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Charles Dickens Debt Quote
It's 200 years since the birth of famous writer, Charles Dickens. So here is a quote from one of his books, how true it is, full story below. "Annual income twenty pounds, annual expenditure nineteen pounds nineteen shillings and six pence, result happiness. Annual income twenty pounds, annual expenditure twenty pounds…
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Interesting article about CCCS - £60m of debt in one day!!
http://www.guardian.co.uk/money/blog/2012/feb/07/cccs-callers-60m-debt-mountain Thank goodness they are there. SAAC
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Random money and what to do with it!
Hi all, I have a question that I think I know the answer to, but thought I would ask you good people anyway as I don't trust my own judgement! I filled in a self-assessment tax return recently with estimated figures as the paperwork I needed got lost when I moved house. The estimate came out that I was owed over £2000 in…
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I'm about £6.5k in debt - what do I do?
I qualified as a nurse last year, and stupidly didn't clear the £3k overdraft I have with my bank. I then needed a new laptop, and was only working 30 hours per week and couldn't afford to buy it outright, so I got a credit card. Anyhow, I currently owe £3k on the card, due to a few impulsive decisions. I owe around £6.5k…
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Credit Card, Reduced Balance, Increased Interest, How?
Can anyone tell me how my interest increases when I have been paying extra off my credit cards. This is what has happened; November 2011 0.43 + 29.51 December 2011 0.69 + 30.53 January 2012 0.71 + 31.15 So as you can see the interest is increasing, but I have been making the minimum payment and more... Thanks
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Help with CCJ
Heya me again, My other thread is a bit of a miss mash, I have an issue with a CCJ which is getting lost in the thread. I received court papers today giving me 14 days to respond. I believe the debt to be mine however I'm not sure what it is. What would be my best course of action at this stage. If I contact the debt…
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Advice needed re Partially satisfied offer.
My DH has a £950 debt which is interest free ( he has been paying it off at £45 a month for years!) He rang to find out the balance and Cabot said they would take a £350 settlement fee. This sounded fantastic, and is do-able at the moment, however they said that on his credit rating this would appear as 'Partially…
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Moving the goal posts! :(
Hi guys... I'm just wondering if anyone else has come across My partner and I are buying a house, but sadly we've just been turned down by the mortgage we'd gone for. Although I'm not sure how the provider makes a decision, I guessed it would be due to a low score or some sort of flagged 'missed payment' thing on the…
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Receiving incorrect debt collection letters
Hi guys and gals Well, the subject header pretty much sums up my predicament as a tl:dr, but I'll explain more. For the past 6 months or so, I have been receiving letters from various companies addressed to someone else. Originally, we posted them back with a "does not live here" scribbled on the envelope. But, it hasn't…
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what should i do here
I keep getting text messages from mackenzie hall quoting a reference number and saying my account is now in default, please call to resolve this and prevent possible further action. i am already paying off one debt through them but i know they are notorious for buying up more old debts. WHat should i do? I dont want to…
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tax bill
Have just had a tax inspection and am face with £20000 bill , all my own fault and have held my hands up it is mostly for VAT (£16000) but buisness has been really bad and im barely getting the bills paid. I have absolutely no assets and geniunly cannot pay , really dont want to go bankrupt , any advice would be helpful…
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How would you handle this ?
I am behind with the mortgage and car payments. Have explained this to the company who are getting fed up with me now! Have been behind for a few months on the mortgage and 2 on the car. I explained my problems to them and they argreed I could make it up the following month. Trouble is I have already promised to catch up…
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Claim form re 1st Credit
After a long period of silence I received a claim form purporting to be from Northampton county court lodged by solicitors Judge & Priestly representing 1st Credit.My first question is, is this legitimate, or just a ploy to get my written admission? I have yet to receive a legible copy of the original CCA and my last…
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Help with letting scenario and any other advice pleasse
Hi all Not really sure how to start so just gonna waffle on and hope it makes sense. Our situation is as follows... We have a big mortgage with a lot of years left, currently its interest only and not really gonna help long term. We also have 2 secured loans. We have lots of debt mainly from things that happened ages ago…
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What do i do?
I am due to inherit some money, how much i'm not sure. We currently owe in the region of £10,000 in debt. Do I use the money to pay off as much debt as possible? We are looking to get married and this money could be used for the wedding. I don't know what the right thing to do it. Pay off the debt, be free of debt, with…
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DWP Debt Management
I recently remembered that when I was on JSA in 2010 that I got 2 crisis loans (totalling £82.20) that they never took out of my benefit. I then closed my claim as I went back to work and never heard a peep from them! Decided to call in to the Job Centre to find out how much I owed them (I did this off my own back as I…
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My SOA!!! Please Help!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Monthly Income Details Monthly income after tax................ 2466.35 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Immediate help needed
I need some help please. I've just had a call from Cheque Centre legal dept saying they have been awarded an open extract against me and will be writing to my employer for an attachment of earnings. What does open extract mean? I had reached a time to pay order with them but never heard anything about how to pay it and…
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Please please help
We've had the bailiff around for council tax debts, other half let him in signed the walk in possession thing. The bailiff has given us 24 hrs to come up with £1077 or they will take much of our stuff.. We have 2 children under 4. This is not their first visit but we have failed to reach an agreement. Needless to say we…
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Robinson Way - JD Williams
Hi, I have asked for help a few times on behalf of my sister who is finally on the way back to reality and sorting her debts out. Today's topic of help is this: Sister had several accounts with JD Williams and they sold her debts to Robinson Way who without her knowledge did a default on 3/4/06. She started repaying the…
