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Ebay
I'm not sure if this is the right forum to post this on but is it worth selling things on Ebay? I need to make some extra money and thought it might be a good idea to sell some of my things on Ebay. For those of you that sell things on there do you recommend other's to do the same?
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Credit refernce Corrections, please advise
Hi, Just wondered if anyone could give me some advice. Firstly I admit I was a bit wayward in my youth and took out a loan, missed payments and got myself into trouble which ended been passed from Welcome Finance to The Lewis Group collection agency. For the last 18-22 months I have been strict with my payments and never…
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Dispute re credit file default - advice pleAse!! -UPDATE
Where to start… I took out an account with o2 in September 2005. It was taken out though the company Phones4u. This was settled in October 2006 and a new contract was taken out with Orange. O2 then advised I could keep my number for 20 free minutes and texts a mth, which i thought was a good idea at the time due to a…
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How do I stop shopping?
So I've had my light bulb moment, assessed my budget, moved debt to 0% cards and reduced outgoings... But ... I have a shopping issue. Not a small drip fed issue. I can resist new clothes and shoes, but I can't help buying things. Just things. I have just got a new job, and justified a new bag, new thermos flask,…
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CCA defaults/DCAs
can anyone just clarify where CCA defaults are concerned. Ive got so much going on right now i cant remember what ive read about what. For some reason im thinking this only applies to DCAs that have bought debts and not being able to provide original CCAs. Does it also apply to DCAs that are only managing the debt on…
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Debt management plan
Hi I have been in touch with payplan today. A lady took some details then someone called me back later for my interview. She went through all my outgoings etc and she/we came to the conclusion that a dmp is best for me. I owe around 15k After the interview she said to cancel all my direct debits and to open a new bank…
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WONGA - Am I....
...... The only person that found them easy to agree a DMP with? Owed £800, offered £100 a month, interest froze and only took what they said they would a month? Emailed me the DMP after I rang them. Done and dusted.......
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CCJ's
Hi I have a couple of really old CCJ's (from the mid 90's) which I have still been paying. Is there a time limit on these and what will happen if I stopped paying. One of them, Barclays, can not be found by Barclays nor is there any record at Northampton county court. I wrote to them asking for a suspension in payment as I…
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Another Payday Loan Idiot
Hi I very stupidly took out a payday loan in December from Wonga, which i have been rolling over. I now owe over £1100. I then proceeded to have the most rubbish start to the year ever! My mother inlaw passed away, my instrument cluster broke on my focus (£400) and my dog tore her cruciate (sp) ligement (£950). To top it…
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Fresh Start Financial Management
Hi guys. New to this forum. But I just wanted to post regarding Freshstart financial management. I have been dealing with them for over a month now and have just had an IVA approved through them. They have been extremely helpful and have taken a huge weight off my shoulders as I have been struggling with debt for quite a…
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Clearing a debt with tax money
Hi all, I wonder if I can seek some advice. 2 questions: * I have received a tax refund in this months wages that I know I will owe back to the government. The amount may be sufficient to clear a debt that has been passed to Westcot Debt Management Services and I am tempted to use it that way. Paying the amount over the…
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Advice needed please
Hi everyone, I have been a long time user of the MSE site but have only recently started reading the forum. Everyone seems very knowledgeable and helpful so I'm hoping you might be able to help me... I have been spending the last few years struggling by and just about managing our debts on my own but the last few months…
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Hello-may I join you please?
Bit of background history -I went bankrupt in 2006 and was discharged in 2007,managed to be debt free for a while, met someone and had 2 children with him(making a total of 6) and went a bit mad with money.So...I am now wanting to clear all my debt.I'm single again(he cheated) and just started working in January(part time…
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I'm broke but just worked out I have £3500 in bank charges from HSBC - Can I claim?!
Hi All, So back in 2007 when there was lots of fuss over bank charges I submitted a claim through an external company. Shortly after this the claim was not carried on with due to the legal proceedings. I have recently been going through some hard financial times (Had a baby and am now only working part time etc) so out of…
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help!
Hi, a friend of mine has been left by her partner and father of there children. They lost there house and business in the crash. Shes in nearl £180000 worth of debt, and the creditors are happy with the payment plan set up. But santandar who she owes £7500 have sold her debt on and the new owner of the debt are not happy…
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Credit Card Advice
Looking for a bit of advice if I may... I'm finally on the right road to sorting my debts but I want to make sure I make good choices from now on, hence me asking this in advance of making a decision. I'm pretty sure I've ticked all the boxes on the full list of 'what not to do' of financial management on my way to where I…
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Petrol prices -how I got my costs down
Dont know if its already on here ,but I use forever living reward card ,cost me £ 29.28 to buy and they gave me toiletries(which I gave away as presents )as part of the pack ,but I bought it because the reward card is really good .Its a countdown card ( they are on line and usually charge £45) it gives me 4% off petrol and…
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DMP Issues
Hello This is my first post so hopefully I'm not breaking any rules or etiquette! My situation is as follows... I am currently in a DMP with Payplan, I pay £371 per month and have not missed a payment in 20 months. My financial situation is currently changing dramatically as I am due to give birth to my first child in four…
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Need Advice Please Complaint With RBS
Had a complaint with RBS, basically I was in a repayment programme and kept my side of the bargain, was paying the arrears and making the reg payments still (£30 a month to clear arrears and £223 usual loan repayment) Sadly RBS set up a £233 Standing Order and £233 D/D. As you can guess both went out leaving me with no…
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My car! I'm so annoyed...
Hi guys, I've had loads of support on here and could really do with a bit more if you dont mind. I'm totally gutted. Some idiot forgot to put his handbrake on and his car rolled down the street and hit mine that was parked up as usual. Its completely smashed the front end of my car. I love my car- its not worth much but…
