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Dont know what to do :(
Not sure if this is the right thread but here goes. I have recently been to court for non payment of a fine relating to tv licence. I got a 14 day suspended custodial sentence for this :( and must pay £5 per week or im going to prison. This is fine, but now i have others chasing me too. I have a court date for next…
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HSBC Offer
Hi guys, Just need a bit of advice. Been on dmp with CCCS since January this year. OH received a letter from HSBC today regarding his credit card, on which he owes £8051.32. They are offering him the chance to settle and are stating the settlement offer could be as much as 50%. However, they are stating that his credit…
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Call Credit's £2 statutory credit report
Callcredit will NOT accept my card payment for this, but if I select the 'free trial' (and then we'll bill you 12 quid a month) option, it drops into place beautifully and I suspect it would accept the card no bother. I reckon this is a scam - has anyone successfully got this report for £2?
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Done my SOA, what should I do now?
Morning Everyone, I have completed the SOA calculator as Kiki told me to yesterday. Now what do I do? Shall I post it here so everyone can have a look and help me think of the best next steps......and if so how do I do that? Thanks x
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Anyone's advice welcome
Originally Posted by monwind Hi, To cut a long story short! My husband's business failed last year (after 22 yrs) due to economy. He is now ill with haemochromotosis and other health probs. He is on ESA I lost my job (which I managed to work in for 10 months) last week due to ill health (I had a car accident in Nov.10)…
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Changing Direct Debit Dates
Morning All, I am quite new on here and am not sure this is quite the right board to post on - but here goes. I am starting a new job next month. Currently my pay date is the 25th of each month but in the new job it will be the last working day of each month. At present I have pretty much all of my direct debits coming out…
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Full and Final Settlement Advice please
Morning DFW's Long time lurker and very appreciative of the advice I have picked up here over the last 18months, to the tune of reducing my monthly outgoings by £350 a month :D Why i'm posting really............ I have had an Egg card for years!! I have paid the minimum payment every month (for years) currently £166 and…
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terrible terrible guilt over debts
O.K....How do I cope with the guilt that I feel regarding the debts that I have built up - but cannot pay...I am still borderline suicidal (am on a high dosage of anti-depressants)...and am still trying to pay everything...even though this means that I have to buy food on the card...as I've spent all our cash in trying to…
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13th of April; What small DWF things will you do 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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Mackenzie Hall
These called my house today looking for my brother. He does not live at the house and never has done and they questioned my 15 year old over the phone. Are they allowed to make unsolicited calls to an ex-directory number? I can guarantee my brother never gave out our number where did they get it from? Can they ask a 15…
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2nd payment on dmp
Hi, i made my second payment on my dmp last week but i am still getting letters and a lot of phone calls, is this normal? i have spoken with my debt company and they have said letters have been sent and are waiting for acceptances. surely some of the money i have paid will be going to the creditors? what if they dont…
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leaving my DMC
im seriously considering me leaving my debt management company and going at it alone. what is the first step? shall i phone them to make them aware,they already have an up to date SOA from my dmc already. shall i just ask them for bank details to set up a standing order for slightly more than they are getting now as i wont…
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fao tixy
hi tixy just tried to reply to pm but it says ur inbox is full mandy
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Defaults removed - when?
Hi, Are defaults (and late payments) on a credit file removed 6 years from when the default (or late payment) occured or are they only removed 6 years after the debt has been settled/satisfied? For example below is a debt I am going to pay off... but if I pay it off tommorrow will the default be removed 6 years from…
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Complicated?
In my own little world I feel like life is so complicated and everyone else just breezes through. I know this is not the case in reality but I feel so wound down sometimes by the complications that arise and I'm struggling to see through it all at the moment. Does everyone find life like this? I don't know if I just need a…
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Questions from Abroad
I have been reading this forum for a while & would like to thank you all as it has provided me with a great deal of info for dealing with my debts. Here is my situation We - myself (British) my wife (American) & child moved to the USA 4 years ago to start a new life. (Partly because of our money situation & mostly because…
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sent your way... advice pls
Hello Everyone, I have just posted (my first ever post) on the lonas board and have been told to head over here by Clapton. Please can someone look at the post below and give me some advice? [FONT="]My husband and I both have debts which we wwere happily slowly paying off but I have just had to go part time at work as…
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Old default
So, the only remaining "stain" on my credit file is a default from Virgin Media from 2009. I'm not up on all the legal stuff so wonder if someone could help me out. It's like this... September 2008 - account cancelled by phone with Virgin as moving out imminently. April 2009 - having heard nothing from Virgin since,…
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Owning up to debt with your partner
Been a lurker for 2 years, during which time my debt has got worse and worse. Finally today I plucked up the courage to tell my wife and she has bowled me over with how she has been. I was ready for her to leave and take the kids with her, but how wrong was I. She has been so supportive and wants us to work together to…
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Wonga keep taking payments
Is it true that the bank can't stop Wonga taking debit card payments from an account with a zero balance? Or are Santander just b*ll sh*ting? Even the debit card was blocked and replaced but they still say they can't stop them from taking small amounts in drips and drapes.