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Debt collector threat visit from Meritforce
Morning guys. Basically I'm in a spiral with payday loans. One of my original payday loans got passed from Quickquid to Mackenzie Hall and now to Meritforce debt collection agency. I sorted out a DMP with CCCS a little while ago. As far as I'm aware of Mackenzie Hall had accepted the DMP offer, only problem is due to some…
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Spending Money to Make Yourself Feel Better
I am halfway through the MSE debt and mental health guide and never put the 2 together before. But am realising that I do do this and wondered if anyone else does too? For example yesterday I had a roast chicken in the oven but the kids were hungry and instead of peeling potatoes and finishing off the roast, I somehow…
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My SOA - gone back to my bad ways
At one point we were in over 40k for debt and got out. We are earning more now but we have got so bad, we are leaking money left right and centre and need to sort ourselves out. I am working all hours building up my clientèle and its starting to pay off. I want my own salon and i need to sort my finances out Statement of…
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Link financial have brought my MBNA debt
I wonder if anyone can help, my PPI dispute is with the ombudsman, but mbna have sold my debt onto Link financial. Can anyone advise me where I can find the template to find a CCA letter as reading other posts this seems to be something I sould ask for. Thanks for any help.
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SOA forms?
Whats the link to filling one in?
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Advantis Credit question
Morning, Brief summary - received a letter from these guys that asked me to contact them regarding an "outstanding business matter" from a former address, which I ignored. The next letter from them said that I owed an amount related to water service charges. My response to that was to send an unsigned "prove it" letter via…
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Monday 23rd September - What small DFW 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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Full and Final Settlement - Personal Guarantee
Can anyone advise? About ten years ago I signed a personal guarantee for £50000 for a bank loan for a business which folded.The bank (HSBC) have been accepting £60 a month since then as I was in (and still am) in difficult circumstances. I have never missed a payment and they contacted me recently to see if I can increase…
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Help! (gambling, debts, finances)
I'll try and keep this simple and to the point. I have been living in work accomodation since July (it's literally a single room with a sink, shared kitchen and shower) as I lost my flat at short notice and had to find somewhere urgently. At the same time, I have unsecured debt of 30k plus. I was on a debt management plan…
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30 day list
Well I read on the forum somewhere about making a 30 day list. This is a list to help you stop spending. I took up the challenge and it worked so I thought I'd share it again. Basically if you want to buy something, add it to the list with the date. In 30 days time you look at the list and if you still want it, buy it.…
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Some advice needed on paying debts
Good evening, I have taken responsibility for paying off my mums debts. She has a halifax loan £6k ish, a halifax C/C 1.5k ish, car finance 1.5k ish and a Capital One credit card 5k ish. All are in arrears, both Halifax debts have just been sold onto their 3rd people, Cabot something. All are frozen interest, accepting…
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Newbie here looking for advice.
Me and my partner are having some money issues at the moment. My partner works full time (shift work) and I dont work as i stay at home with my son (he does go to playgroup 2 hours on a mon,weds and fri). We have 2 children, 4 and 2 years. And because my partner done a lot of overtime last year to pay for our childrens…
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Do you think our children have learnt from out mistakes?
In the spirit of avoiding doing the housework that so obviously needs to be done, I thought I'd take the opportunity to post a question I've been meaning to post for a good few days now. Excluding small children who may understand the difference between pre-LBM and post-LBM by the differences in what gets purchased, or the…
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Boyfriend hiding HMRC debt
I've been with my boyfriend 2 years, we've lived together for nearly 10 months. We share all bills from a joint account but we have our own debts. I have an overdraft of around £1500 to pay off, he has a credit card and loan of around £2500. Recently he's been getting HMRC self assessment forms (odd because he says he's…
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Oz Debt
I recently received a call from an Australian Debt company having left the country over 10yrs ago. They claim the bank I was with when there recently went to court and subsequently passed on £1000 debt to them. What may have happened is I've transferred the money out of the account but not closed it and either a…
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Personal guarantee for Business Overdraft
Hi all, I'm new to this forum but would greatly appreciate any advice or comments with regard to my situation. My Husband and myself had our own business up until March 2012 when devastatingly we had to put it into liquidation. In 2009 we took out a business overdraft as the recession was taking it's toll. We had to give…
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Dealing with Apex credit management
Hi all, I had an old student overdraft with Natwest that has been passed to Apex, it was for c£2k and I've been paying £75 a month for the last year or so. I've started a new job and am able to clear the balance, but was considering making them a settlement offer (I have £1500 on a cc that I'm also trying to clear and the…
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SOA...it's worse than I thought :(
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 954 Partners monthly income after tax....... 0…
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Releasing equity from my late father's home
Hello I was made redundant in August this year. With a big mortgage and other unsecured debt to pay, things are looking very tight. Can anyone advise on the release of equity of my late father's house. It is in "our name" - me and my 4 brothers and sisters. They are unwilling to sell it now. But I could really do with some…
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Ccj
Hi, Looked through my credit file couple of weeks ago to find to my horror that i had a CCJ so i emailed the court to get the information which i got a reply today to say it was Arrow global through a solicitor named Bryan Carter. My problem is i know what it is for but i have been fighting them for nearly 5 years now and…
