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IVA - hints tips, would you change it
Going throu my finances, I must have thrown about a dozen sets fo figures into cccs calculator, and bankruptcy was one option, its not one that for personal reasons I can't go down that line, it also suggested an IVA I haven't gone any further into the process, but I was wondering if you have done or are involved in an…
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I'm new...help greatly appreciated!
Hey Everyone. I was wondering if anyone could give me some advice please? I am an English nurse currently working in NZ and staying for another year...I have 2 UK credit cards (Virgin and LloydsTSB) and the interest is now causing me to despair.....trouble is, I cant seem to get another UK credit card with a lower interest…
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Baines & Ernst
Had a garbled phone call from Bains and Ernst today . The bloke on the phone wasn`t the brightest thing in the world . I was offered their services to get back PPI . Never had a loan for decades and tried to explain that , except a mortgage about to be paid off . Right pushy git . Surely you must have a loan from DHS or…
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Buchanan Clark & Wells letter-please help!
Hi everyone, I'm new to this site so please be gentle. I'm really hoping someone can give me some advice and guidance. I received a letter from Buchanan Clark & Wells the other week who have pursuers Aktiv Kapital Uk Ltd and the creditors are GE Capital. I ignored the first letter and today have received another. The…
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Crunch time; Debt Update; Booze battle plan;
Hi all, Hope you're all having a nice evening. Tonight / tomorrow, it's crunch time. I can feel a sort of anticipatory - anxiety / craving for a drink, and I'm putting things in place, so that I can stay sober. I need to keep reminding myself of what I stand to lose, if I drink. Hope you don't mind me offloading a bit on…
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Letter to Solicitors Help
Hi all, I just need a helping hand to word a letter to a company of solicitors who are hassling me regarding a charging order. I've spoken to the National Debtline who advised me to write to them advising that I am appealing against the order due to their harrassment and that they will be reported to the financial…
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Ridiculous situation, need to get out of it
Hi all, Here's my situation: 23 years old, living at home with parents Earning minimum wage Total debt is just over £28,000 as it stands Have been in a debt management plan with the CCCS for a year and a bit. Not in denial at all that it's my own stupid fault & have been far too niave about taking on borrowing. Bulk is in…
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Letter from Mackenzie Hall addressed to previous tenant
We bought our house a year and a half ago. The previous owner used to rent it out to various different tenants. Recently we have been getting a letter addressed to someone seemingly a previous tenant (I have no idea who it is or where they now live), I wrote 'Return to Sender' on envelope and posted it, but it keeps coming…
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Help appreciated please.
Hi everyone, Would really appreciate some direction as to how best to deal with my debts. As you will see from my SOA I have some payday loans which are absolutely crippling me. I struggle to see how I should prioritise paying everything off. I have a decent income and it's not yet a disaster but if I continue this way it…
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Overdraft Scam
Dear MSE, I recentley asked for my card to be upgraded through world of mouth with one of the collegues at the bank in which I specifically said "No" to whether I wanted an Overdraft. Sufice to say I've gone into my overdraft whilst no "agreeing" to one, in layman terms and agreement is the opening of a contract either…
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DMP with CCCS - will creditors still hassle us?
Hello - my husband and I are £42k in debt with cc, loans and overdrafts. CCCS say we are good candidates for a DMP and we could be debt free in 3 1/2 years. They said our lenders are all highstreet names which they deal with regularly so are confident we'd be accepted. Has anyone else been down this route? My biggest worry…
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Capital One help
I have recently sent out letters to all my creditors explaining my change in circumstances (finished university - no student loan anymore and only work p/t) and offerering token payments of £1 until things improve. 3 of them have accepted this, but Capital One have sent me 2 letters which arrived on the same day. Letter 1…
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MBNA and an Arrangement to Pay!
Hi It's been along time since I've had any dealings with debts, but my estranged husband is in a hole with a credit card - MBNA. His own stupid fault that the account got into the state it has but anyway - He made a payment off the card today of £130. If he hadn't of paid that today he would of been 7 months behind with…
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Halifax Overdraft Questions
What is an Overdraft classed as? Credit or a loan? I was at the CAB as my overdraft has gotten way out of hand and I can't make the payments, but we don't know how to classify it. Another question, When I was on the phone to the bank (after I went overdrawn) the bank staff I spoke to looked at my account, and said rather…
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Shocked at how much I spend on clothes!
I just started keeping a spending diary, this month is my first full month, and it's been very enlightening. If I wasn't keeping it and you asked me to guess how much I spent on clothes and shoes this month I'd have said £100, maybe £150 at a push. The actual figure is £348.93! :eek: Ideally I should be cutting back to £50…
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Question about hot checks...
I get a letter two weeks ago on my 30th birthday, saying that I owe the D.A.'s office $650...$347 of that was for hot checks. I did not write these checks, I should have handled this along time ago. The checks are from 2000 and 2001 to pizza shops that my roomie at the time had ordered. I had just moved to town, got in a…
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Possible home repossesion
I an due in court by a loan company who I owe £1700 it is secured by my home. When the loan was taken out it was in the name of my partner and I we have since split up and I am left with the loan have we been mis-sold the loan? As my partner had nothing to secure her half with
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template letter - Prove it letter
Can anyone please provide me with the link to the Prove I owe the debt template letter please. Thanks in advance.
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Reply to creditor considering write-off
Due to chronic ill health I have contacted two financial institutions I was indebted to, to ask if they would consider writing-off my debts with them. To cut a long story short , one of the institutions has agreed to write-off the debt and has duly put this in writing to me. The other institution is considering my request…
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Debt & becoming a student! Help Please!
Ok, so I'm in some debt and I'm planning on writing to the companies to ask them if we can come to an agreement so I can pay so much each month as I cant keep up with the payments :( Anyway, In 12 weeks I'm starting a Degree at University so as you can imagine I need to get this sorted as my income will decrease by vast…