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Appointment with Payplan tonight....
Hi. I'm new to the forum so hope I'm putting this on the right place! I am just facing up to the fact that I'm going to have to start a dmp and am incredibly nervous as I'm really not sure if I'm doing the right thing but dont think I have a choice. I have a phone appointment booked with Payplan tonight but I'm worried…
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Everything looks so much better now!
Dear all, phew! I read a lot of threads on here last week and it motivated me to do something about my finances. I'm a single mom with two little boys at home, had a failed business which resulted in my owing a whopping £35k to the banks. Sold my house, used the equity to pay off £25k and now rent. So just a little bit to…
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Default sold on....who keeps the records?
Good afternoon all I am in the process of writing to all the companies who have placed a default on my credit record. One company 'Lowell' have written back to me explaining they purchased the debt from another company called 'Shop Direct'. They said it was 'Shop Direct' who issued the default however on purchasing the…
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Smith Lawsons (Student Loan) Final Notification debt
Hello, I'm new to the site and I hope you can help me out on this one since I am quite worried about a letter I received. Basically, I finished University in 2010 (One year ago). Since being unemployed I thought that I wasn't meant to pay anything back (I only owe them my tuition fees loan), true? I'm from Spain, we moved…
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Paying off debt
Have just got a redemption figure for a loan taken out 2008, they won`t allow me to pay by credit card as it would be cheaper for me as I could then transfer to a 0% card and pay off more quickly. Need help
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husband just told me we owe £40,000.....
We are in a mess and Im hoping I may get some advice here on just where to start....... My husband is self employed and the last 2 years my son has been very sick and has spent most of this time in hospital. Consequently my husband has had a lot of time (obviously unpaid) from work. I have just found out yesterday my…
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Advise on bank accounts please
My other half has just had the rug pulled from under her feet by First Direct, who are withdrawing her overdraft. On top of the massive credit card debts we have, this isn't welcome! The upshot is she's going to have to find another bank account within the next month. Realistically, what are the chances of her getting…
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Help with Hillsden Securities
Hi there, i'm new to the forum :) hoping someone can help me. Sorry its a long one. I'm having trouble with a very old debt I had with Argos, about 7/8 years ago, the 1st letter I received in years was 8th Feb (notice of sums in arrears) they must have purchased the debt then. I sent a reply and requested the original…
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About to fire this off to MBNA - anything I should change?
[FONT="][/FONT] [FONT="][/FONT] [FONT="]Dear Sir/Madam,[/FONT] [FONT="]Re: Credit card account number:[/FONT] [FONT="]XXXXXXX....[/FONT] [FONT="] [/FONT] [FONT="]I wish to register a formal complaint regarding the manner in which my account is being managed by MBNA. [/FONT] [FONT="] [/FONT]…
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DLC aka Hillesden Securities
I'm currently in dispute over an old debt being handled by DLC (client: hillesden securities) They have sent me a letter with a proposed monthly repayment figure which i am more than happy to pay. They supplied a direct debit form but i need more information before i sign it. I tried to scan it for hidden messages and a…
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Just want to say hello
Hi, Just wanted to say hello. My lightbulb moment came yesterday and weighed in at £47,120.49. I'll be posting on the diary board. Really want it to come down as quick as possible. I've identified some stuff that I'm going to sell. Reading some of the stories on here, I'm sure I can do it. Steve
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Wednesday 31st August 2011 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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my debt story
Hi everyone not been on the forum for a very long time, I thought I would tell you my story so far so here goes.... I am 40 and my wife and I have been having communication problems for a while I tried to make myself happier by buying stuff on my credit cards and buying gifts for her to prove my love> things all came to a…
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Was I duped into or mis-sold a loan?
2sides2everystory suggests posting this in this forum., so here goes it. Up until last year, I had over £7500 on my LloydsTSB Airmiles credit card. One of the bank managers said I can have a loan to pay off the credit card, and as the loan will be debited from my account every month I wouldn't have to worry about going…
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desparate and terrified
Hi all, I'm feeling sick with worry and would love some advice. My DMP is set up ready to go, but basically i couldn't change the bank account my salary is paid into on time and so the unarranged overdraft i was in was brough up to date automatically when i got paid - leaving me £600 less this month. I've rung cccs and…
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I'm being bullied - please help
Some months ago I posted on here about someone taking me to Court. I lost the battle and was ordered to pay just over 2k. I'd had a really tough time nearly loosing my new born and so I just gave in. I started to pay 30 per month to this woman until she closed the bank account I paid into. She then got a warrant issued for…
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How to explain non-guaranteed overtime income to creditors...
Hello all Following on from my first post and the good advice that people were kind enough to offer I'd like to ask a couple of other questions to help me figure out how I should best deal with my current predicament. My first question is about my income... specifically overtime which I'm not guaranteed to get but I think…
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The finest for free
I just doubled up my Tesco club card vouchers - £10 -> £20 and bought £25.00 worth of food for 27p: I have gone for the luxury of 6 packs of Finest sausages and some Finest rump steak, with a few other things it came to £25. But with the £20 in vouchers, another voucher worth £2.00 when I spend £20 in one transaction and…
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Debt recovery letter
Im trying to write a letter to a Debt recovery agency, to offer them a suitable monthly payment. Does anyone know any ideas about how to write this or have a any sample letters.
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Spent years hiding away and running, literally in cases, from this...
Hi all...wow big step, I have been 'hiding' from this realisation for a good few years now, in the hope that it will go away on its own or I will win the lottery or even that I shall walk down the street and a cheque to cover everything will fall spectacularly from the sky into my bag and transport me to the…
