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Pay Day Loan Companies :(
Ok here goes!.... I move to London from north Wales back in August 2010 and stupidly brought my car down with me. Over the first few months of living here I kept getting caught in the parking fine trap. I ended up owing the council over £2000 in unpaid parking fines, even though I did pay hundreds off before this amount.…
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Bailiff Removal Notice
Hi, I have been served with two removal notice tonight which I received when I returned home at 7pm. I have telephoned the bailiff to see if I can stop the action and have been informed that I am in arrears with my monthly payments, as far as I am concered these are now up to date and they have informed me that they will…
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To consider a DMP?
I have debts of about £25k and my husband (well I dont know exactly but I think around the same mark). Would you try for a DMP as we're really struggling (well I am, dont know about my husband) or would you keep struggling knowing that for example paying £230 each month on a barclaycard credit card only actually pays off…
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Consolidation Advice Needed For Newbie
Hi, Posted this in the loans section but a few of the guys advised me to try it here. I am looking to consolidate a few credit card balances into a personal loan in order to a) combat their constant raising of rates to crazy level and b) to see some light at the end of the tunnel. Current status. Both myself and my wife…
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Marching into March with the NSD Challenge
Welcome to the March NSD thread!! We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation at the moment with all the sales on. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise riotous…
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Selling inherited property - unsecured debt - Scotland?
Hi Wondering if someone can help me. I am selling my late fathers estate. He died in December 2009. The house is selling for £105k with 95k roughly owed on it with secured debt. He had quite a lot of unsecured debt. I received a few letters when he first died from the unsecured lenders saying the wanted to register their…
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Emotional spender
Hi everyone, This is my first post and I hope to meet some like minded spenders:-) I owe approx 13k at the moment, Santander loan 8300 (approx) Rbs cc 2995 Odraft 1700 Rather than doing a full Soa I pay 650 mortgage (including bills, c tax and food) 70 insurance 80 petrol 29 gym 36 phone 270 loan 65 cc ( min payment) 25…
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How can I get wages out my account pronto?
Hi can anyone help me. Have opened up a new Coop Cashminder account but wasnt enough time to get salary paid in, and as credit commitments havent been paid, am worried that BOS will dip into my salary which was deposited into my BOS account today. I have today went to the cash machine and withdrew £200. I then visited a…
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Help plz
hey, i am at rock bottom, i am struggling to even pay the minimum payments on my credit cards, i am making all payments for bills etc and my loan but its leaves me with £60 a month to live on and to fuel my car which i need for work, so i need to face up i either need to go on a DMP or get a secured loan, i have a lot of…
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Problems with vodaphone debt
So I have received a letter from vodaphone to say that I owe them about 900 for a contract that was disconnected due to failure to pay in nov 2011. I have contested this debt as I have been on PAYG for years till I got my current contract with orange for a bang tidy £15.00 a month. I did have a contract with vodaphone way…
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payday loan advice please anyone!
Hi, I will try to keep this short as possible,i have several payday loans which after extending each month because i couldnt afford the reypayment etc i am now stuck in the trap of trying to settle. I have tried contacting each company explaining i am in finincial difficulty and requesting a payment plan. So far only one…
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Egg and Lloyds
Hi All, I wonder if you could assist. In my previous (spendaholic) life I had lots of credit cards, and managed to pay most of them off - however it would seem that I missed two (which are Egg and Lloyds TSB). It was a number of years ago, and I can't remember exact dates of last payments - HOWEVER, my bank can't find any…
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Credit expert credit report
I signed up to the free trial at Credit Expert to get my Experian report to check what was on it etc. After the free trial it's £15 a month. I'm guessing that since I've checked that everything is correct etc, I should get rid of the subscription and just get the occasional £2 reports through the post, or is there a good…
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Should I pay? or should I fail?
Hi, sorry to be a nuisance! I've been reading these threads for a couple of weeks, and I'm not sure what to do I have a credit card debt of £6000 which is interest-free until next month (it was a balance transfer which I did last year) I finally got around to calling the credit card company today, and they agreed to cancel…
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DMP Start Date Help
Hi all, We've now had the figs come through from PayPlan and we think, with some determination, we'll be able to stick to them. Payplan have suggested that the plan should start with the first payment leaving our accounts on the 27th March. Obviously we need to send them confirmation of the various references etc and start…
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False CCJ on my credit search
Hi all, Looking for some advice I just checked my credit file and there's a CCJ showing on it from 2009, however I haven't had a CCJ against me. The status is listed as "Active". Some background.. We had a dispute with our property factor over their bills. We were refusing to pay as their bills were completely wrong and…
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i9 want to be debt free
Hi everyone, just joined the website as i want to become debt free and im after your advice and experiences. basically i am 25 and owe a lot of money. my salary was fairly high but has come down with a bump and i now owe £25800. most of it too lloyds across several products. lloyds loan 12500 25.9% 400pm lloydst overdraft…
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Ex-tenant debts
Hi all, just a quick question to ease my paranoia. My ex-flatmate left the country in November last year, and I believe she had quite a bit of debt. Since she went there have been letters arriving for her every 3-4 days, seemingly from the same people. I have passed these along to the landlord, assuming he would return…
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What to pay first?
Is it better to pay off an overdraft at 20% interest per annum or a cc at 1.89% per month?
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Council Tax Arrears help
We are in arrears with our 2011 council tax as my husband (who is self-employed) was out of work for the majority of 2011 - he has thankfully found work now. We entered into an arrangement with a company to pay £150 until the debt is cleared. In Feb I wrote to them stating that our feb payment would be delayed for 8 days…
