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can you still reclaim catalogue charges?
Hiya, iv fallen behind on a very and a littlewoods account and being charged £24 a month on each account which is ridiculous considering im tryna get them down! anyway can i do anything to dispute these? iv tried to call and set up payment plan but they are being unhelpful and unrealistic! x
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Can't get a joint account at NW...
Went into Nationwide yesterday to try to open a joint account. We both have individual accounts there and thought this would be no problem. The application was declined saying that our combined credit score wasn't good enough. I'm gutted because right now it's hard to keep track of our money, what's being paid where and…
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How to choose order to pay debts when 0% deal ending
I am currently working on reducing our debt mountain which is currently around £14000 but whilst it makes sense to pay off debts with the highest pecentage first, I am finding it difficult to figure out the best course of action when 0% deals are going to end. It might be best to outline what is currently outstanding and…
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Huge car loan arrears - they're coming out to see me - help please
Hello, Due to general foolishness, and a husband who left me with two small children and doesn't pay us anything, this has been a horrendous year bills-wise. My car loan with Black Horse is £175, but including charges, I am now £2000 in arrears and it's been passed onto 'Credit Style' to deal with. They are coming to my…
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LCS..Can I pay seeboard instead of them?
I have received debt letter from LCS debt collectors I have seen some posts about them on here so i know they are well known! Its for 55pound from seeboard for when i first moved into my flat ( i switched straight away as it was on prepayment meter) I dont want to make payments to LCS, so can i pay seeboard direct even…
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Anyone help? Capquest
On Friday out of the blue my partner had a letter sent to his parents house from what looked to be T-Mobile (not a very professional letter...) saying that he owes them £414.66! My partner then received a letter from CapQuest Debt Recovery saying they had bought his alleged debt from T-Mobile and he must reply to them by…
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Gift from "Friend" turned into a loan
Hi everyone. I’m a newbie here so be nice! Some years ago I made friends with a chap who was starting Uni. He was the friend of the younger brother of one of my good friends. Anyway throughout his Uni years I helped him with his work (proof-reading, formatting, reference-checking, that sort of thing). Most of the time he…
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Please help
HELP PLEASE! I am a new member of your site and would like to seek your help / advice regarding a serious problem I am experiencing with my bank – they seem utterly determined to force me to sell my house to pay an outstanding overdraft. THE BACKGROUND- I have ran my own small business since 1971 and for all that time have…
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bailiffs called help please
hi all just need a little help my mother has fallen behind with her council tax and has had a liability order served and now has the bailiffs dealing with her she owes £1500 in council tax for this yr and a little from last yr they called to the house and she let them in as they said they were there to set up a payment…
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Probably a silly question... but
my credit card is nearly at it's limit, I think I have about another £600 left, which will fill up quickly when they start adding interest :eek:. Do I need to call them or will they adjust every thing themselves? I'm worried that they'll just leave it and I'll be hit with loads of charges etc. But I'm always worried about…
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Cabot F&F Stupidity
HI Just for a chuckle - went for a F&F with Cabot - told them needed a payment slip/card and the offer in writing - letter dated 17th November declares two payments first to be received by the - you guessed it - 16th November! Is it me or are they plain stupid!? Pip x :rotfl::rotfl::rotfl:
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Christians Against Poverty
After hearing about C.A.P from Martin Lewis one morning on Daybreak I decided to give them a call. Sound soooooooo helpful not only do they arrange payment plans with your creditors they also pay your regular bills and help you save a little too !! Sounds amazing.....almost too good to be true. You make one payment to them…
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Confused worried student...
Hi, I've just recently gotten a letter from Wescot Debt Collection and I have found out that natwest have sold my student overdraft debt on. First of all, I spent £1000 of this overdraft, which was my limit. And I didn't continue using the account. My main bank has always been Halifax, and before I went to uni, they…
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Can anyone help
I have a debt management plan with the cccs and my parents have come into a bit of money and have offered to lend me some money to pay the debs of quicker. My problem is this I had a loan with asda which was taken over by santander i have phoned them up on several occasions to find out how to get a settlement figure and I…
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Weekly Spend Challenge w/c 20th Nov 2011
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Overdrafts
Between us, my partner and I owe just short of £10k. We each have an overdraft and a credit card (my debt is £3800, his is the remainder). I'm happily paying off my credit card with no troubles, and he's now sorting his out after a few months of his head in the sand while out of work. We're also paying off his overdraft. I…
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How can I escape from this spiral or debt? (SOA)
Hi, I'm in a right mess, I'm a post grad student being paid a stipend so I don't have to pay council tax, but it also means I don't get any types of benefits. I really want to pay of my mounting debt, can anyone offer any advice? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Help please, dealing with debt from previous tenants....
Hi...hope I'm in the roght forum for this. (I'm usually found in the Benefits/Disability/Freebie forums...or is that fora?) Anyway....I was wondering in anyone can help me dealing with debts that are not my own? I moved into a nice little flat about 18 months ago, and whilst living on benefits, I manage just about to cope.…
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Cahoot flexi loan - Santander refunding interest
Hi, I just wanted to make sure everyone on here was aware of this thread on the Loans board : https://forums.moneysavingexpert.com/discussion/3578349 In less than two weeks from start to finish I had a refund from Santander :T. Hope it helps some DFWs too.
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DFW success, but struggling to leave the board!
Happy saturday everyone As some of you know, I became debt free in Oct 2011 :j But... after a good few years on the DFW board (more reading than posting, granted) I am struggling to find a new home! There must be other people in my position... my financial focus has now shifted to saving for wedding / house deposit etc,…
