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Co-Op Cashminder Accounts
What are the benefits of the Co-Op Cashminder Accounts? I have read a few posts on the forums regarding them but I am unsure as to what they are exactly and what their benefits are but would be very interested if one of those benefits is a lack of excessive bank charges (in exchange for a package of invisible services or…
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Do you have a credit card?
Hi Guys Not posted for a while, debts are cleared now yay! Still have one credit card left, £0 balance but £1500 credit limit available. Planning to close account, but scared to not have any safety net as dont have any savings built up yet. The thing is, whenever I have had credit available to me in the past I've ended up…
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Advice please -PayDay Loans/IVA (Fresh Start)
Hi all - apologies for long post and multiple questions!! Just wondered if anyone has used Fresh Start Financial Management for an IVA? I know there will be people out there who are gong to shout at what I'm about to write but I'm looking for genuine non-judgemental advice please as I know how stupid I've been and it's my…
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BarclayCard - Robinson Way 75% Ready to be written off!
Went through a very stupid experience in the early 00's with money. But things are on the up. I've got a few PPI claims in the pipeline. I owe Barclays £5K and I've been paying them via Robinson Way £5.48 a month on a mutual agreement. This would take me at least 100 years to pay it off. But I phoned debt collector today,…
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What if the debt collector steals the £1 Section 77/78 fee?
This is a bit of a new one to me. Got a letter from Lewis Debt Recovery claiming I owe them money on behalf of Moneyway. Never heard of it, no recollection. Sent the usual S.77/78 request with a postal order for £1. The next chasing letter from Lewis Debt Recovery the amount owed was £1 lower. A later letter then said "The…
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Advice please -Fresh Start Financial Management
Hi all Just wondered if anyone has used Fresh Start Financial Management for an IVA? I know there will be people out there who are gong to shout at what I'm about to write but I'm looking for genuine non-judgemental advice please as I know how stupid I've been and it's my problem to sort out but I'd just like some advice…
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End of the road
Really don't know where to go with this. Basically as it stands I think I have about 12k worth of debts. Probably about 8 creditors. I got made redundant about 3 years ago and was making token payments which stopped. Now as its stands I don't know who I owe money to. I get letters upon letters from debt collectors asking…
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Welcome Finance Problems
Hi All, Has anyone had any problems with Welcome Finance? I have had a loan with them for a few years now and still owe them £400. Over the past year I have been on a low income job, working all hours to try and get a decent wage, 50-60 hr weeks sometimes, and still getting below £1000. In June I informed Welcome Finance I…
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gambling debt help needed my story
Hi all, seeking some help here as i have messed up big time and don’t know what to do…. Here is my story, im 27 years old and im a betting shop manager who earns 17k per year. I have had a gambling problem (online casinos & poker) for the last 5 years which has now caused me to get into a serious debt. 2 years ago i…
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2 Orange Defaults
Hello I need some advice. I had 1 business account with Orange and took out a second phone which they registered as a completely different account with them. Now both accounts got into a bit of a mess and payments were missed. I received no phone calls from Orange to state they are unable to take payments etc. Accounts…
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Council Tax bill from over 6 years ago
I got home today to a letter from our local council, Tower Hamlets, saying I owe them over £1000 in unpaid tax, from mid-2005 to mid-2006 It claims they have numerous times written to me and sent bailiffs to try and collect the debt. However, I've never heard from them about this debt, ever, despite having been in Tower…
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Time to grow up
Hi Guys, So i have just done a budget planner to see just how bad things are for myself and my OH, i know that money is tight but i've buried my head in the sand and just carried on going as we were. I'm incredibly ashamed to say the results speak for themselves, we have clearly been spending too much for too long and now…
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My DMP - one creditor (Creation) just won't play ball, any advice?
I've had a DMP in place for the previous 2 and a half years. I owed approximately £30k and agreed to pay over £500 p/m to share out amongst approximately 8 creditors. Most creditors either reduced the interest or froze it, except for one credit card company that continued to add regular interest. Now 2 years into the plan…
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I can't believe I'm in this position again!!!
hello, I guess I'm just here to offload how I feel and about how disappointed I am in myself. I'm afraid I've gotten myself into debt again to the sum of £15,000 approx. I am so ashamed and disappointed in myself. I have been worrying about this for the past couple of days I have no one I can talk to. I can't tell my…
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Credit file default info please
Hi all again, I have been looking at how credit companies run files on us!, missed payment go from 1 to 6 then to an 8 then to a default. I have 1 default on my file which shows the 1 to 6 but not the 8 which on credit reference companies FAQ's states that 8 is when a company tries to resolve get in touch before it goes to…
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Bankrupcy
Hi I was wondering if anyone could advise me. I am a single parent and have got myself into a bit of a mess with money it all went wrong when I lost my job a couple of years ago and could not pay my unsecured debts and went into minimal payment arrangements with my creditors. I have since gained employment and increased…
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Sherforce levied my car,can anybody help me?
Sherforce bailiffs came to my door,unfortunately I just admitted my debt,was terrified as i,m on my own with a young child. He made me write down I would pay £30pm by standing order or they would take my car.He gave me a walking possession order,he told me was a court official. Ok have paid them £30 today,and have rung…
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Is there a way out?
Hi everyone i'm hoping this is the right place. I have a barclaycard, and my credit limit is £1000 which i have already reached. I'm doing my best to pay off what i can, and have a direct debit set up for £15 each month. It feels like it will never end, i have severe depression and it just makes me feel like i'll but stuck…
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Is this legal?
I have a statute barred debt from a relationship over 8 years ago. We've periodically received letters from Aktiv Capital, but as I know the debt is barred they been shredded. Today my mobile phone rang and a womans voice said she was from BT and needed to discuss my account. She asked for me by name, which I confirmed,…
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I've done it!!
I have my final payout from LTSB Credit Card! I was only expecting about £40.00 as my LTSB credit card balance was £90.00 I would have used the £40.00 to pay off the balance and pay the rest of the shortfall. Today, I had a payments of £1257.00 for PPI on the credit card! So I have just cleared that credit card, paid off a…
