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Advice for illegitimate HMRC VAT Debt Collection UK
Hi I was hoping someone here can give me some advice on a debt I have with HM customs and revenue. I looked at the stickies but it doesnt seem to help and im fairly uneducated in leagal issues and therefore vulnerable to extortion. Let me explain.. A few years ago when I was in college I decided to try my hand at online…
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Food Shopping help
Hi, I know a lot of you are so experience in doing the weekly shopping cheaply so I am after your advise. I have about £20 for shopping this week. All debts, bills and essentials paid yippee! So we always take packed lunches and don't eat out and we love all food not fussy so what should I buy when I do the shop? We…
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New here
Sorry for the 'double post' but I just realised this might be better in here! Hi Everyone I was just looking for some general advice. Me: £14,550 in debt – used to use PayPlan but stopped makingpayments in 2009 when I lost my job and ended up in various temp jobs (nothing stable) and letters go to my parents address.…
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How best to repay HSBC loan- help please
Hi all I have been a "lurker" for some time and your ideas and mutual support has been great to read, so thought I'd take the plunge and get involved myself. Here's my story: I have a £11440 loan with HSBC which I'm repaying at £432.11 a month, due to finish December 2014 but i want it gone sooner! I am in a fortunate…
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what letter to send to DCA, refusing a home visit.
ive asked this on here before, but i cant get onto the other pages of mine that show my old posts: only page one!!!! someone gave me a link to a letter on here, that i can send to a DCA, who are threatening a home visit. very grateful if someone can point me in that direction again. many thanks.
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Thursday 13th September - What small things will you be doing 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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Bailiff advice
Okay, at 7:45 on Monday morning I had a bailiff knock on my door re council tax debt I explained that I could pay today £703.50. My tax credits and pay go into my bank today. I have got to ring after 1pm. Now, a problem, my tax credits have gone down which I was unaware of, leaving me £150 short, thought I had this all…
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So happy right now!! Under control at last
:j Last month I was really quite stressed by payments that I had going out on debt repayments, which left me with not much and hence I kept going overdrawn. It was on my mind all the time and I decided it couldn't continue. I've been reading and reading the forums and Googling like mad, and really working hard to think of…
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C.A.R.S chasing debt already paid
I previously posted about Yes car insurance charging me a fee for not cancelling my car insurance before deadline period. They took £20 odd out of my account in January a few weeks before my direct debit should have gone out. I'd not cancelled until the day after the renewal deadline, so knew they were within their rights…
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Lowell finance
Hi everyone, can anyone help me or put me in the right thread that can, i have today recieved a letter from Provident Personal Credit saying that, Lowell finance have sold all the rights to them relating to a debt i have with Vanquis. I havent paid them as it was in dispute some years ago (to be honest it was prob around…
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Trouble with payday loans
Please do not judge as I know what I did was silly. I have got 5 payday loans all of which are due to be paid at the end of Sept/beginning of Oct. I have just lost my job and am unable to pay any of them back. I have absolutely no money at all so I cannot even extend the loan and pay a little bit off. I have applied for…
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Help with repayments
Can anyone help me with a question. If you have entered a repayment plan with a debt agency can they suddenly start hounding you to up the payments. They have been calling none stop and am waiting for a letter with reasons for this sudden wanting of them to up my repayments Any help is appreciated Thankyou
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Default notice
i had a current account with nationwide which I ran up an unauthorised overdraft due to moving house in 2007. They issued a default notice in 2008 which they issued incorrectly.I entered a debt management programme in 2008 and they negotiated a payment plan with nationwide which was settled in 2010.my credit file in 2012…
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Need your advice again.. Do I sell?
I've continued to lurk whilst carrying on with my debt free journey. But I'm now at a crossroads and not sure which route to take..... As I haven't always been financially savvy in the past I would appreciate any advice or comments on is this the right path to take. I have the oppurtunity to move (on a long lease rental…
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Lloyds loan PPI claim
Has anyone had any success, claiming their money back for PPI on a Lloyds bank. A friend of mine agreed to PPI but I think it was miss sold to her as she mainly did agency work, I imagine that the PPI agreement wouldn't cover this. She believes they'll cancel her whole loan if she tries to claim she was miss sold PPI and…
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On track now.
After reading a few threads by various posters explaining their debts, and being humbled by there true courage and honesty with what people have posted. I thought I would pluck up the courage to write about my debt issues. It started when I was around when I was in my late teens and early twenties, however I'm a bit wiser…
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Consolidation
Hi, Im new :p Im looking for some help advice. I have about 8 small 'debts' (store cards/catalogues/paydayloans/etc.) and Id love to borrow about £3000 over 2yrs to get the bulk of them paid off. My problem is that nowhere will give me this loan as I have poor credit due to not being able to keep ontop of all these small…
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Help pls
I will try to keep this as simple as poss, feel free to ask questions if its unclear. Am in the process of splitting with husband, after he had an affair, I am hoping to remortgage the house to raise money to pay off debts then he can go off on his merry way. However, the problem I have is if I can't remortgage, what to…
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What should i do?
A "friend" from my past who I last saw/spoke to about 12 months ago has suddenly declared I owe him £1250. He never gave/lent me any money - I have even checked my bank statements because I was so worried that I was mistaken - I dont really know why I checked because I know I never had any money from him. I am worried that…
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Young and Hopeless!!
Hi all! I want to be a Debt Free girl by my 28th birthday. I am 25 now. I need some help and just somewhere to vent my frustrations. I am about 6.5k in debt. I live at home with my parents and they are up to their eyeballs in debt too so I get no help or sympathy from them. All my friends are very judgemental about money…