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Support from friends
I am a very private person and find it difficult opening up to people about anything, but especially money problems. However, at the start of January this year I had my LBM and since then I have been focused on getting debt-free, which with a lot of hard work and a bit of luck I will be able to achieve within a year. I am…
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Cheques due to go to the bank but no money to cover them
I am really worried sick. I have a £200 overdraft, which I live out of. My account is never in the black. Anyway at Christmas things were extremely tight and I foolishly used a place that cashes personal cheques for one month and doesn't bank them for a month. I couldn't afford to pay them all in January so I cashed more…
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Is there such a thing as a Monthly Money Meeting - a fincial wiegth watchers?
I think Martin Lewis and this website are great, but how do people find the motivation to sort out their money side of life? Has any one come across a Monthly/Weekly Money Meeting - where you can get a financial assessment and the feel good factor of a group getting them selves financially fit. I've come across the…
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HSBC Card APR
So I just sent HSBC an online message asking for them to reduce my APR on my credit card by a few percent telling them I'm trying to pay it off and I'm on a low wage so any help would be appreciated. Hope it pays off.
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Problems with Very debt.
Hi there I was wondering if anybody could give me some advice with some mess I've gotten in, I lost my job last yr and I'm on JSA and looking for work with little success at the moment, I've been unwell in the last couple of months and I stupidly let things slide, I'm in a lot of debt with various catalogues 3 with…
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Income form
Can anyone tell me if when filling in an income and expenditure form for County court do i have to put joint income on form if the debt is not a joint debt?.My wife and i have 3 children and i am on income support.My wife gets child benefit but i dont.She also gets carers allowance.I have also been told i dont need to put…
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question about DMP.... (income details)
hi, all debts are in MY name only (from previous) but when working out my income/outgoings etc do i have to include my partners income details? id rather my partner not have to use his wages to pay off my debt, but oviously we do live together as a couple - although we are not married. thanks :)
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What is the best way to use a Credit Card? Is the answer DON'T?
I've been asking myself what is the best way to use a Credit Card and even if I should use one. There appear to be a number of reason why people use them (lets call them pros) * Getting cash-back or loyalty/reward points * Play the Credit Card Co at the money game [use their money whilst I get % on my money] * Help manage…
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Link Finance help please!!!
I had a car load with Landrover finance which I paid off all but £1600. Went to court given CCJ and attachment to earnings of £40 which my employers dealt with. After several years of it been taken at source these ceased. Approximatley 2 years later contact by Link finance (this was back in July) who told me that the debt…
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CapQuest Story please help I need advice
I have been paying a debt to cap quest for quite a few years now and at a level slightly above what I could afford but we managed then some thing happened in December 2010 We missed a payment This has sent the capquest machine into overdrive I have taken several steps following some advice read on these forums but I am now…
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Time barred debt - what resets the clock? (scotland)
I am disabled, and have been suffering from depression for the last several years. Before this, I had hoped to start a small business, and used my credit card for startup funding. Probably not a good idea. This never happened, and unfortunately, loss of income, combined with severe depression and a lack of incoming cash…
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Northern Debt Recovery are having a laugh!
I ported my Orange number to a different network provider. I paid my outstanding bill. Out of the blue Orange sent me a bill for £20.54 which they say is the cost of porting my number. My account was well out of contract and I gave more than adequate notice. I queried the bill and was told it is for 'unspecified charged'.…
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Advice on old debts - futher advice please
I have asked about this recently, but wanted to ask for more advice if thats ok. I started to pay 2 Debt Management companies a few months ago, with regards to debts they said I owed. But I wish to query the debts - they were nearly over the 6 year (statute barred), but did not realise this at the time and agreed to…
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Full and final settlements advice please
Hi All, Ok, currently on DMP (CCCS) paying £530 pmth on 48k of debt to various creditors most of which are with DCA's. What is the position in trying to get full and final settlements and what generally (ball park figure) is the pence in the pound they ask for. Thinking that if p in pound is not too bad then the old man…
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Getting charges back/CCA in early days of DMP?
I've just started a DMP with Payplan. One of my creditors is Nationwide CC who I am aware are a bit keen on CCJs and charging orders. I don't know yet if they will accept my DMP. Would it flare things up if I were to CCA them? I've had my card since about 2003. I also got slammed with bank charges from coop last autumn.…
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Is there anyone who coud help me sort this mess out please?
Hi I'm not sure if I'm doing this right but I've had a go at my soa and putting it on here for the world to see. I really want to try and get sorted and am not sure of the right way to go. My husband thinks maybe going down a debt management plan route might be best, but i'm not sure. If we can manage to make all our…
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need advice about dmp
Thinking of going with a debt managemant company i have given them my acc detail s on the phone to take the first paymant on the 15/02/2011 the first one is debit card paymant for 400 pounds after getting a couple of calls from credit card companies i started to give them the companies phone number but now i am having cold…
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Letter before action from Fredrickson International
Hi all. I am hoping I can get some advice here on how to handle my current situation. I'm trying to sort this for my mother who received a 'Letter Before Action' from Fredrickson International. They have previously been writing letters requesting payment for an debt they have bought from Orange, which I am certain does not…
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a little CCJ advice if possible please
Right, DH has had a letter from a solicitors saying that he's not made any payments towards a CCJ issued against him, now we knew nothing about this and it was issued last September (we moved and had a redirection service up to September so never received any letters etc) we've checked with the court (Northampton - for…
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debt over 6 yrs which letter to send
Pretty much as it says in the title really, 2 debts, both of which I have not had anything from for over 6 years one of which I have no idea who it's even for as its in my maiden name (married over 8 years) and it just says arrow collections no details of any loan or what its for but they're not someone I've ever heard of…
