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Full and final
Hi, I have a debt wwith capquest of £1500, and they said over the phone they will accept £790 to clear this debt. So, today I am sending them this cheque, but is there a specific letter i should send to make sure they don't come after me for the rest? Thanks
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Monday 14th February - 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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Help Please....Have I Ruined My Credit Rating?
Help :( I got a new look card last october and didnt quite understand it to begin with (i know that was stupid) and now im in £78.34 + £14.60 debt with them as they failed to send out my first 2 statements so i didnt no i had to pay anything from then ive been totally skint due to less and less shifts at work due to it…
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some support, advice, ideas....please!!!
I am new....and in the process of starting a DMP through the CCCS. They have been a godsend to me and amongst the tears of 2010 they have been my saviours. Briefly-made redundant and husband walked out next day. Our child-2yrs old and I relocated as we couldnt afford to live. I accrued debt totalling £25k through the…
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Im addicted to gambling.
Ok, this is the first time I have ever broadcast this, my wife doesnt even know. Yet. I need help!!!
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national insurance question
hi guys the otherday when i filed for JSA (recently made redundant) the guy on the other end of the phone said that my NI was not correct and that he had found the correct one but could not tell me what it was for security he said the one i gave him was someone else...but ive just gone through past pay slips and its all…
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Credit card, overdraft or savings?
I am about to get a £1900 bonus and don't know what to do with it. I have £1400 overdraft (paying about £15 a month interest). I pay £170 a month off of this. A tesco loan £11.500 (paying a set £250 a month for 3.3 years.) No fee to pay lump sums in above monthly payment. I have no savings and would like to buy a house in…
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Phoenix Recoveries - help please
Hi I am new to this so please bare with me if I have posted in the wrong place. I recently obtained a copy of my credit file from Equifax to find that the above company have registered a default against me for £105. It says that the start date was 08/01/2003 and date updated was 25/01/2009. I placed a dispute with Equifax…
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consolidation question
is it easier to try and get a loan to pay off all my debts and pay this single loan? if so whats the best way to do it or company to help?
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Considering Bankrupcy, advice please, thank you
Hello, I am in need of some advice. I am in £31k unsecured debt, have a job that pays £21k per year, wife that earns £8k part time and a 14 month old daughter. We rent our current property. We have a car that I purchased using a bank loan of £15k that I got in July 2010 car cost £9k, and on the market is now worth approx…
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Self-administered DMP - what are CC companies legally entitled to see?
We've started getting some letters back from our CC creditors. Some are accepting, some have yet to respond and a couple - namely Santander and Capitol One are asking to see bank statements, proof of income and last year's tax return (we're both self-employed). My own view on this is that they have no rights whatesoever to…
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Don't even know where to start- making me ill!
Hi All, this is my forst post on here (i think, as fsr as i can remember) although i registered many moons ago. I guess that shows how long i have left it- denial! Ok, so i am a single mum with 2 children, mature student at uni, and am getting myself into a mess with money, and its not getting any easier, or any better. I…
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Food Shopping on a debt budget
Hi Just wondered what people think is the best way to food shop on a debt budget? I dont know wether or it is easier to budget weekly and shop weekly or budget monthly and shop monthly. I spend an average of £200 - £220 for 3 plus dog and daughter and granddaughter who turn up on a regular basis. If i go monthly i can end…
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will missed payments show on credit report?
i cant pay my debts. ive had this c card 15 years and for some reason its nevr showed up on my credit report. last checked last year but now i cant pay and i missed a payment im paying smaller amount that was agreed by c card company for six months will it now show up on my credit report?
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how do i stop a debt collector coming after me
i previously posted in c cards i have lost my job and owe hsbc £15k i cant pay. im a single mum i wrote to company and they agreed to freeze interest and that i can pay £30 a month for 6 months. im finding that a struggle im barely surviving i have to eat and feed family pay rent and utilites i cant pay c card. they keep…
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Court Summons for Non-Payment of Council Tax
my husband and I have been summoned to court later this month for non-payment of council tax. The amount owed is relatively low (£200) but since my husband lost his job in the summer we have been struggling with out finances, and unfortunately have been unable to pay the last month or so of our council tax, we have always…
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Weekly Spend Challenge W/C 13th February 2011
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Help with Debt Coolection Agency
Hi Brand new to the site. Hope this is the correct forum ! I have a question on delaing with a debt collection agency. Is this the right place to ask it . Thanks
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Newbie
Hi I have been lurking on this board for a while and thought it was time to post. I am up to date with all payments but have a consolidation! loan that i would like to start paying off early I will in time do an SOA (even know the lingo), but had to share the good news that because of this site I am getting back PPI on an…
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Sister needs help with Baillifs
My sister has £2500 debt with Capital One credit card, she has been ordered to send courts proof of benefits which she has done 3 times and each time they send back saying its not the right stuff? - she says she offered Capital One £20 month but they refused and the bailliffs are onto her and she is saying that she gunna…
