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Despair - debt/gambling/help!
Hi all, I've been reading on here for a few years and never thought I'd actually be in a situation where I would need to post or ask for advice - I've probably left it too long in all honesty. I shall start from the beginning...I know its a lot but PLEASE READ. I've been on a slow spiral of debt for the last 5 years -…
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£100 car parking fine (work car park)
Hi people, I have got a parking ticket for parking in a space at work which is on the land of the business that I work for however I parked in a short stay car park for longer than I should have been. The business employ an agency to check the car parks (similar to hospitals).I pay per year for car parking. Do I need to…
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DFS Sofa payments - question
Hi all I have approx £900 payments left to make on my sofas. The terms of the loan state that overpayments will be deducted from the next payments due, rather than the end payment - ie if I overpayed by one month now, they just wouldn't take anything until April's payment is due. I'd like to pay it all off but am rubbish…
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fraud Advice
Me and my partner are in great need of advice, my partner spilt with his ex quite a few years ago since then he has found out she has black listed him, amongest many things she has taken out cataloges out in his name running up a massive bill, for the last 3 years she has paid this herself, even ringing the company to…
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Bank of Scotland Overdraft Charges
Hi, my fiance has just told me he has a £2800 overdraft which he is really struggling to pay back. He is getting charged £2 per day he uses it so the charges alone are in excess of £60 most months. Any ideas on cutting this down? Or do you think it's possible to arrange the charges to be stopped and pay it back over time?…
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Credit Report confused me even more
Hi, I've posted before in the bankruptcy section, basically i am £15,000 in debt and have been since 2006/7. I lost my job, battled depression and haven't really paid my debt since. I was going to go bankrupt, but after discovering i was pregnant i decided to get my head out of the sand, pay it back and take control of my…
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Changed bank account for DMP - wrongly advised! :-(
I've been trying to sort myself out and do things properly. I took advise from CCCS before opening a new bank account ahead of starting my DMP. Found out today I was wrongly advised. I was told Natwest would be ok, but turns out it isn't as I've now been told they could take money from my account for my debt with my MINT…
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new soa
changed my 'lightbuld' & it's working again, so thought i'd post a new soa. Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Cant pay wonga & on dmp
I have been on a DMP with CCCS which I have been managing (just) since April 2010. Anyway, my boiler broke in December and we had no water or heating for over a week, I had to have the whole thing replaced or have no water or heating at all for my famikly which in the middle of the snow and freezing temperatures we had was…
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Loan or not?
Hi, I am after an unbiased opinion. I have been battling to reduce debt for past 5 years and managed to shrink it from 50k to 14k. However the final 14K is spread over 3 different cards all at O% until next month when the interest will kick in. I am reaching the point where I no longer want to apply for another card and…
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Will I be able to rent on a DMP?
Hi, If I am on a DMP will I be able to rent a property? I know letting agencies do a reference check but thought only companies considering lending you money are able to see ALL of your financial payment history i.e late payments and defaults. Can anyone confirm that letting agencies can only check the basics like…
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MSE News: Big banks back huge cross-party financial education group
This is the discussion thread for the following MSE News Story: "The All Party Parliamentary Group, launched last night, had 172 members by lunchtime today ..." Read the full story: Big banks back huge cross-party financial education group
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Pay Day loan...negotiation....
Apologies if you read this post twice..as posted in the wrong bit so reposted!! Hi, well am now in negotiating terms with the Pay Day loan companies. I have sent in my income and expenditure and after them querying everything including school and childcare costs of £200 a month which they said were "ridiculously high" I…
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Can a DMP or IVA force to move house?
Hi, In theory. If a person is renting a house which is way bigger than they need and so the rent is very very high and that person is on a DMP or IVA with up to date payments, can creditors or the IVA force you to rent a smaller property to free up money?
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Debt Management Plan. Disadvantages?
I have just applied to set up a DMP with the CCCS and I was wondering if anyone knew if there would be any disadvantages to doing this. It all seems to good to be true at present!! Many thanks to all of you who take the time to help others here.
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Who to pay
Hi all All seems to not be well as I previousley thought Tried to pay CAP 1 direct after my disaterous attempt with the FOS but it seems they have returned my payment The thing is I dont know who to pay 2 DCA chasing it Sent prove its but heard nothing back Would still like to pay CAP 1 any suggestions has how to pay so it…
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CCJ from 2005
I have a CCJ from November 2005 on my credit report, I have not paid anything off this CCJ (not heard anything since it was in court, no demands to pay and i can't even remember who the OC was) its for 158GBP.. as it is on my credit report it is stopping me from getting credit, if i was to pay it how would i find out who i…
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Email address for Capquest
Hi All, Sorry if this has been posted before but does anyone have an email address for Capquest? I refuse to phone them and dont have money for the cost of a stamp at the mo! :D There isnt one on their website so didnt know if anyone else had one :D thanks!
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CapQuest Help
Hi all! I have recieved 2 letters from CapQuest now regarding a debt of £1302 purchased from Shop Direct Finance. They have stated that they will seek an Order of Court and state that bailiffs will be coming to my home on or around 1/02/11. I am currently unemployed so cannot afford to pay this back in full and could…
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A Payment Each Visit
I have been keeping a more regular check on my finances recently after resolving to clear my debts by the end of the year. I use on line for credit cards and bank. I have made myself a little pledge, each time I log on I have to pay a bit off something, so £1 here and there is working well so far, I paid £40 of both CC…
