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EGG credit card agreement flaw???
Hi, I was reading on another site, when I googled a number that has been ringing me and I came across this..... " Egg Credit cards contract agreements are fundamentally flawed and ARE NOT ENFORCEABLE BY LAW (if they were taken out before April 2007)". Please can anyone advise me if this is true and what the flaws are?…
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Can't make this months Payplan payment
Just wondered if anyone has ever had to miss a months payplan payment and what effects it had? I've just had to pay out to get my car through its MOT and thats left me with no money to pay Payplan on the 1st. I've been trying to contact them today but have been constantly on hold so not been able to talk to anyone. My…
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Help me with my SOA please
Im trying to budget properly after spending month by month not knowing where our money is going. I have never put money aside for birthdays, christmas, emergencies, car mot/repairs or even haircuts, I have done my SOA and noticed we have 313 surplus which I would like help deciding where to put it for the best. We have…
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question re:debt
I signed up to a credit check thing online and its showin one of my debts as defaulted, what does this mean? Thanks
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Girlfriends Debt record
Hi all, New to the site and seeking some advice. I'm a divorcee of about 3 years. I've been with my new girlfriend for about 2 years now and I have a few concerns how her finances may link to mine. We're both 29. The only debt I have is a car loan of £314 a month... (but I'm earning well into the 40% tax bracket so it's…
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Rma
I have recently been contacted by telephone by a company called RMA. They have taken over a debt from Barclays Bank. I have lost account of the number a calls they have made and I refuse to speak to them. I have written to them and emailed them, but they refuse to accept anything but phone calls. I have accepted the debt,…
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Fed Up!
Finding it really hard to be positive today! Feel like I have run out of steam and the next 4 years till our debt free date feels like an eternity!!!! Sorry just feeling sorry for myself.
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Had enough, time for change....
OK I'll start by accepting I'm the cause of my debt. I'm 26 and have grown as an adult to be too easy with credit, finance and overdrafts. I'm fortunate enough to earn around £25k which is plenty for my standard of living but I have consistently spent above my means for years and it's time to stop. Since uni I have…
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Odd calls, and reduced credit
I have no missed payments on any of my cards, yet received a letter from one nil balance card that they were closing the account, and have just had another from another saying the credit limit on my card has been reviewed and is being reduced to a few hundred pounds. Meanwhile, I have received a few cold calls recently (to…
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Help needed for debts over 10 years old
Between 1997 and 99 i got myself into debt with loans, overdrafts and credit cards. Originally i hid away ignoring all letters, i assume the debts got bigger and i think i got ccjs. By 2003 i was under so much stress and realised i had to face them so i set up small standing orders with each collection agency. (i was…
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Old business overdraft coming back to haunt me – please please help…
Hello, I hope someone can help….. I got myself into serious debt with a failed business several years ago, I’ve been working very hard ever since to clear my debts and get a clear credit file (so I can get a mortgage) – in a few months I’ll finally be clear and have a clean credit file – woohoo! But the problem is…. I was…
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starting afresh
I feel elated! im up to my eyeballs in debt due to a recent marriage breakup, but thanks to this site, have just managed to open a basic Co-op bank account over the phone, and I feel this will be the beginning of sorting out my life and my finances. Its funny how achieving small things can make you feel so good. have a gr8…
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default on my name for the sake of £250
Hi, Im only 22 years old and a gym management company have registered a debt default on my name. I joined a gym a year ago. after 1 month they moved the gym 5 miles away from where it was originally. I cancelled my direct debit after 6 months. Now they have registered a default with experion. I have no idea what to do. I…
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IVA - Joint Debt - How does it work?
Hi DFW's After separating from my ex in Feb this year - now divorced, I am currently in a DMP with Payplan and also waiting for the sale of my ex-home to be completed. mortgage shortfall is about 20K joint debt in the DMP is 10k all debt is in both names. I have been told I can take the mortgage shortfall onto my DMP, and…
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Lowell Financial and Freemans-another one!!!
My husband has just received a letter from Lowell Financial for a debt of £142.98 with Freemans catalogue. This was taken out by me a few years ago-i couldn't remember when as i had a huge nervous breakdown around the time :( We have just checked his credit report for the first time today...it is good but he has a couple…
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Hi I'm new and want to be debt free!
Hello Well after lurking for a few months I have decided to take the plunge and ask you helpful lot for some advice. I am married with 2 children and recently graduated from University where I spent 3 years doing a degree. I have a job but cant start for about 5 weeks due to waiting for crb/occupation health checks etc so…
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Help - HMRC Outstanding Debt and Bailiffis
Hello I am seeking some advice on behalf of my Mum and was wondering if anybody could help! have put forward an offer to HMRC for an outstanding SA tax. HMRC have rejected the offer that we have put forward. My Mum phoned them this morning to see what she should now do and they have said that the matter has been passed to…
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Serious Illness & Lending Standards (Banking Code)
Hi All Newbie to the forums. I wonder if anyone can shed some light on this one for me. I have quite a few credit card debts to pay off, as well as a mortgage. It's quite a struggle at times. I'm self employed. About 5 years ago I suffered from a very advanced stage cancer which fortunately I came through after some 8…
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Help with rossendales Bailiffs
Please help..Ill try and keep as brief as poss, A few weeks ago i had a bailiff from Rossendales come round as i owed £211 on my Council tax i was employed the laid off and this was the amount hb didnt cover...I foolishly let him in and he leived on my goodd and i agreed to pay £10 every two weeks, Im a single parent with…
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Newbie Seeking Advice
Hi all, I'll try to keep this as short and sweet as possible to keep people reading, just seeking the some advice really, so bear with me, any advice will be greatly appreciated.... About 4 years ago I ran into defaults due to being made redundant from work, being young and dumb I just let things spiral out of control and…
