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which bank account...
Hi Guys, My hubby has a business account with Santander, I have a cc with them and hubby has a personal loan with A&L. We are entering a DMP and need to open another business account, cant be linked with Santander / Lloyds / Halifax or MBNA :o Does anyone know if Barclays are linked to any of the above ?? Thanks guys ;)
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Weekend 19th/20th February - What small DFW things will you be doing?!
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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I spend on crap and it has to stop
I have a relatively trivial debt problem compared to some, but it's not getting better. I'm managing to maintain enough discipline to prevent a crash - but am experiencing a slow, slight overspend each month that it making me worry more and more. We as a couple, don't have a problem, joint account is always in credit, all…
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Just about to start a DMP
Hi, This is my first post, I applied for a DMP with the CCCS yesterday after getting myself into a money trouble paying to get married. I have roughly 15000 debt in various places and although I've never missed a payment, I can't afford to feed my family or keep them warm over winter, so decided enough was enough. The…
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Help! 2 letters from Lowell together about £1600 Shop direct debt
I had received two letters under my name, my address, same orginal company name(Shop direct), but with different Lowell reference, different Shop direct account number and different amount money on Lowell letters in the same time. The total debt show on both letter is arround £1600 in total. But i have no knowledge about…
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Three phone credit appeals.
I have just had '3' refuse to issue me a phone, due to bad credit. Is there any way to appeal this? Anyone had success? Thanks.
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Money taken from my bank account - please help!!!
I have had £218.13 taken from my bank account today. I only noticed about half an hour ago and when I called the ank to query it I was informed it was taken by Scott & Co DC for Council Tax Arrears :huh: The guy said they had been granted to take money by the Courts and tried for a payment of £340 but only took the £218.13…
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Want To Quit DMP
I have been on a fee charging DMP, since 2009. I really want to leave them, mainly due to the monthly fee I am paying. I wish to self manage my plan as I resent paying the pay. The fee I feel would be put to better use at paying my creditors more money. Has anyone got any advice on self management or guidance and the…
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new dmp
ive just started a dmp with payplan and im really worried all the letters have been sent and everything shall start a s a p. im worried over two things the first being that i ordered from my catalogue 3 weeks before ringin payplan (nothing major just a small birthday present for my child as i had no money at all) and i…
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If you don't ask, you don't get!
Hi, I'm new on here, but have been a browser for a while :) Just wanted to share a success story on my long (but ever shortening) route to being debt free! I owe a lot - over £50k - as a result of a combination of things. Living a lifestyle I thought I deserved for a few years (but could not afford) and also, getting stung…
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Council tax arrears (scotland) update - still need help and advice!
Here's the original thread with regards to the council tax arrears which my flatmate has gotten herself/us in to. https://forums.moneysavingexpert.com/discussion/2991104 We both visted a money advice shop (free walk in, listed on the council website) a few weeks ago and were advised that we should set up a payment plan…
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Advice re nasty and agressive debt collection
I suppose first the good news, the other half has finally woken up to her debt, and I am fortunate enough to be able to help her. The bad news. Some cheeky sods from a debt collection agency (names withheld for the mo) got v aggressive about a £527 debt from months and months ago. The guy on the phone was so rude he…
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No one to blame but myself
Ok so i'll cut to the chase or more than likely delete my post. I've managaged to rack up about £18,000 worth of debt on credit cards........75% of it is from online gambling. First time i've actually said it out loud, i feel ashamed and embarrassed, i cant even bring myself to tell my friends and family the amount of debt…
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Seriously messed about by bank and now they remove facilities inc card and overdraft
Last march had some transcations I didnt recognise, was told to wait a few weeks just in case it was something I bought but from a company that used a different name to collect. In April more money started coming off, and more and more so by June had about £2500 taken. Bank just kept saying they couldnt do anything about…
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default re credit card
i had a capital one credit card that i settled in 2010 and is still showing on my credit card as an outstanding balance even though i have a letter from capquest saying that the account was now settled and the matter was closed. how can i get this reflected on my report? thanks
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Think I have received a fake Court Claim... but not sure.. Help please
Hello. Currently on a DMP - making regular payments for around 8 months now... Today I have recieved a letter from one of my creditors - a Payday loan company, stating that they are in the process of commencing legal action againt me at my local court. With the letter there is a blue N1 claim form with no seal, no claim…
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Default On Credit Report
Upon recently checking my credit file I noticed that I had numerous defaults served against me from a particular bank - One for a Credit Card, one for an overdraft and the other for a personal loan. I am aware that I failed to make payments as agreed as I lost my previous job, however, I never recall receiving any prior…
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Credit score of 306, how can i improve it?
Hi, to be a little more detailed the score was provided by Equifax so im assuming that the germane score is accurate but i have three defaults, two at my previous address (Lloyds £768 - Defaulted May '09 and Capital One/Lowell £315 - Defaulted March '08) and one at my current address with Natwest for £1238 which defaulted…
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Letter received from Fredrickson International
I have just received a letter from Fredrickson International very similar to a previous poster: Dear Sir/Madam, We have made enquiries for confirmation of your current place of residence. Information has been received confirming that your address details have changes to this address. Due to data protection legislation…
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Renting car parking spaces??
Hi all I have just had an interview for a job in Northampton town centre. Now this may all be wishful think as I might not get the job ... but parking permits for the area are £1300 pa. I wonder if anyone has any experience of approaching people about renting out their parking bays. Some quick Google reseach shows the…
