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Barclays overdraft charges
Hello all, I hope some one can help me, I cancelled my reserve fee last month and I calculated my charges to be £44, instead they were £66. I noticed this yesterday and immediately went down to my local branch first thing and paid in £30. This took me back in to my agreed overdraft. Does anyone know if I will get charged…
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So, what's life like with a D.R.O. then?...
Good Morning.... I've just completed a revised C.C.C.S. remedy and it seems that I could get a Debt Relief Order...I just need to know what life is like with one..i.e. will we have much money to live on? One person that I messaged on Yahoo answers said it would be a year of hell...another said it would be o.k...any sort of…
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Friday 29th April - 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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Do you keep a spending diary?
Just wondering, I never have done before but I'm making a renewed effort to clear my overdraft so I've made myself a pretty spreadsheet in Excel. It's got an incomings column with spaces for my work income and any extra I earn (probably through eBay), and an outgoings column with my rent, bills, uni fees, food, clothes,…
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Unrecognised purchase
Hi! If this is in the wrong place, please move it. I've had an Email (with attachment), which I haven't been foolish enough to open. The Email address isn't correct so don't know how it ended up in my Spam folder. It says this: Successfull_Order 225032 From:Bobijou Inc. <infofer@Bbj.com> Order details.zip (7KB) Thank you…
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What do people on a DMP do about mortgages?
I just wondered what happens to those folks who are on a DMP when you have a mortgage and a house. My fixed fee for my mortgage finishes in about 2 years and I have considered doing a DMP but worry about what I would do in 2 years time, granted most mortgage companies wouldn't touch us with our debts at the moment but we…
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CCJ Removal advice.
I have just checked my credit report and noticed a CCJ that was granted in June 2006. There is also a default for the same debt which was granted a few months earlier. I did not recieve the summons or the default as i left the country in 2005 and come back in 2009. Is this a good reason to have the CCK set aside? If so how…
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Newcomer
Hello, Even though i have been a mse member for a while now this is my first post on this debt free board. Basically im 30 and in debt which i hope to clear end of this year or earley next. I have a credit card with Mbna total:£1172 Argos Additions account:£432.62 Next Account:£398.19 Not sure which debt to pay first or…
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please help
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 tax................ 1700 Partners monthly income after tax....... 2000…
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Current situation
I currently have major debts totaling 20.6K including loans of 4 and 12K and a credit card of around 5K. Back in November I went with DFH but managed to come out of the agreement in March as they were taking £85 a month from me. (moral: Don't GO there!!) Currently I am paying £95 a month against my 4K loan, £250 a month…
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Default on file and ICO regulations - what next?
Hi all, Not sure if this is the right place but if anyone can help would appreciate it. Having read fermi's very helpful post regarding this I just wanted to run this past anyone who can give an opinion. Looking at a friend's credit file they originally had a mobile phone contract which went to a DCA in late 2006 (their…
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Off-Setting - Can they add to the mortgage?
One of our creditors (Santander) has written to us saying that further action may be taken and that this may include the transfer of funds from an alternative account we hold with them. I do understand about the basics of off-setting but my question is - the only thing either of us has now with Santander (thanks to a panic…
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23, 3 k debt , anyway to pay in one lump sum?
Hey guys, as the title says really. I'm 23, in 3 k debt, from when I was younger really, stupidly took a credit card and overdraft on holiday and regretting it all since, but life goes on, I'll get through eventually. My question is, without anyone grilling me please, does anyone know, or used a company that speaks to all…
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MSE: Guest Comment - The importance of impartial debt advice
This is the discussion thread for the following MSE News Story: "Access to free, independent debt advice for anyone who needs it has never been more important in these tough times ..." Read the full story: Guest Comment: The importance of impartial debt advice
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Statute barring on PLC debts?
Hi, Last April I lost my phone while out and the next morning someone phoned my girlfriend from it claiming they had it and wanted to meet to give it back. Story short, this never happened so I barred it and then later found they had made £1200 of calls to Europe and Africa in 24 hours. Orange claimed I was liable and…
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80k in debt over the last 10 years!!
Hi I am new to this site but wanted to see if anyone could provide some advice. Over the last 10 years i have managed to get myself in 80,000 worth or debt (credit cards / loans). I have tried to go into hiding for the last few years but have finally reaslised i need to deal with this as i will never have a real life if i…
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ccj and default
hi all have quick qestion can you get a ccj and defult for same debit i got a ccj four year ago which is not showing on my file it only when i ring the court up i get information that i have one so out of the blue last week i got default added to my file for this debit and linking me to address i neaver lived can these…
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Which should I tackle first?
I am due to be made redundant after a lengthy service with my current employer and as a result I am getting a relatively good package as part of the deal. I have a fixed rate mortgage deal that expires on 30th April and moves from 4.89% to 2.5%. Outstanding mortgage is £68k and I have looked at the mortgage calculator on…
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Debt Free By Christmas?
Today is a good day! :D I have just waved goodbye to another creditor by paying off the last £163.46. I have one more which currently stands at £1509.18. I remain living in shared accommodation since finishing university but now with a full time job, my income and expenditure have reversed and I now have enough cash…
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A positive message to everyone
Hi, After many years of sitting back, reading tons of advice and help I am finally ready to tell my story and feel today was a light at the end of the tunnel. My husband and I bought our house 4 years ago and had no debt other than the mortgage, however we soon realised we were too young and had too low salarys to keep up…
