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Harlands and CRS
Hi, I received a letter today from CRS advising that I owed £257.24 (£189.15 for Lifestyle Fitness and £68.09 'Standard Fee'). A little background on the issue: My friend and I signed up for the gym under the impression that it was a joint account (they give discount when two people signed up). We had previously been…
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Help with ridding me of my creditor demons
Hi, I need a lot of advice and help with this. My debts although seemingly huge in significance to myself seem to pale against others. Basically. I owe; Capital One - £1900 (minimum payment of £88 high interest) Overdraft - £1800 (never out of it and now ignored as if it's my balance) Very - £1000 (a lot of buy now pay…
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Advice appreciated please
Hello, I have a number of financial concerns, they always seem to come out of the woodwork at this time of year! I have an old debt, that i was making payments on, for rent on a student flat. Basically I was all set for uni when my girlfriend told me she was pregnant, so I thought getting a full time job instead of…
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Struggling :(
Hi all I'm wanting to pay off my debts and start some savings for a rainy day. At the moment I am also paying £204 p/month towards my part time degree but I am waiting for my tuition fee grant to be returned and I am expecting to have this at least halved. Any surplus will be refunded. So I haven't included it in the SOA…
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Plz read and give some feed back
Sorry dont know where to post the question. My question is this i have worked from being 13 im now 31 i got made redundte last octuber and was on dole for 3 months, Found another job been working there for 11 months every things going ok. Now when i wasn`t working i defaulted on a credit card so now got bad credit, over…
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Debt free wanna be PPI payments
New to this forum, but just want to say a BIG thank you to Martin Lewis. I owed £34,000 in 2006. My partner and I had good jobs, we bought our own home, and then our relationship of 16 years split up.I had to start my life completely again. I was left with massive debts and just sinking under the pressure. Finding this…
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Christmas conundrum
The problem is this: I can pay my bills this month but it only leaves me £178 for everything else including the whole of Christmas and New Year. For those of you who don't know me, I am a single parent with 3 children (10,8 and 6). I am following a budget written by the CCCS and I am paying £138pm into a debt management…
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Help - HSBC demanding overdraft repayment
Hello, I have a £700 overdraft from HSBC. It used to be my graduate overdraft but I no longer use it as my main acc - havent for years. The interest comes to about a tenner a month and I usually pay in £15-20 a month. I got married recently and had a lot of bills to pay. The acc stood at approx 550od and I overdrew it back…
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Financial Management Plan
Hi All (first time post & it feels like a big step being honest about this) OK, we've taken stock of our finances and it doesn’t look great. We've slowly allowed a few credit cards and store cards to mount up over the years, we now find ourselves in to the tune of £16,500  We're not behind with any payments and we can…
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I fell into the payday loan trap....
Hi, I basically owe £1200 to various payday loans and I am constantly in money worries. I need some advice ASAP. Pay outs to these companies have decimated my wages this month, and I am very desperate. I did stupidly apply for one but declined it as I felt it was wrong, and they wanted the extension number for HR in the…
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Credit Expert Ripoff / con
We all say about banks misselling ppi, but how about credit expert. I spoke to someone tonight about getting an account re-activated, I dont want their score and prefer online access hence not going for the statory report. Their answer was management are pushing the identity insurance and scores, nothing anyone can do and…
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Accepting a Full and Final - double checking letter from DCA
I'm just about to agree a full and final settlement with a DCA, I think they are keen to get it done today so she can add it this month's figures! She has just emailed me through a letter, on their headed paper with the following wording: We are pleased to confirm that we have agreed to accept £xxxx as full and final…
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Next Step
Hi all,i have visited the site on a few occasions but i'm new to the forum, I am looking for a little advise if at all possible, I was struggling with debt for a long time and had a fairly bad credit history, i am now almost Debt free :j but was wondering what the next step was to building my credit rating back up, i have…
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Debt panic - advice needed
I am new to this site and am in need of some advice, I have debt with my bank of around 10,000. I have lost hours at work recently and am really struggling, housing benefit has stepped in, and working family tax will go up a little im sure. All my utilities and rent is currently up to date but i have this huge bank loan…
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Yellow A5 card through door??? HELP
Hi there, was wondering if anyone can help. Today I have recieved an A5 yellow card through the door with CONFIRMED RESIDENT in big bold letters on the top. The card states it is from a company called Frederickson International LTD acting on behalf of 02 Uk LTD stating my account is seriously in arrears and to contact them…
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Pay debts or money off mortgage?
I have recently inherited £5k and don't know what is best to do with the money. I currently have approx £5k in unsecured debts and also have a mortgage of £97k, my house is worth approx £90k so I'm in negative equity. Am I better off paying the £5k off the mortgage and continue paying the unsecured debts on a monthly…
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Can't give the money away!
Hi, i have been trying to pay off my creditors through their collection agencies, offering them a reduced settlement. I am about to lose my job and wrote to them with a final offer which some have agreed. When I asked would this be a full and final settlement they said no,only partially satisfied. When I asked would the…
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Help with CAPQUEST please!!
Hello, I am new to this forum so excuse me if I am posting in the wrong section of the forum. I was wondering if anyone could give me some advice about CAPQUEST... I had a phone call from them to my work phone this morning asking to speak with me. I work in a call centre and was not available to take the call so a…
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A bit of a scare - statute barred?
Hello all, Firstly i would like to say thank you for any help in advance. You guys on here are saviours for many people who never post, so speaking on behalf of the silent majority....you're great! Right, i received a letter from EquiDebt, with regards to a creditor 'Aktiv Capital UK Limited' The debt refers to a bank…
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DAS in scotland ?
Afternoon I am currently in about £50000 unsecured debt. Split between loans and credit cards. At the moment i cant make minimum payments and was I am about to apply for a Debt Arrangement Scheme. However I am about to split up with my wife and need to move out ASAP. Hopefully when the house goes probably sometime next…