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Confused
Hello I have recently set up a DMP (or so i thought) with CCCS. I can access my dmp online, and set up my direct debit, which shows on their online system. But today i have had a letter saying "we have not received the required documents, and if you want to still set up the DMP please return" Cant get hold of them until…
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Help required for PPI refund whilst on an IVA
Hi, I'm posting on behalf of my friend who really needs some help she is 7 months into a 5 year IVA and has recently had a letter saying that she is entitled to a PPI refund for the money that she paid on a loan which were paid off before her IVA came into force. She was wondering what will happen with the IVA and whether…
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Robinson Way
Hi,i got contacted by Robinson way about a bill they say i owe.i got a copy of my credit check and this bill isnt on it,i thought that any bill that i owe would be on it.any help welcome
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Benefits crime chasing for money
Hi everyone, I have a question i'm asking for a very close friend of mine, Yes its not me ( I promise) He was claiming sick money for approx 2 yrs and also working from 2005-2007 , He then got caught and ended up doing 9 weeks in prison for 10k worth of benefits fraud, He lost his job while serving time and i believe he…
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Sainsburys bank turned down my dmp proposal..help!
Hi I'm new here. I am just starting a dmp with cccs. My creditors were all contacted last week and lovely mbna have agreed to my dmp. However, I have received a letter from cccs this morning saying sainsburys (credit card) have refused due to my recent spending! Incidentally the card as been max for ages so no new…
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Overdraft
Hi, I've posted before about our overdraft with. Santander. We no longer use the account, and with charges and interest our overdraft stood at £2500. We were paying it off at £50 per month, which was very tight but we managed it, anyway Santander have now decided enoughs enough and it's getting sold on to a DCA. So, my…
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Saturday/Sunday 28th/29th July - What Small DFW Things Will You Do This Weekend??!!
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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HSBC Joint Account
A few years ago my self and a friend had a business idea, took out an over draft with HSBC in joint name, i had my own card etc... The idea didnt work and we ended up losing money, we had about £1000 of overdraft that defaulted. On my Credit Expert account, the account doesn't even show up. But it does on my friends. Im…
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Santander Mortgage account Number
I have checked all forums but can't find anything - does anyone know sort code and ac/co for overpaying on your mortgage with santander - sorry if in wrong place - naturally i know you use your own mortgage ac/no as ref - many thanks
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Default notice
i entered into a debt management programme with gregory pennington in Aug of 2008 to pay £5 a month of an overdraft with halifax. After 2 years of paying the £5 a month i came into some money and asked gregory pennington to arrange a settlement fee with halifax in oct 2010. Halifax then passed my file to the collections…
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Council Tax - I don't live there!
Hi, Hope someone can advise on this (I'd be very grateful!) My father passed away on 3rd June 2010. His estate is still being resolved and the solicitor is paying the council tax. I have since received a demand for c. £1k for council tax at my father's house, in my name. I haven't lived there for over ten years and have my…
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DRO do I count care allowance and DLA as income
Hi I have been looking in to Dro / Dmp and wondered if any knew if I count caters allowance and DLA as income? I receive carers allowance for my disabled child and the DLA is for him. Any advice would be appreciated thank you :)
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Removing a default notice
i entered into a debt management programme with gregory pennington in Aug of 2008 to pay £5 a month of an overdraft with halifax. After 2 years of paying the £5 a month i came into some money and asked gregory pennington to arrange a settlement fee with halifax in oct 2010. Halifax then passed my file to the collections…
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Handling Robinson Way - not my debt!
Hi I see numerous posts on this site about Robinson Way but nothing exactly like the position I'm in For starters I think I'm fine as I haven't actually even spoken to them yet, but approx 3 years ago they started ringing my landline and leaving messages on my answerphone asking me to contact them. No mention of why, no…
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Insolvency register
Hi i applied for a DRO last june and the monaturium period was over on the 28th june 2012. Just wondering when my name will get taken of the register :)
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DFW Newbie
Hi all I've been reading this thread for a while and thought i would finally post my SOA. Just wanting some help and ideas of where i could save money. I got three credit cards all with quite high interest rates. I applied for a nationwide one today and got accepted with a credit limit of £2500 so will be transferring some…
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Finally Debt free!
Hi there everyone! I really wanted to share my story because I'm really proud of myself. When I was a student I racked up about £4000 of debt in overdraught, credit card and storecards. I have had this hanging over my head for the past 8 years. Until recently I rarely tried to pay it off because it seemed like too big a…
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Close my HSBC account ARRRG!
Hi all, just wondered if anyone could help me, I want to close my main HSBC current account but am having problems. This is my my main bank account which I use for all my bills. I have decided to change to RBS as I am getting charged on average £25 per month for unpaid direct debits as I am experienceing fianancial…
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Friday (Yippee!!!) 27th July - 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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Stupid comments by debt collectors
Hi All I was intending to stay "in the closet" about being chased by debt collectors, but this is just too good not to share. So, what is the most stupid thing a debt collector has said to you? A certain American Debt Collector working as an agent for an Irish Bank has recently emailed me giving me four options for sending…
