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Cougar Financial Services - Help please
Good Morning I just had a automated message on my mobile from Cougar Financial Services to call them quoting a refernce number.:eek: I don't know who they are and I have been up to date with all my repayments, i.e. I cancelled my DMP, informed my creditors and paid off 1 card in full 2 days ago and made a payment on my…
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Don't want to carry on 'sorting it out later'
I've lurked on here for a long time now and although I earn a good wage and have limited debt I just can't seem to get to point where I am not just 'treating' myself or just saying well 'I'll sort it out later!' Well I believe that now it's later:D and I really need to crack this for once and for all. So what advice am I…
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what should i do?
hey i have quite a bit of debt which now stands at 12,000 which i am in control of, have 4 debts, 3 which are the bigs ones are 0% intrest as they have been froze, have 1 which is £580 which each month is about £3.50 intrest and i pay £25 a month on that one, in total i pay £145 a month spread out between the 4 debts, now…
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Sat 2nd/Sun 3rd April- What small things will you be doing this weekend?
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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SOA - Advice gratefully received
Hi right after my first attempt the other night i have done a more detailed SOA with aprs% I would like some advice regarding which debts to pay of first, my initial thought was to do them in size order starting with smallest first (not incuding the 0% apr buy now pay laters) but am wondering whether it would be better to…
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default notice on credit file
hiya i had a debt with citi card, they passed this on to clarity anyway last week i had a notice that i had a new credit agreement with opus found out they had taken over citi accounts, now i just got an alert that a default notice has been applied to my credit file by opus, can they do this without contacting me the only…
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All going horribly wrong...
I am currently in a DM plan and have been paying religiously and have paid off about 1/4 of my debt. I have a secured loan with Welcome Finance (I know, I know...) and a mortgage, which again I have paid without any problem. However, I have recently been forced to change my job to doing agany work, meaning that some weeks…
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Refusal to send me original credit agreement.
I have a loan with a company. I've been paying it for over 3 years now. I thought the original loan was only taken out over 3 years, they are saying it is 5 and are still taking money every month. I sent them a letter asking for a copy of the original signed credit agreement with a £1.00 fee enclosed. I didn't sign it, I…
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Advice for a friend in a nasty mess with joint secured debts please?
Hi everyone :) I need some solid advice for a friend in rather a pickle. The short version is she's just left her husband (I won't go into details, but the maneuver involved help from several of her family and a plan with a van, if you get my meaning). She was always good with money before she got married, but is now…
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Please help- defaulted on cc
Hi all, I really hope someone can help me I know I've been really dumb- as I had stopped paying this debt so I knew it wa out there somewhere, but I chose to ignore it and concentrate on other finances and now it is biting me! Anyway I defaulted on a store card about a year ago and I know this as got my equifax credit…
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Refused debt consolidation loan
Alliance & Leicester have just refused a £20,000 loan to pay off 2 credit cards because of my existing debt - that is, the £20,000 on 2 credit cards and 1 other card. Does anyone know how to get round this problem, I thought they would pay off the credit cards directly to avoid this problem but apparently Alliance &…
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Fired from job in 2002 and got a ccj for training
Hi i was a bus driver and had gotten fired in 2002 for a bad accident,(believe me I fought all the way to the top for an appeal) but unfortunatley they then slapped me the training money dispite them sacking me. If you leave before the year is out you have to pay it but i didnt leave!!! I fought this with my solicitor and…
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Overdraft
Is it better to clear an overdraft first or a high interest credit card? Currently only paying £5 a month in fees on the overdraft and at least £150 of interest on the high interest credit card. Thing I want to know is - is having the overdraft impacting more negatively on my ability to get a 0% credit card to stooze to or…
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overdraft repayment
Hi, was wondering if any one would be able to give me some advice, today i have received a letter from a 'Fredrickson International Limited' demading that a pay the full amount of an overdraft i had. but.... i have being paying regular monthly payments to the bank for over a year and they havent once questioned it ive…
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Defaults due to debt management
Hi There, Just wondered if i could have some advice. In the past I got a loan with Lloyds then refinanced that loan to pay of an unplanned overdraft. I also got a credit card with capital one shortly after all of the bad dealings with my bank. After all of this i lost my job and myself and my ex were struggling to keep our…
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CCCS How does it work?
Currently with a debt management company and so really want to leave them,i am temped to go at it alone but am petrified they will not accept my offers etc. im totally rubbish at writing letters etc and how to word everything to make sure its right. I have been on the CCCS Website and think they could probably help me but…
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Talk talk failed to cancel my phone line and demanding money
Hi i am new to all this but i have found a lot of useful info on this site so i thought i'd try my luck again and ask for some advice. We decided that Talk talk wasn't working for us and we wanted to switch to Virgin so like good citizens we waited until our contract ended. We rang them to say we didn't want to re-new our…
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Natwest CCJ and TDM (Natwests heavies)
Hello,Around 12 years ago I recieved a CCJ from the Natwest for a debt made up of £3500 OD and £5000 charges.I made an arrangement at the time (the CCJ) to pay a set amount per month...For years now TDM have been chasing me to increase my payments,which as I have thankfully become slightly more solvent I have done on a…
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Capquest
Hi, newbie here. I recently recieved a letter from capQuest issuing me with a statutory demand. I am in a small amount of debt with various companies and have been doing a little bit of research into my predicament, in the course of my research I found what looked like the demand form used by government departments. The…
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Need help with important market research question!
Ok I been looking into why people are in debt and poor and I looked into the theory that you 1st save 10 percent of your income into a saving account 2nd pay the rest of you living cost from that other 90 perent of your salary This led me to an interesting idea. What percentage of my income is used for each of my critical…
