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Bailiff Fee's
Hi Can anyone tell me if i have worked this out correctly regarding bailiff fees after a levy has been placed Original Penalty - £82 First Letter - £11.20 + VAT = £13.44 For Levying distress where some does not exceed £100 £28 + VAT = £33.60 Total Claimable = £129.04 Also what exactly is a £105 Enforcement Fee and how can…
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Bah Barclaycard! - DMP Resolve - Min Payments
Not really mentioned my situation before so some small background. May 2009: Debt has become unmanageable and something needs to be done. do CCCS remedy online and says debt = £44579. SO is not ready for lightbulb moment so approach companies myself and go on reduced payments etc. Dec 2009: SO finally gets it. Do joint…
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Clearing my overdrafts advice
Hi guys. Ill get straight to the point here. I have 2 overdrafts from when I was a student in 2010. One from ulster bank for £1890 and another from HSBC for £950. For 14 months I was on job seekers and so had problems paying these back, as a result they went to the banks collections departments and I have been paying £5 on…
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Hire Purchase
With regards to Hire Purchase Agreements, if an agreement has expired but there are still substantial payments to be made then the rights and titles are sold to another creditor. Is it then the case the new creditor holds the rights and title to that agreement and ownership does not until all outstanding payments have been…
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Debt free at last!!
After being in debt in one form or another for the last 20 years I am finally debt free :) I didn't have as much debt as some on here (at highest point it was probably about £5k) but it was enough to make me feel uncomfortable. These boards are an absolute godsend - a great way to motivate and keep you on track. Now to get…
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Advice credit card debt
I've had two credit cards, paying a set amount through a management plan i set up. I'd like to clear both cards and have some cash but it isn't enough to clear all of both cards. Does anyone know if I will have to pay the full amount owed on both cards or can I ask if I can clear the debt with a reduced amount? Can anyone…
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Considering pay day loan
Considering a pay day loan as I'm skint until next Friday, what are the pitfalls as I've heard bad things
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Paying Debt Collection Agency for 6 years
6 years ago I got into financial difficultly and after turning to Pay plan, Black Horse refused to cooperate and took me to court resulting in a CCJ for £18k. Black Horse then sold the debt to DLC who I have paid £100 a month to ever since. 6 years on the CCJ went historic this month Problem 1. DLC have started chasing me…
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Help please !! bailiffs (equita)
Hi, Just came here looking for some help with a small problem i'm sure everyone has had before .... bailiffs ... I'll keep it short, 2 parking tickets issued by Poole borough council, I disputed one of them but it was rejected. I was totally broke at the time and tried explaining to them but they just told me I had to pay.…
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Ex husband and very old debt
Hi, a complex one... Around 10 or 11 years ago my then husband took a loan to pay a tax bill for his company and buy a new Mac (he was a graphic designer). It was with Intelligent Finance and it was some weird flexi loan where he didn't actually need to pay it back for ages. It was for £10k and was a personal, not a…
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shopping bills
hi all i have read lots of your posts with great interest and am inspired to save lots of money and get my cc bills slashes at least by 2014 , my challenge this week is to only spend 80 or less on food shopping compared to my normal 100 to 120 ???? will be very interesting to no if i can do it i would be very interested to…
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Debt recovery service adding £150 to the debt
Hi I have been unable to pay an invoice for a service a received a few months ago. The debt has now been passed to a cebt recovery firm who have written to me and added £150 to the bill. Is this allowed. Can they do this on their first contact with me? Infuriating. I hadn't paid the original invoice as I had a bit of a…
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Once I am debt free
would it ever be possible to get a mortgage? I had a flat 6yrs ago and it go repossessed it was an awful time in my life but I would love one day to get back on the property ladder properly - I currently owe £21k but once I have paid this back how long afterwards could I realistically get a mortgage - when would my credit…
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Just after debt advice
Between myself and my partner we have just over £21k in debt. All very old debt where all interest has stopped. I have written to all my creditors and offered pro rata payments. We only have £130 to put towards our debts each month as I will be on maternity leave for a year. All our creditors have agreed to this so that's…
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PayDay Loans
Hi, looking for some help with PayDay loans that I've stupidly got myself into. I've currently got 6 loans totalling £2,200 that I won't be able to pay off. Wonga: 866 28/11 Minicredit: 120 28/11 WageDayAdvance: 388 28/11 PayDayExpress: 388 28/11 ToothFairyFinance: 236 28/11 PayDayUK: 250 28/12 Is there a way that I can…
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I'm getting there....!!!
Well today I have just made a final payment on one of my Defaults, £216! All paid off, just waiting for that 'settled' to be applied now :) Just one more default to go which is £281, Im hoping to get that done and sorted in December and just have a cheap Xmas! I'd rather get my debts settled then splash out on gifts, I've…
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Problems with Co-op Basic account
Hi, We're not sure what to do as the basic account that Mr BR opened when we started the DMP is causing us problems. Basically, if he is paid on a Saturday, like this month, we cannot access any money until the Monday. Does anyone else have this issue? Is causes us issues as the monthly budget is so tight that on months…
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Rbs unauthorised overdraft
Hello, posting for my OH, she has checked her account this morning, and they have taken £48 in unauthorised overdraft fees. This was in relation to being £6 overdrawn for a few days when she was having a baby. She rang them and asked why she had received no letter explaining when these charges are payable. Their reply is…
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I would just like to say ..
Making contact with DCA's is the best thing I've ever done. Spent 4 years running away from them and worrying about it everyday, it feels so good not to have to worry about what letter I will recieve next, or if I will get a CCJ or not. Those of you who are running away from a debt you owe, take my advice and face up to…
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Discharged Bankrupt
Hi today I have been discharged from bankruptcy. Obviously I don't ever want to be in that situation again but their are some things in life that require you to borrow. I don't want to borrow right away as that would be silly, but firstly what is the best way of rebuilding my credit record to enable me to borrow…
