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Bailliff advice please - not my debt
Ok... I have been reading every page possible on the internet and totally confused. I have lived in my home for 11 years, this year I moved my new boyfriend in.. I have since had a bailliff here for my boyfriend and his ex partner, my BF has phoned them to arrange to pay half the debt (as he came here with absolutely…
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Free Credit Report Trials??
Just finished using my FREE Trial On creditexpert. Are ther anymore free trials to view my credit report. The reason is because I need to ammend something on my file.
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Worried about Lloyds
When I set up my DMP with CCCS I moved my account over to Lloyds as I had an overdraft with my previous bank. I chose Lloyds very carefully as I didn't owe them any money through loans or credit cards etc. Now that Lloyds are going to be giving accounts away to other banks and closing branches, I'm worried that they might…
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Debtline v CCCS.
Currently on DMP with CCCS, paying £150 a month, keep getting texts/emails from debtline claiming the can reduce my monthly payment? Are they any good? Do they charge? Have nothing against CCCS but would be nice to lower payment :)
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3 mobile
have been with 3 mobile a while,paying £15 a month for 75 mins and 3000 texts.rang them today to find out when my contract ends-didn't mention leaving them or anything-they offered me same terms for £5.32 monthly on a "loyalty" tarriff.really chuffed! just thought i'd pass it on in case anyone in same situation. G
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Help with making ends meet
Hi all, I've posted on the Tax Credits board about my money worries now that tax credits have been cut so much. Unfortunately I received a lot of unpleasant comments from people who think we earn enough not to need benefits & must be squandering our fortune on an extravagant lifestyle for which we expect government help.…
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Woukd this idea save money?
I have a credit card with a small balance of £250.00 . I also spend about £150.00 per month in petrol from my basic current account. I hit on the idea of paying £150.00 straight off CC when I get paid then spending on CC to pay for day-to-day petrol. My question: Would this save me much as the money sitting in my current…
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Chances of 20% full and final
I know knowbody will know for sure but what do you think the chances of having an offer of 20% full and final on a £37376 mortgage shortfall accecpted?
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help with student loan debt!
Hi I am after a bit of advice please. My husband attended university, but in his second year decided it wasn't for him, he left in the middle of the year and so Student loans are asking for money back for the fees and some of the grant money that had bee effectively overpaid to him. He did set up an agreement to pay some…
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MSE News: Households face squeeze as inflation bites
This is the discussion thread for the following MSE News Story: "Consumers' spending power is at its lowest since 1921 as wages fail to keep up with the soaring cost of living ..." Read the full story: Households face squeeze as inflation bites
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Pay off Debts or Put into Savings?
Good morning everyone :) Apologies if this is the wrong forum! My partner and I have recently put our house on the market and are hoping to be moving within the next few months, obviously dependant on us selling the house. I am in the fortunate position where over the next few months I will have a bit more income at my…
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Monday 11th April - What small DFW 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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Overdraft debt.
hi , got letter from our freinds at lowell , they seem to have purchased a debt from NATIONWIDE .How does the statue barred effect overdraft debts . No contact has been made regarding this for at least 6 years . CHEERS
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Summons for non payment of non domestic rate! Help?
Hi guys wonder if anyone can give me some advice? Basically due to a change of circumstance I've managed to fall behind on payments for a commercial property. Having had to move house a couple of times, having to leave my business closed for some time I've managed to forget to pay the rates! My old land lady has just,…
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Weekly Spend Challenge W/C 10th April 2011
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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help with my own DMP?
Has anyone got any advice on doing my own dmp? Am currently with a debt management company and want to leave to set up my own. Currently they take £145 a month,£28 of that is their charge.would like to do my own dmp as recently had lots of letters etc. Any templates would be great as im not too great at letter writing,any…
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Section 78 (1) exemption under part 5
Hi Guys, Sorry for the legal jargon above, but I figured those who have had this response will know exactly what I am on about. Ok So I asked for a copy of the CCA and got the reply from (DCA) that under section 5 an overdraft falls into exemption. Should I now ask for a SAR? They are now telling me that because they have…
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Urgent help required please
Sorry will try and keep this brief, but I really need some advice, don't know where to start. Nine months ago me and my husband split up, mortgage payments and maintenance was agreed and because of that I have been able to manage. Today I have had the bombshell dropped that he left his job 5 weeks ago, and that he will not…
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Prove it letter
Could someone point me in the right direction to the prove it template letter? As a DCA Co has taken over a debt from the CC Co, with whom i have a dispute with at present. Cant seem to find it ! Thanks a lot
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2 quick questions!?!
Hi all Just two quickies, if thats ok? 1.When offering F&F settlements, Ive noticed a few people on here mentioning that it will stay on your account for 6 years....is this 6 years from when you pay or 6 years from original default? 2. A few of my creditors have accepted F&F settlements after two-ing and fro-ing but one…