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Lowell Financial
Hi All, newbie here, looking for some advice. My partner has been receiving numerous calls and letters from Lowell Financial and Red demanding payment or they would start court proceedings. My partner has contacted them and paid £150.00 of the debt but after researching the internet and read posts on here we are now…
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what would you do? (long rant...sorry)
We are constantly overdrawn, and I personally can not see how much more I can save. I've managed to cut weekly shopping bills down by always going for the BOGOF offers etc, drive a 10 year old car, buy my clothes from the charity shop etc etc. I find myself saying no to my 8year old son on an almost daily basis when he…
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SOA - for perusal
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,690.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Any advice? Feels like an impossible situation.
OH moved in about 4 months ago. It's me, him and my 3 year old son. I'm not working (I'm a part time student and wanted to be around for DS as well) and DS hasn't started nursery yet but hopefully will after Christmas. We're currently paying out around £50 per week in childminding fees to allow me to go to uni but this…
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What to do while waiting to see CAB
HI, Just looking for some advice. I am self employed and employ Two workers, I have suffered very badly with depression/anxiety for the last 20 years. Recently I have been unable to work because of my condition and my 2 employees have done their best to keep the business going but due to the credit crunch and my absence…
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Notice of Correction on Credit Report which I HAVENT put on.
HI I new to this site and this is my first post wooo lol. I have applied for a mortgage with Natwest as a FTB and today i have had a call off the advisor stating a notice of correction was on my credit report. He stated he didn't disclose what it was regarding nor a date which it was placed on the report. This has come to…
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Balance Transfer question
Managed to get a BOS CC at 0% for 18 months but i'm unsure what to do as the limit on it is significantly lower than my nationwide card. Do I: 1) BT £1200 to BOS and pay it off super fast then transfer again, or; 2) BT £1200 to BOS and pay minimum payment (1%) and keep firing £150 each month? I know what I want to do but…
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We've moved - do we need to tell former creditors?
We sold our house six months ago and used the equity to finally clear our debts (last one on Thursday last week), but we didn't tell any of our creditors that we had moved, leaving it instead to the mail redirection service to forward stuff on. Now that we have paid them back, is there any point in telling them about the…
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Lessons learned...
My wife and I are finally debt free after six hard years, and I hope that this can possibly help those who find themselves in a similar situation. We got ourselves into a ridiculous amount of debt by spending, borrowing and a few bit of bad luck - mostly the first two. Don't get me wrong, we never lived a 'luxury'…
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provident...my new enemy...help??!!
Hi guys!! i'm at my wits end with a lovely company i'm sure you've all heard of called "provident financial services" basically the story goes, i applied for a loan a few years ago and kept up payment for around 6 months, we moved address and they refused to send a collector out as they said "the hill is too dangerous to…
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Old default question...
Hi everyone, I have a quick question if you don't mind. Below is a default from my credit file. This is a very old debt. According to this I was 14 when it started. I was born in 1981!! Anyway the company purchased the debt from HSBC and could not provide me with a copy of the original signed credit agreement, therefore I…
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Advice on negotiating a final fee plz
Hi everyone, A family member has offered to clear our debts for us (from a house sale). Can anyone suggest how I approach our creditors to negotiate a lower final settlement? What is realistic? We currently owe approx £19k with 6 creditors. Is there a minimum/maximum percentage that I can use in my negotiations? I had to…
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Absolute Nightmare
I knew we were having some financial issues at home but today the s*** has literally hit the fan at 100mph. I was aware last year that there were a few missed payments on Mum's mortgage (She got the house in the divorce settlement from my Dad around 2001 - Mortgage payments then £150/month, now: £450/month) Dad was self…
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Suggestions to help a newly single friend support herself
Hello! First time posting on this thread as at the moment I haven't needed this forum's help but after a quick glance I have realised there are so many talented people on here with great ideas on reducing their debts. Well done. I'd be very grateful if anyone can please suggest some ways to help a friend of mine who has…
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insurance help
To cut a long story short I canceled our caravan insurance with caravan guard as we no longer had the caravan. The lady on the phone said it was ok and no money owed EXCELLENT! so i canceled the direct debit. Received a letter stating that we owed a 28 pound admin fee i called to say it was all sorted no money owing and…
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Not sire this is the right place to post, advice needed about a loan.
Hi all, I haven't been here for a while, but just to update those of you who read my diaries, I have finally moved to Birmingham:j. Have signed up with a number of agencies. Had somework, but not loads. Anyway my question is this. I have a loan where I have to pay £213.40 a month:eek:! I have been paying this off…
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£4,000.00 windfall. Which debt to pay first?
I have just been fortunate to receive a sum of money just over £4,000.00 and am just wondering which debt should i put this towards. I have a loan which has a balance of about £3,800 and costs me £335.00 per month at 16.9%. I am thinking i could clear this and then have a surplus of £335.00 per month which would make my…
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Bailiff Letter for Previous Owner
I bought a repossession nearly a year ago. Judging by the post that I return to sender the previous owner owes money to various different people. Returning from work I received throught the door a piece of A4 paper from Marston saying they'd come to collect money for an unpaid court fine belonging to the previous owner. I…
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help with bailiffs
last week i opened my girlfriends flat door to step out and came face to face with a bailiff from equita. i told him my girlfriend was not in he then told me that we have one week to give him £500 for a council tax debt or he will be back to remove our property however if we pay 500 he can make arrangements for the rest to…
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Need some help please
Hi I was hoping some one could help me with this. I have a debt with Tesco for a loan, I received a letter from Wescot stating they had been instructed by Tesco to collect the outstanding monies. I sent them a request for CCA and they replied by saying I need to contact Tesco for this and then deal with Wescot for…
