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What has happened to my pay day loan?
At the start of the year i took out payday loans from Wonga - the 1st one was paid back with no problem at all. I took out a larger 2nd one and then not long afterwards my job came to an end. I had tried to ring Wonga and email them on numerous occasions to explain my situation (most times not been able to get through or…
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ccj issued for husband that left me
Hi. Im new to this & hoping someone can help me. The postman delivered a letter addressed to my estranged husband today, i opened it & it is a ccj for £500. As it is addressed to my house, for which we have a joint mortgage im unsure as to what will happen. I have no contact with hi, he puts his half of the mortgage into…
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debt after 10 years
hello not sure if this is the right forum for this but here it goes,about 10 years ago i contacted a solicitor to represent me on my two younger children legal custody, my children are now 18 and 16 and i only became in debt with this solicitor because the childrens dad made things very dificult and he did take me to the…
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Trouble with catalogues help!
Hi Iv got a bit of debt with Littlewoods and Very. The debt all together is about at £400. I panicked at Christmas. I was paying the minimum each week as I had to catalogue a to pay off (which now looking at it was bad idea!) I have since lost hours in work. Which means I have not been able to pay. I then ignored letters…
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Credit repair following settlements
HI, I am a new member and I was looking for advice from people who have been in a similar situation to me. Will lay out the background to my situation as might be an interesting read. I graduated from university in 2005 with around £2000 owing on a credit card and int. free overdraft. I was quite lucky and landed a job…
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Paying in monthly installments
We are about to start calling through all of our creditorsand making payments on a monthly basis as we have literally been avoiding thisfor about 12 months. Since last May we have paid £8,395 off and we have £4,881to pay to be debt free apart from my overdraft but that’s still at 75% interestfree so I’m not instantly…
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Help Please - HSBC Issued a default 7.5 years after the last statement?
Hi All, long time reader 1st time poster! Please be gentle! Not sure if posting this in the right place but seemed like a good place to start! I have a situation, basically in 2002 i took out a Credit Card with HSBC, in 2005 i got behind in payments and my mum took out a loan, cleared the worst of it and i paid her back.…
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pay off natwest credit card or overdraft first
Hi , I have a gradaute account with Natwest and have an overdraft of £2,000, £1,000 of which will be charged interest at some point in July, I was told it would be 16%, or 16. something. I also have a student credit card with them which is at a rate of 18.9% on a balance of £500. I use the current account as my main…
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DMP review - don't want to tell them about pay rise!
Been on PP DMP since 2008. Annual review due, but don't want to admit increase in salary - I know it's wrong, but sooooooo fed up with living on the breadline. Advice please - I'm not normally a dishonest person.
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'Prove It' for an Internet contract?
About a year ago, when we moved into the new house, we changed Internet provider from Be to Virgin because the service at the new house was atrocious and for the same price as we were paying to get up to 20M we could get 100M with Virgin. Anyway, as far as I knew I was on a 30day notice deal, paid in advance, so when I…
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Balance Transfer Rejection
I just applied to do a balance transfer from Natwest of £2434.35 to a Virgin Money Credit Card account and got rejected. I do have a Barclaycard with a £7000 balance on it but a credit limit of £10,000. I don't get why I have been rejected? I have recently switched banks and only been with them for 2 months would that have…
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What a Mess
I have been directed to this site by a friend, who swears its the best place to be. I have been totaly useless with money the whole of my life. I have read quite a few posts on the forum and although my debts are small to some £1600 approximately , there is only my wage coming in the house, plus my housing and council tax…
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my SOA please help
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 1400…
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Paying off a debt, but they make it difficult
Recently I became a victim of ATOS and now have a sizeable cut in my income. I also have the bedroom tax to pay. As such I had to implement some cut backs and the phone and internet was removed/Cancelled. I was made to move flats due to disability and took my phone and internet with me. But due to financial cutbacks had to…
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Council Tax Summons
I have recently received a summons for council tax 2013 - 2014. Full amount + £80 fee. Two weeks earlier i received a letter asking for £140 or i would be summonsed to mags court. I paid £250 immediately and intended on forgetting about it until today when I could just pay the full 12 months and be done with it. The day…
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Why????
Why do credit card companies bump up interest so much? Surely they must know that if they put it too high people are no longer able to pay? This strikes me as a big case of cutting your nose off to spite your face by these companies. If they hadn't jacked up the interest I would not be on a DMP and they would actually have…
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Keep debt correspondence - forever!!!!
Hi, just wanted to share an experience so that others may not be caught by the same problem. A few years ago my daughter got herself into financial trouble, so together we contacted all the companies, explained she her circumstances and negotiated settlement deals. Everyone was happy, debts were paid and that was that - OR…
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Which order to pay off my debts?
Hi would anyone be able to give me some advice on my situation? I have finally taken my head out of the sand after running up stupid debts and living beyond my means for far too long. I took the first step 6 months ago by cutting up my credit cards and have not spent on them since, but I am currently only paying the…
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Capquest
I have had an agreement with Capquest for ages, since March 2010, and have fulfilled all my payments. I do not appear to have had a statement of account for two years. I have just received a text asking me to call them. Should I ignore this and wait until they write to me ? I have just checked the reference number in the…
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Wednesday 15th May - 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. :D But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
