through the CCCS. We have paid off a good amount, and things look good for the future (I think!). I have been lucky enough to be successful with my company, and we've been able to put small amounts aside, and then offer F&Fs, which are starting to be accepted. Hopefully more to follow. My…
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nationwide token payments
Hi wonder if anyone can help, have been sending nationwide token payments which they refused but i am still sending them anyway. I also have a joint mortgage with my ex with them which is not and has never been in arrears. have received a letter headed final demand asking for full payment and saying they will visit my…
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New user...SOA help!
Hi all, and what an amazing forum I must say! I'm struggling to get my finances in order and possibly I have left it too late... I am using some of Martin's tips, however additional expert help would be extremely helpful!!! Here's my SOA: Thank you for your help. Regards
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Negative equity & Student Loan
Hi, I bought a house in 2008 for 137k with a former partner which seems to now only be valued at 125k. I have moved out and until recently have been paying rent and mortgage which was not fun. The mortgage is about £650pcm at the moment as rates are low. A lodger contributes £250pcm and I split the remainder with my former…
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Hurdles with DCA
Hi, I have just been told that my debt is to be passed to a DCA, not sure when though. I was going to settle the debt with the OC but I think I may aswell wait until its sold on. Am I right in thinking this is a good thing, as I can offer a considerable amount less to settle the debt? Are there any extra charges that DCA's…
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what to do
hi its the newby again well here its is we have a 11,000 loans and 11.000 on cards have morgage of 85.000 house worth about 200,000 only got 13 years left on the morgage . so do we get a large loan and payoff exsisting loan and cards or stick it on the morg . please all responce will be much apprieciated:j
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A visit from 'resolve'
So I had a visit from resolve today, whoever they are. They didnt say anything to the person that answered since I was not in. I done a quick search for resolve and yep, its a debt collection agency. I've had no correspondence from such a place and its unusual to be graced with a cold call. Anyway, my question is, has…
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Gregory Pennington?
Anyone had any dealings with them? Ive been on the phone for about one hour with them discussing options! Seems pretty reasonable and understanding, best of all I can be debt free in 17months!
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Fredrickson International
Hi has anyone paid a full and final settlement figure to Fredrickson International? I want to know if their automated letter has enough in it so there isn't any comeback.The CCCS said to ask for a more detailed letter but Fredrickson International are saying its their standard letter that is sent to everyone and the…
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Had letter from MBNA's lawyers threatening a Warrant of Execution
I've sent them a copy of my budget and other debtors showing that we can only afford to send them a token payment of £1 per month coz our outgoings exceed our income but now we've had this letter. Initially I was hugely relieved about finally facing up to our crap financial situation but this letter has really scared me…
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moan and advice needed
Hi all Well there i was thinking i was making progress. DMP set up with Pay Plan, first payment made. Spending diary being kept and spend monitored - although admittedly this is work in progress and for the first month in years i was actually going to live on the money i had without getting more debt!!! and then......…
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Callcredit - Account Status Codes
Hi all, Not sure on the best fourm for this one, so mods feel free to move. I'm in the process of getting my credit reports (just to check all of the details are O.K and see how I'm doing) Got one from CallCredit but it has no key for their Account Status Codes. Handily (NOT!) their website has a broken link to their guide…
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HELP! Anyone using CCCS?
Hi, I am quite new to this. Just wanted a bit of advice. I finally faced up 2 our debt about 3 months ago, and it was a shock 2 realise we owe more than £10,000!! So I went online and sorted us out with a company called Gregory Pennington. They gave me a lot of advice, but I found them a bit pushy. My OH discussed with a…
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Optima Legal??
Just had a really threatening letter from Optima Legal in the post this morning - we are in the process of setting up a dmp with cccs and all of our creditors have had letters re this. More angry then anything about this letter, lots of things that may happen etc etc if we dont pay o/s, but is has really upset hubby. The…
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Unable to pay
Hi, Im unable to pay my debts! Not sure how many debts I have as they have all been passed onto debt collection agencies! Im in aroung £4,000 to £7,000 debt. I'm on a low income and after my rent, basic bills and food are paid I'm left with £50/60 a month which is no where near my debt re-payments - However I am willing to…
