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Introducing a new Debt Free Wanabee
Hello I have scoured these forum's on and off again a posted a few times but i finally feel like i really need to sort my finances out so i thought i would introduce myself. I have be quite lucky really i completed my Master's at university in October 2010 and was lucky enough to land a job earning around £30k a year in…
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Student overdraft.....many years later a letter from Wescot
Hi everyone, This is my first post so I will try and keep it as short as I can. When I went to university (4 years ago) I opened a Natwest Student account. Everything was fine and I was using the 0% interest overdraft, in my 2nd or 3rd year at University my account was closed because my student loan wasn't being paid…
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DFW next week
I have been on my current DMP with payplan since September 2009. It started out at 34,000 and is now at 28,000. My husband and i separated in September 2010 and i have been paying the DMP since then (he paid the mortgage). House has now been sold and next week on the 4th September contracts exchange leaving enough money to…
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T-mobile admits no default notice was served capquest is refusing to remove
Hi Today my OH received a letter from capquest who put a default on her credit file. This was in response to our request for a proof of default notice from them and they have advised us in that letter that t-mobile never sent us any default notice. However when she called capquest they are refusing to clear her credit…
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Identity Fraud
Dear All I have been a victim for identity fraud recently. Someone seems to have called my bank and moved money around from my accounts. The total fraud amount accumulates to around £8000. The bank was able to refund the amounts but is currently investigating the matter. Yesterday I received a Credit Card through the post…
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Paypal pursuing me for £130 negative balance
Hi there, I sold some virtual goods on PayPal 2 months + ago and all of a sudden at the beginning of August, 2 months after the transactions were made, 2 of the people I sold to (within 2 hours of each other on the same day) filed chargebacks against me (I'm assuming they're the same person) and both won. One of those had…
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creditor refusing to communicate in writing
i've been quite successful so far in communicating with creditors in writing either via post or email so that i have record of all thats said. however, i'm finding payday express are refusing to discuss anything with me in writing and will only communicate over the phone. this scares me as i'm well aware i have nothing to…
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Debt Free Today!! Close Accounts?
Hi All I'm Debt Free today :) Just been notified by Payplan. Very pleased with this, in fact super excited about the possibilities life holds now. I want to get a mortgage as soon as I can save for one - thinking in the next 2 years or so.
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Complaint about HSBC affecting my credit rating
I was contacted by a debt collection agency called Lowell Financial regarding a bad debt that was due to HSBC. I phoned up the debt collection agency and they asked me to confirm my name and address, I refused and they explained that they would not be in a position to assist me and I asked them to note on the file that I…
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Please help me! - Timeshare and solicitors letter from RCI
A few years ago my girlfriend (now wife) and I signed up for a timeshare in las vegas. We were told a pack of lies such as, get to choose the weeks you want, can book 30 days in advance, etc etc. Anyway, when we found out about the fact that everything we were told was a lie I spoke to the timeshare consumers association…
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Assistance Required
Good afternoon all, I am sorry to bother you, but just wanted to ask you for advice. To put a long story short, I have got myself in an awful mess with Payday Loans. I am in the process of sorting it all out and have just posted out letters to all the lenders asking them to accept a massively reduced payment just now until…
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Credit Report Advice - do all reference agencies need up to date info or just one?
Hi, I am new to the site - hello everyone :) Today I decided to check out my credit report to ensure all is up to date. I found that Equifax hold correct details of my current and past addresses, electoral roll membership and all my current and past credit accounts. However Experian lists me at an old address/old electoral…
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Marbles - my own & the credit card company
Hoping someone on here can help. In Feb I contacted CCCS & did everything they told me to about my creditors. 1st Direct were so understanding, tho still charged me interest for 3 months, before passing me on to a debt recovery agency. Have not had a single problem since. Marbles however, another story. Had too threaten…
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Credit Report Help please
Hi My husband and I checked our credit reports yesterday as we were hoping to apply for a mortgage. My score is very good but my husband's is not great. There are no defaults / CCJs / anything like that but because he doesn't have a credit card, mobile phone account etc then he has no history of borrowing and repaying…
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Travelling out of London, money saving tips!
Hi All Wonder if you can help, live in London. I am from up north and often have to make visits up for family events/friends birthdays. I wondered if you have any tips for saving travel costs. There is usually myself and my Bf travelling trains end up costing 100-150 for the pair of us (bearing in mind I have a rail card…
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Wednesday 29th August - 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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Payday loan Swamp...HELP!
Hi, I am in a very poor situation and am looking for the help and advice of the good people on MSE. I have recently split up with my partner of the last five years, we have a 4 year old daughter that we have been paying Nursery Fees for over the last 4 years. I have run into the PAYDAY loan swamp and now i am stuck and…
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Hello from a new deby free wannabe
Hi All Long time lurker on here, and just finally wanted to get round to introducing myself Myself and my wife have a combined debt of about 26k, paritally as a result of frivolous spending, partially as a result of purchasing a large house before we could truely afford it, but mainly as a consequence of my wife leaving…
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The Spend Free September NSD Challenge
Welcome to the September No Spend Day (NSD) thread!! We are a happy (and some might say mildly insane) bunch doing battle with those retailers - and there’s plenty of temptation out there at the moment. We are seriously committed to saving money, but nobody said it can't be done with a smile on your face - so we organise…
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*~* SEPTEMBER Make £10 a Day challenge! * All welcome*~*~*
:j:T:j Hello to all newbies and regulars and welcome to the September £10 a day Challenge of 2012. This challenge first started in September 2007, so this will be the 61st Month that this challenge has been going . So thanks Batgirl for starting it and Nat21luv, SweetPeas, Aesop, Purpleroses, JesaRose and MizMir, who also…
