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Barclaycard - Suspension of Interest Charges
Hello All Has anyone had dealing with Barclaycard in respect of gaining a suspension of the interest charges? I currently have just under £3k of debt with Barclaycard spread over 2 accounts that is dealt with via my CCCS DMP, & which they continue to charge (a reduced rate of) interest on. The interest charges equate to…
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SOA Help
Hi guys. We haven't actually bought our house yet but I'm interested to see what you all think of our budget and whether you think we're way off on anything or how we can improve. I also work overtime which can vary between £300-500pm and hope to put this toward overpaying on the mortgage. Statement of Affairs and Personal…
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6 x status 3's on credit file.
I have 6 X status 3's ( 3 months late on my credit file. This information is going to be removed this month by the bank in question because the ombudsman has forced them to do it. This is the only real negative information on my file. Apart from an arrangement to pay. Can I expect my credit rating to improve and by how…
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CapQuest help
Hi everyone. I have received the following letter from CapQuest letter of claim under the practice direction-pre action conduct you have not responded to our previous letters. your account has been passed through the relevant pre-action validations and checks. your account will be passed to our solicitors with instructions…
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Redundancy and DMP
Hi Sorry if this is in the wrong place im not sure if this should be here or in the DFW board or the redundancy one as I have a few questions Im due to be made redundant at the end of April from my job of nearly 7 years I will get 5k redundancy from this job and im very excited to have new job to go to especially as i hear…
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PPI Success whilst on DMP
Hey, I just wanted to share this with others to let you know that is possible and motivate you to do the same. I had a Bank of Scotland Credit Card which I defaulted on at 4k and with other debts are now paying pay through a DMP with the CCCS. Today I got a letter from BOS to tell me that they have removed £355.11 in PPI…
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How do you keep money in virtual "pots"??
Hope this isnt a silly question.... Every month I try to keep money for presents/car stuff/ etc etc, the things that you cant "pay" every month, but you need to keep by. But as its all in the same account it invariably ends up getting lost :( How does everyone else do it??
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0% and paying off cards - CONFUSED!
I have found this site fantastic in helping me tackle my problems, so first of all, thanks for all the wonderful advice on here. I'm just wondering if any of you experts can help me with some thoughts to get the most out of a lump sum I have to pay off cards and one balance transfer 0% I have available to me to cut down on…
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Advice Wanted
Hi Every month i ask my self the same question so thought i would put it out there instead. I currently take home about £1,200 a month after paying my house bills it leaves me with £515 remaining, then with other commitments i basically have about £450 left to pay some credit card bills & petrol and money for myself.…
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New and Scared
Hi Everyone, Firstly thanks for taking the time to read my post :) I am a long time lurker on this board and finally have been in contact with CCCS and I make my first payment on the 1st April, I am very happy with what has been done for me but I have received my first letter today from Aqua saying that they will not…
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Direct Debit taken on wrong date?
Hi, I renewed my flat contents insurance in Jan 2012 with 'Lloyds TSB'. I told them I had a new basic bank account set-up and changed the existing years Direct Debit payment date of the 15th to the 23rd of each month. Yet on the 15th March, a £13 Direct Debit came out of my account, despite me getting a letter off 'Lloyds…
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How do I get out of my overdraft?
Hi everyone, I've posted before about my debts and my financially-controlling husband (our finances are separate, we split bills 50/50, I pay for most things for our 1 yr old, I earn slightly less but I want to keep our money apart). Since my original post in January I've managed to cut-down various household costs and on…
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SOA done - phew! Comments please?
Here it is. I've jiggled the figures around because I had a £260 shortfall at first so I've cut things down to bring my outgoings within my income. Now all I have to do is stick to that in real life. That's where I'm going to need some help from you guys because there's no point having a budget if you can't make it work in…
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Credit report entry - 1st Credit (finance)ltd
Hello all, Trying to clear up my credit file and I have found an entry from 1st Credit (Finance) Ltd for an outstanding loan from May 2008. It is for £1138. It is showing as defaulted every month from May 2008. This is obviously destroying my credit file and I know nothing of this loan or company. I am after some advice…
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CCJ Advice
I have a quick question for you more knowledgeable people than me. i took out a loan last june, i wont bore you with all the details, but they messed me around, and mis sold me the loan. when the first payment came out at the start of july, i noticed that it was £80 more than it should have been, stopped the payment, and…
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new soa???
Hi I went BR in Oct 2012, had a COC when I moved in Nov and informed the OR. Everything has been ticking along nicely with an IPA of £50 p/m. However since christmas I have noticed with everything going up ie petrol food etc that I was struggling. Is it worth resubmitting a new SOA I did a recalculation of my outgoings…
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F&F Settlement
My partner has a debt now handled by CapQuest. He is now in a position to pay it off by offering a full and final settlement. The debt is for around 1K, should he go in with an offer of 25%? If accepted what is the best way of going about this to make sure the debt is paid and they don't try and sell the debt on or come…
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Dealing with the guilt
I can put my hand on my heart and say I have never lived an extravagant lifestyle - my debt has largely been accrued on getting by and (I suppose) treating myself occasionally to the point where it reached that stage I started to think "sure it's so bad now a few extra pound won't make a difference". I'm tackling this head…
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ActivKapital
Hi all, Firstly I want to thank you all with some great advice I have got from this site over the years. It has helped me reduce debt from around £18,000 at it's height in 2006. With a lot of hard work and repayment schedules this is now down to just under £6,000 and I will be completely debt free in 17 months time!…
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Joining the DFWs...time to sort this out!
Hello all! I feel like I need to get everything off my chest, put it all out in the open and give myself a good kicking up the bum! Here's the low down: Current debts: Overdraft -£2,320.07 Tesco CC (0% interest) -£2,992.42 MBNA CC (lots of interest) -£3,760.81 Tesco Bank Loan -£18,996.32 Total = -£28,069.62 Dum dum…
