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sold my car whilst on h/p to pay mortgage
i know its fraud but it was last resort,the car dealer never checked and offered to buy meant to be dropping it off tomorrow and collect money,will i go to jail if found out for fraud? cheers
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HELP: Self-supporting Student [Scotland]
What is available out there for students who are in a situation where they will be studying away from home but are not entitled to Governmental Student Support. Please share advice and bare in mind that some students avoid loans and interests.
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Beating the debt
Hi Guys, First post so be gentle, avid reader of the boards though!! Anyway today I have been accepted for a Barclaycard Platinum with 0% Balance Transfers. They have set a 9800 limit on this card which I intend to decrease as it frankly scares me!! I have always had airmiles duo with Lloyds and currently have 3500 on a 4k…
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DMP Review & Reduced Payments - Should I be worried??
Hi everyone, I've been away from these forums since September as things were settling down since starting my DMP in June last year and I was even managing to put some money aside each month. Well I've just completed my review over the phone this afternoon and I have had to reduce my monthly payments from £292 to £131 and…
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Consequences of having a Debt Management Plan
Hello everyone Apologies if this has been covered a trillion times.... What are the negative consequences of entering into a DMP? If the main thing is your credit rating goes to pot, how long after you have paid off your debts does this last for? TIA for any advice!
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Overwhelmed by debt problems & its going to get much much worse
I am currently about £14,000 in debt - I have two loans one for £7500 and the other for £5000 plus a credit card debt of £1900 and am struggling to pay these atm. My ex- husband has today informed me that he will no longer be paying any maintenance to our two children - one is 19 and about to start university in September…
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JBW Bailiffs
Hi all. I have run into a bit of trouble with my council tax. I thought i had been paying it by direct debit, however it now turns out i haven't. I had a bailiff turn up on my doorstep, to which i managed to keep him outside at all times. I blame myself completely for getting into this situation, however after contacting…
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Friendly advice please?
Hi, Here's my current debt situation - £1500 - £2000 overdraft (charged £12 - £15) £782 HP 0% loan (Paying £112 monthly - ends Dec 2012) £4543 0% Barclaycard (Paying £145 monthly, (min payment £105) £3400 0% Barclaycard (Paying £85 monthly (min payment £75) £2500 HP 0% loan (Paying £70 monthly for 3 years) Total monthly…
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Halifax/CCCS advice please
Hi, I telephoned the Halifax today to complain that they had not replied to my letter re interest charges. They have agreed to stop interest charges as I am on a long term DMP. They state that I will be passed to their DCA within 2-3 months and will receive a default. The only condition is that I must not send any payments…
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Help with Debt Collectors
Hi there, I'm helping a friend sort out their debts and wondered if there are any standard template letters I can use to contact the debt collecting agencies. In several cases I need to find out what the debt is first and get the background paperwork. Any help would be appreciated.
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trying to take my head out of the sand
hi guys. ive decided to take the bull by the horns and try and get our finances in control. We cant seem to stay afloat and if one of us gets a short wage one month, if affects us for about 6 months and i cant take the strain and pressure anymore. ive tried discussing it with the people directly, but they werent willing to…
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Motivation time! How has keeping a budget helped you?
Hi everyone! To help on my budgeting journey, I thought itd be great to hear from the people who've already been through the hard bits and now are really excellent at budgeting! I'm hoping to hear how keeping to a budget has helped you? What are some positive outcomes that are helping you stay focused and keep doing a…
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No default notice received
Hi there, I'm looking for some help on removing a default that was put on my file from a mobile company and has been sold on. After I moved house I found out that I was not receiving all my post to my previous address as my address was prefixed with "The Coach House" and most of my mail had been being delivered to a set of…
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Debt managers LTd
Hi.I have posted in the past about other DCA's I now have recieved a fishing letter from 'Debt Managers LTD' - I recieved it friday and since that day I am also being bombarded with calls on a daily basis starting from 7:30 am - I dont pick up and they leave electronic messages saying to call them (Obviously Im not ringing…
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Victim of fraud - Carphone Warehouse
Hi All, I really hope someone can help before I lose my mind. I lost my home a few years ago due to being disabled and unable to work, so trying to do the right thing I carried on paying off my debts but last February it became too much and I finally declared myself bankrupt, this was discharged last August. Unfortunately…
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Sticky situation advice please
Hi all, my family are in a really sticky situation right now and I'm not sure the best way forward. I have included a snapshot of our outgoings and financial situation (EDIT. tried to but forum won't let me). As you can see, it's going to be pretty tight at the end of the month! Any advice on the best way forward or where…
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Tuesday 8th May - 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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have a buyer but shortfall on secured loan
Hi all Any advice appreciated! Have a buyer for our property (in NIreland)- first mortgage covered but not secured loan. Have offered to continue paying 2nd loan but to no avail...... Really don't want to lose our buyer (don't come along very often). Planned to rent and 'start over again' but frustrated that it may fall…
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I have NO signed credit agreement with NEXT
Im sorry I wasn't sure where to post this, hope this is the right place. I have an account with NEXT directory which ive recently fallen into arrears with. I owe £1,300 in total. I called them last week to ask if my monthly payments could be reduced. They agreed to reduce the payments to £80 per month which I can just…
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AGHHH - forgotten annual paypal subscription :-(
I'm so annoyed with myself :mad: I had an email the other day saying Paypal couldn't collect an annual payment subscription as the card was expired. Good, I thought, I no longer need the subscription (it was annual membership to a travel club I don't use). Yesterday I had lots of things sell on eBay, totaling about £90…
