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Santander won't close partially settled account
Hi everyone, I've recently settled a small overdraft with Santander at 40% of the £600ish balance. I am currently paying token payments to 4 other creditors. When I received no confirmation of closure of my account or letter confirming the payment/settlement/default, I called them (more than a few times) and they tell me…
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Defaults - Is this true
Spoke to Wescot Debt Managers today about a debt I had with Egg which was originally being managed by Frederickson Debt Managers, Anyway he mentioned that I was entitled to a full and finally settlement of the debt giving me a reduction of 10% - and I said thar was fine but the debt would always stay on my file. He…
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Trying to build a future
Hi, after years of burying my head in the sand i decided its time i try turn my life around and build the future i want for myself. Im a 27 year old compulsive gambler, who until recently has always believed i could make gambling pay. I have now accepted the fact i will never and have seeked help to over come my addiction.…
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On the brink, but still fighting
Hi all, I have heard many good things about this forum. Here is my story in brief: I am 29 years old and have worked since I was 16. I even worked full-time while studying at uni to avoid getting a student loan and ending up in debt and still managed to come out with a decent degree. After uni I continued working and have…
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Trapped in Wonga
First, I accept responsibility for this debt and have every intention to pay it back, but its also true that it feels like I'm trapped because of interest & fees. I originally borrowed £200 but now it has absolutely exploded. Almost a year ago I borrowed £200 for 30 days from Wonga. When the debt was due, I admit I should…
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Debt Free fro Credit Cards Please Help
Dear All, I have over the past couple of years been handling my debts and have now got down from £15k to 0 but I have recently found through a credit report review an outstanding debt of £3,185.12. Originally this was with Egg and the account has been dormant since December 2007. Recently I have received demands from…
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CapQuest seeking possession of house?
I am going through a similar thing, I had an MBNA card, they refused to honour the ppi so I claimed back only what I had paid in ppi. Unfortunately I was out of work. To cut a long story short. MBNA sold the debt to cap quest.... I was working abroad for 4 months and forgot to make my payments so they took me to court…
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Solicitors Letter.... response time
Morning sorry if this is in the wrong place. VERY long winded , but I'll be as brief as poss. A creditor believes we owe them money for goods. We've paid them for everything and can prove it. We have tried no end to sort out what they they think we owe, and they keep sending us a statement with 3 outstanding invoices- all…
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Struggling and need help....
Having recently had my LBM i decided that I wasn't going to repay my CC's, Loans and PDL's this month and instead start a process to enter into a DMP. So, I contacted Stepchange, setup a new unrelated Natwest bank account, cancelled all the DD's and SO's and asked Santander to stop any further transactions and close my old…
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Money transfer to pay off OD and also CCs
I'm in a very tight spot and struggling to think clearly so I'd really appreciate any words of wisdom on this. We have a good income but high outgoings and about £2k debt. My husband is hoping to change jobs which will involve a pay cut, but the saving we make on fuel and car maintenance will make up the difference. We…
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Friday, 27th September - What Small DFW Things Will You Be Doing Today???
When we start out on the Debt-Free Wannabe 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…
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Daniels Silverman Merseyrail
I got a train from southport to Liverpool after a long camping trip and lack of sleep. I purchased a ticket and got on the train i fell asleep when i was woken up buy 2 merseyrail officers they asked for my ticket and but i couldn't find it i had 3 massive bags on me and i just couldn't find it. Anyway, cut a long story…
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Who Will Barclaycard Sell To?
I am currently under in house Mercers. 2 cards are going to next step asking for full payment. Are they likely to sell the accounts on? Also who will it go to? Any Ideas. I have decided not opening post on sat will wait until Monday. Also any templates for CCA? Thanks for reading.
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How do you keep track of spending
Hi everyone, I am looking for some advice on the best way to keep track of spending please. My husband and I are guilty of burying our heads in the sand over financial worries and would spend first and worry later. So I am looking for some easy to keep, and maintain, budget tracking ideas please. I keep receipts but don't…
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How much do you tell friends and family?
Hi, I've been wondering how other people cope with a high level of debt and how much they divulge to friends and family regarding their financial circumstances. I have found a couple of friends supportive, but father in law who previously would openly ask "how are you getting on for money" now ignores the issue and hasn't…
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stoptober...saving £££
no not the usual smoking campaign.... What will you stop buying in October in order to save money? Perhaps a few suggestions could help us all save in few bob ready for christmas(arghhhhh) We have just stopped our sky subscription and from october 9th will be saving £32 a month,we have bought a freesat box for £40 and with…
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Incorrect default dates on credit files
With 2 of the credit ref agencies I have different data for the same defaults ( I have 2 defaults with a pdl company) I.e on call credit it says Start date : 12-10-10 Default date : 05/04/11 Default balance £120 Shows as closed and satisfied 2nd ) start date 2/1/11 Default date 02/08/11 Default balance £125 Shows closed…
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what needs to go into the budget
Hello all! I need a bit of help. I've pretty much have the DDs and groceries, childcare, entertainment under control in the spreadsheet. I do need some help with the big one offs throughout the year. What are they?? I'm trying to list them to work out what we can put towards these as hating the big bills. - birthday…
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Best way to clear an overdraft
Hi all, I'm a bit of a noob, but wanted to ask some advice. I have a £2,500 overdraft I would like to clear from my current account, as I am being charged about 20% annual interest. I'm thinking the best way to do this would be to take out a loan and pay it back over 18-24 months, as I think I can get a better interest…
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Removal of AP Markers - Barclaycard
I have written to Barclaycard on a couple of occasions asking them to remove AP Markers from my credit file as this is putting me in a worse position than someone who has made no attempt at payment (as per ICO guidelines). To cut a long story short, the AP markers will stay on my file until 2019 whereas a Default would…
