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1st no spend day
hi all i am new to mse and new to budgeting well here goes i am just getting ready to go to work and attempt my first no spend day, well its my day off and were doing a charity event at work so im hoping that will keep me busy instead of looking on the aisles to see whats on offer. i have made a sandwich and taking a snack…
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Update Vanquis (Impact Collections)
My friend received his statement from Vanquis or Impact collections and they haven't charged any fees/interest. This may help anyone who can't make payments to Vanquis. It is on for a period of 6 month's, then reviewed again.
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Equifax have info in a name that's not mine!
Got turned down for a current account and decided to check Equifax to check my credit file. There are two accounts on there which have a surname which is neither my married name or my maiden name. Thankfully both accounts are settled and there are no problems with them. Can anyone tell me how I get this fixed? Thanks
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just got water bill from old house share - what to do?
Hi Guys Long time lurker, now needs some advice! I lived in a house share with three other guys, left due to the landlord selling up to another landlord, moved out about Sept 2007. One of us moved out first, leaving the other two to move out on later as the new landlord was going to gut the house and re-do everything. I am…
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payplan mbna rejected dmp
Just started a dmp with payplan most of my creditors have accepted #######mbna####### have rejected what a surprise they have allso put my ppi compensation on hold for the last six months and upped the interest rate on the credit card allthougth it has been frozen for 9 months at least i only mentioned i was thinking of…
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I'm Free
I hope no one thinks I'm gloating with this post. In 2006 we were massively in debt, we owed £29,000 to 17 creditors and didn't know which way to turn, sleepless nights, stress and our marriage nearly broke up through the pressure. One phone call to PayPlan and things started to look better, we were put on to a DMP paying…
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Part Settled v Settled
I am on a DMP recently i have been reviewing my debts and I pay £200 off a month to a group of Debts. Today I decided to call the ones that I owe under £500 on (3 of them). They have agreed an offer that i could probably easily pay off this month out of my bonus. The problem I have is it would show part settled. Now is…
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DMP advice please
Hi i have been reading various posts on here, i am just starting a DMP with CCCS with unsecured debts of around £32K due to 4 credit cards and a personal loan. I am really worried about being taken to court and debt collecters calling if my creditors don't accept my payment. My creditors are MBNA, barclaycard, Capital one…
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i can't stop spending
hi all i am new to mse but could really use some help, a little about me live with my oh who i have been with for eight years i am 24yrs old and work full time for a supermarket chain he also works at the same store my problem is i carnt stop spending i dont thinks theres a day gone by where i dont buy something and if im…
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Help! I cant see the light
Last week I was fairly positive about this DF journey, but today I feel as if the lights gone out, or the tunnel has a bend!! I used the new Minimum payment calculator (which is great honestly) but its a stark reminder of the long hard journey. I then received notification of next months interest charges on my bank account…
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Capquest Again
Hi everyone. Some 3 years ago I made an agreement with Capquest to repay a debt. I have paid everything I owed but they are still harrassing me for money and are now asking for £1250 which they say I still owe. I have all the payments listed from my bank which were payable monthly for an agreed amount of time wich ended…
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HFO Harassment
I too have just started to receive phone calls from HFO. They have recently purchased an old Barclaycard debt from about 4 years ago, which I though had been paid off. I have had no correspondence from anyone for at least three years, possibly longer and then suddenly I have received two threatening letters from HFO. The…
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Can we do this?
Hi all,Have just been listening to the new rules regarding PPI....in short we have a Tesco loan,which has now been taken on by Incasso,who have put a charge on our house,the loan was for £25k,and we took it out about 5 years ago,we are also on a DMP.....looking good innit!....My question is,can we still claim back PPI? If…
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Help with Optima
I have a debt with MBNA of around £1600 which has been passed to opitma. I am trying to get my debts cleared and but in some sort of order and get myself back on track. I sent this email to them With reference to my outstanding account with Bank of America (MBNA). I have tried on a number of occasions to set up a payment…
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letting the business go
Ive been doing a little business now for about two years and its not paying I started on ebay and then expanded on to a market stall, Ive been doing the stall for about 18 months and its really bad some days Im lucky if I take home £10 after paying my rent. Ebay seems to of dryed up too going back a year ago I would be…
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Debt Free Direct........ Strange!!!
Quick question about whether anyone has experienced the same thing: I received a phonecall today from a company called Debt Free Direct. A man on the otherside asked me about my recent loan application and asked me to confirm my name. I was quite sceptical to begin with because it felt like a cold call trying to sell me a…
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Philips Bailiffs - We've paid but they are still harassing us, what to do?
Hi there, One of the drivers in our company picked up a penalty charge notice from Westminster City Council last year which we had no idea about and now Philips have been hassling us!! At the end of last year we had two letters of attendance from bailiffs so we sent them a cheque for the amount stated on the attendance…
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Barclaycard
Hi all, Would just like to pick your brains - I have been with the CCCS for just over a year now. BC accepted my payments and stopped interest. I have just had my review with CCCS and my payment has been able to increase by just under £10. Since my review BC have now put interest up to 3% still very low but it has eaten up…
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paying off debt and improving credit rating
Hi all, I have around £7750 in outstanding debt and would like to clear it. at the moment, have 5 credit cards, a coupl of payday loans and that's it. however, on the last couple of months i have been troke by bad luck where HMRC recalculated my tax code and subtracted more than £500 in one go. plus, i got a couple of £60…
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help please!!
I have been on a debt Managment plan since January 2011 and have noticed on one of my creidtors im paying back each month that they are charging me £23 a month of intrest which is alot of money when im only paying back a little each month, if this carrys on It will take me for the rest of my life to pay this debt of. They…
