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Collections Agencies?
Hello, I have a RBS credit card which due to me not being able to make payments has now gone to a collections agency. I now have at least 3 different agencies contacting me asking me to pay. How do I know which to pay and will the debt definately be cleared if I start paying them? Any advice would be great. Thanks Jane
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Trying not to panic
Hi Sorry, not sure if I'm in the right forum, please redirect me if not. I could really do with some advice here: Quick summary (it ain't pretty) Separated from husband in September who is still currently paying the mortgage. I am not on the mortage or the deeds but I have put a stop on him being able to sell the house…
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Desperate to be debt-free, but where to start?
ok I've been struggling to be debt-free for as long as I care to remember, but I'm desperate to reach my goal now. i earn a good wage but £800 a month gets spent on loans and minimum payments. i've been trying to live off a £60 budget, which would leave me £200 a month to pay towards my debts. My question really is what…
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One monthly payment (Debt consolodation)
Hi, I am looking for some advice. I have the following credit card debts :- Cap1- Owe about £950 (£800 limit) Cap1- Owe about £450 (£300 limit) Aqua- Owe about £450 (£300 limit) B/Card- Owe about £900 (£800 limit) Catalogue Acc.- Owe about £180 I havent paid in about 5-6 months.Im on Incapacity Benefit. I know there will…
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Mobile phone debt and Moorcroft
Hi would love some advice from you knowledgable people on here. Daughter got in a mess with her mobile contract due to losing her job and moving to another country. She did try to continue the payments and paid several installments but was then unable to continue. She phoned and asked for a reduced payment as she was…
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Tantrums and Temptation
Aaargh! Last night I had a total meltdown, much to my shame this morning. I've been so committed to paying back my debts and living in a budget that I'm now starting to feel that there is no freedom. I had the first wardrobe tantrum I've had for ages, felt as though nothing to wear (not helped by fact I'm still carrying…
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Ive done it!!!
hi all, i phoned payplan! they have booked me a appointment sat morning to call and have my "interview" i am sooo nervous! i just want it over with, i am stressing about opening a new bank account, transferring everything! and thats of course if they can help me! i am then worrying i might have to do a iva??? i am scared…
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Advice about threats of a Bailiff !
please someone give me a bit of advice.... my husband and I split up and he moved out 8years, we divorced a year later. i still live at the same address. a few months ago I started to receive post for him from barclaycard, which i passed onto him. about two months ago i started to receive phonecalls from barclaycard for…
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Can Third Party Debt Collectors........
........ Charge and add extra interest on a debt after a bank sells it too them?
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Thursday 29th March - What Small DFW Things Will You Do 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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Nationwide overdraft
Hi everyone. I recieved a letter a few days ago informing me that in twenty days time, the 15th April, my overdraft facility will be reduced from £2000 to just £500. However, I am currently into my overdraft by £1850 and am not due to be paid until the 17th April from my work. I will only get paid about £1000 which means I…
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Keep on Runninggggggggg to December
December is DDDD month, dirty dastidly debt December... We owed over 30k... has taken us, literally 10 years, we are now on the last 3k... two paid of this year and one goes friday, all the debts we have now are under 500.. However i want to make sure that everything is gone by December, when i got really down head in sand…
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update bailed out
hi i recently posted about getting a repayment plan with wonga, after a few emails (no response) then a phone call they said i couldnt set up a plan unless i default which is mince in my opinion. anyways i was in a right state but got bailed out by a family member so paid off all my payday loans now and paying them back a…
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*~*~* APRIL Make £10 a Day challenge! * All welcome*~*~*
:j:T:j Hello to all newbies and regulars and welcome to the April £10 a day Challenge of 2012. This challenge first started in September 2007, so this will be the 56th Month that this challenge has been going . So thanks Batgirl for starting it and SweetPeas, Aesop, Purpleroses, JesaRose and MizMir, who also keep the…
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Dwp loan 8yrs old?
Hi I have slowly been getting my finances sorted over the years and I am very close to being straight but I have just received a letter from a debt agency asking for repayment for a department of work and pensions loan. I started work 8 yrs and have not claimed benefits since but I don't remember getting the loan and not…
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McKenzie Hall Harassment!
I have been receiving txt messages and phone calls from an unknown number. The txt messages state that my account 'is in default'! After googling the number I found out that they are a firm called 'McKenzie Hall'!I have today emailed them the following: I do not have an account with you and advise you that if I receive any…
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Do HM Courts office contact my employer?
Hi All, I have an outstanding fine with the courts. I have been unemployed for last 6 months and have been on ESA benefit. My fine was taken at 5 pound a week directly out of benefit. I rang fines office and told them i have just started a new job. They said they will send me a Statement Of Means Form so they know my…
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getting letters for my ex's unpaid bills!
In the past my husband has had a few letters from companies unable to get payment for bills at his old address because his ex isnt paying as shes still living there. When they get no joy from her they seem to be tracking him down as I assume they find him linked to the address somehow. We have always dealt with it by…
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IVA Advice
I'm 18 months into an IVA. Its a struggle but I get by. I currently live alone but want to get a place with my girlfriend. We want to rent a place and bring our two families together. Could someone tell me what the implications are of doing this. She is solvent and has a clear credit rating, I obviously do not! Any advise…
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Red castle recovery chasing for First Plus
Hi my dad had a letter today and is panicing like mad about it, the letter demands £30k within 7 days of the letter or taking more action, i think this debt is some loan secured against mortgage, but my dad lost his house a year and a bit ago. He doesnt know where to start and what to do, any advice? x
