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£30k CC debt - can't pay - wait for court?
Hi, This is about my partners situation. I am really looking for peoples best guess of what will happen. The situation is: £10k Overdraft Halifax £5k CC (credit card) Halifax (this + above being pursued as one debt) £7k Barclaycard £7k Santander He is being chased by debt collectors for all these. Was paying £100 a month…
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Spreadsheets
Hi, Sometime ago I got some spreadsheets from here, they were great and had dif pages for savings, household bills, debts etc and barcharts so you could see your debt go down. Unfortunatley I only had it saved to my comp and that recently broke and was wiped clean. can anyone help me find them again please as I am having…
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Improvement of Credit Score - Repayment Plan or Settlement
Hi All, First post, and hope that i'm not duplicating a thread! I am 23, and since being 18 I have had bad debts. I have yet to check my credit rating, however now that I am in a more comfortable position, I am interested in improving it. I have a stable job, and over the last year I have saved each month and paid off £4k.…
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*** March make £10/ day challenge. ALL WELCOME! ***
:wave: Hello to all newbies and regulars and welcome to the March £10 a day challenge of 2012. This challenge first started in September 2007, so this will be the 53rd Month that this challenge has been going . So thanks Batgirl for starting it and Aesop, Purpleroses, JesaRose and MizMir, who also keep the thread going. I…
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Time to stop burrying my head in the sand and grow up
Hiya All, I've been in alot of bother for the past year. I am 18 years of age and am now in a huge amount of debt which seems as though there is no way out. Payday is approaching and the payday loan companies are now attempting for their payments which have been coming out for what seems like a lifetime. I've made huge…
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Credit affected by housemate?
Hi, Just a little question about credit ratings..... I was just wondering if my credit rating would be affected by my housemates? (i know alot of factors are taken into considoration when applying for credit -this was just my main concern) -we obviously share an address...and we also have a joint bank account for bills…
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just been contacted abaout a debt from 1999
i have just been contacted on a debt from a bank account which was closed in 1999 i was phoned up by global debt recovery ltd saying i owe just under £6000 to lloyds tsb they say the account was closed in 1999, i said over the phone that this is over 6 years old but they said it didnt count as i had been hidding from the…
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Debt Management Company Took My Money But Havent Paid Creditors - Please Help !!
Hi to all, Firstly, I do apologise if this has been posted somewhere else on the forum. Secondly, I am new to this forum and after a bit of advice please. :beer: Back in 2006 I went into a debt management programme with a company called Byrom & Keeley (based in Machester) I was paying them roughly £150pm for them to…
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Backpacker travel insurance
Granddaughter travelling to Australia initially for 1 year, any tips or suggestions re travel insurance and what pit falls to avoid please?
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Tuesday 28th Feb - What small DFW things will you be doing today!?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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help and advice needed
Hi everyone I have been a member on the forum for a while but have set up new username for this post, I hope I can get help on this situation. My parents have recently both lost their jobs and are now living from Pension credit as my mum is receiving state pension. The issue is that they both have credit cards and are…
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Catalogue Debt!!
Hi Just asking for some advice.. I currently owe about £500 altogether on catalogue accounts. I'm paying monthly but due to the interest etc my balance doesn't seem to be going down! I was looking into possibly having a small loan or credit card to pay it off, then pay off that, 0% interest if I can get one. Is this a good…
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Account no longer managed by debt collection agency
Should I be worried by this? Had a letter from capital one today to tell me that the account is no longer being managed by a debt collection agency. It has been returned to capital one and payments should be made to them. Any ideas why? Balance is 650
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will they add interest???
After reading someone's thread. It got me thinking. At the minute all our creditors have frozen interest on our dmp. But as our amounts come down are they likely to restart interest or are they gonna think that 8 years down the line.....we'll just let them pay it off and be done with it???? Anyone got any experience…
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is it possible to 'tart' the catalogue companies?
I currently have a littlewoods account, no current balance but a £900 0% deal due to end mid march if not paid off in march it goes to 40% with deferred interest applied :eek:..... the account has a 3k limit with further offers of 12 months 0% ......now I have the to £900 to clear the balance BUTTTTTTTTT wondered whether…
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Student rent payment problems (UNITE)
First post on the forum. Hi everyone. Long story short, I started Uni last September only to find it wasn't for me and a month or so later I dropped out. I was staying in Unite Accommodation, and was roped into paying the whole years rent even though I'm not staying there. Believe me I have advertised everywhere to try and…
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Which Card should I target next?
Ok so this time last year I had horrendous cc and store card debts of over 35K :eek: I have managed to get this down to 30.5k still horrible but at least in the right direction. The aim is by the end of the year that this will be down to £24k and then gone by end of 2013:j. I have been working through them by highest…
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Return of Goods Order (Suspended)
Hello everyone, i'm Chris from Liverpool. Apologies if this is posted in the wrong section, I wasn't too sure :embarasse I was just after some advice with regards to one of many financial troubles i'm having at the moment. Last year I fell behind with my car repayments and in December '11 I was issued with a Return of…
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what am I gonna do?
I have seven payday loans totaling £3,894 - even if I defer them for another month Im at least a grand short of what I need - after I pay my priority debts, which have mounted because I havnt been paying them I ve got a paltry £300 left to offer the sharks, so a company expecting £468 I can offer £36, another owed £1332 I…
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advice on SAR please
Hi all after sending a SAR to santander who are after a mortgage shortfall from me they are saying they cannot find any history about the mortgage/me or the property any advice on what to do next ? many thanks
