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I really need some help
Hi Everyone ive just signed up as i really need some help/advice. Now please bear with me as my debt story is a little hazy as i cannot for the life of me remember the full details as i have put it to the back of mind and i just cant get it back! When i was 20/21 ( im now 32 ) my parents got into trouble with there house…
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SOA Living adjustment
Hi I am a student nurse, I have recently lost my part time job earning £200 per month. I have posted in this format as I don't calculate everything monthly. The following incomings/ outgoings are monthly. However on top of this I receive £760 every 4 months from a student loan. January 2012 was used for - car MOT, Car tax/…
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Paying Money Back that was sent in error
Hello Last Dec HSBC settled my PPI claim, and paid me the settlement figure (£700) twice. I didnt realise at the time (I had a few all come through at once) and Ive had a letter with a court summons from DG Solicitors. I fully intend to repay the money, but when I called today to offer a repayment amount I was told theyd…
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help with wescot
I have recently discovered that i have a ccj against me for a sum of £300 taken out by wescot, the say that i owe a company called house of stirling this amount and that they now have this debt, i cant top up my due to run out bank loan or spread the cost of my car insurance over 12 months, I have applied to the courts to…
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The eternal birthday money dilemma.
It's my birthday on Monday :j (Sod the queen :rotfl:) and I've received £100 birthday money that I can't decide what to do with. Being a massive moneynerd, I'm currently trying to build up savings in generalsa a buffer for one off expenses, plus my overall aim of saving for a house deposit. I'm paying off debt as well to…
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Pension or Debts
Hey Guys I need a bit of advice regarding the above. I currently pay into a pension scheme in work - about £60 a month - and I've been paying into it or about 2 years. Im debating cancelling the pension scheme and putting the monthly payments towards debts. Plus I will get the money back ive paid which can also get thrown…
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Payday Loan company harrassment at Workplace please help!!!
Hi Everyone, I am in a Debt management plan with CCCS and 24/7 Moneybox are constantly contacting me at work and insist i give them debit card details and when I hang up they call back and keep calling my manager answered one of the calls and the caller was very rude to him, ive sent an email to the customer support…
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To DMP or not??
Hi, myself & my partner have got ourselves into quite a pickle. We have managed to rack up debt across 3 catalogues, 3 credit cards & a small overdraft. We also have some buy now pay later items on 2 of the catalogues which are due to be paid at the end of June, we wont have the money to cover this. So next month our…
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Newly single mum... need some guidance please... SOA attached!
Hi everyone Bit of background... My husband has recently left (long boring story) and I am now dealing with things alone which is a bit scary! Any advice greatly recieved :) Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in…
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Advice Needed!
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1174 Total monthly income.................... 1174 Monthly Expense Details Rent.................................... 100 Mobile phone............................ 35 TV Licence.............................. 12.12…
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Advice please
Hello all, I am currently in debt of roughly £4400. I have 2 credit cards one which has a limit of £1100 which I am making the minimum monthly payments towards and another credit card which has a limit of £250 which is standing at £400 now. Each month this smaller credit card occurs a charge of £12 + interest which I just…
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Complicated Situation
This is complicated so Ill just list the facts and hopefully somebody will be able to help me. Ive recently begun looking after my boyfriends finances and this is what I discovered. Home repossessed by Northern Rock, £57k shortfall, shows on credit file as settled even though he hasnt paid it, he has never acknowledged the…
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National Insurance class 2
Hi all....... My only brother has returned to England after living abroad for 3 years. Prior to going he was self employed for 13 years and never pain any class 2 national insurance,saying he assumed it was deducted from his tax rebate! He never recieved any bills or reminders whatsoever. He has been offered a part-time…
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Newbie helping Mum, needs help please
(Sorry for originally posting in the wrong place) Good afternoon everybody, Please forgive me if I have posted in the wrong place, but I'm new and still finding my feet. Basically, I'm trying to help my mum, who has got herself into a bit of a state with payday loans, lost her job, has had a bit of a breakdown and tried to…
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Is it worth paying this default?
Hi there, I have the following... £3000 overdraft still on my graduate account (charged £30-£60 per month but never go over) Normal student loan A default for a mobile phone around 4 years ago...£450. My partner and I have the money together to get a mortgage in the near future. My credit score is VERY LOW...there's not…
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Council Tax Summons Help
Ok firstly not sure were to post this so sorry if in the wrong place. Ok a quick rundown of the situation. Roughly 3-4 weeks ago we received a letter about non paid council tax for around £200. We rang the number on the letter and explained our situation (will go into detail about that at the end) and that we could pay %50…
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Weekly/ Monthly Payday
Hi All, Right after finally realising we sre in too much debt & realising we need to Budget we have decided against a dmp as believe we can do this ourselves if we tighten our belts. Firstly we currently have two seperate accounts which mine & hubbys wages are paid into. I have opened a joint account with nationwide In…
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5 Years After 'Settlement' - Debt Collectors?
I'm posting this on behalf of my partner who got contacted by a debt collection agency yesterday. 5 years ago she took out a loan to pay for an operation, but a few days after receiving the money the NHS agreed to perform the operation, so she went to the branch of the company Welcome Finance and asked how much she owed,…
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1st credit !!
Hi all, i had a debt with MBNA that was sold to 1st credit in 2007, in 2008 i went to court & had the judgement set aside, i even got awarded expenses. Just had a letter, txt & 2 calls from 1st credit saying i owed the original debt, i haven't responded yet, just need to know where i stand? Any help gratefully…
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Natwest Bank Account
I am trying to sort out my debts, and have a Natwest account which is £900 overdrawn. I have spoken to the bank this morning as I realise I need to sort out, but I am only working partime at the moment and struggling. To be honest the account has spiralled out of control due to charges etc, I have asked if they can stop…
