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Santander Car Finance and DMP
Hi All I have a DMP set up with StepChange but I had problems making payments to my car loan with Santander a while back Basically before the DMP was set up, Santander wanted payment in the middle of the month, 2 weeks before payday and I couldnt do it. (when I took my car loan out the salesman asked me what day I want the…
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Would you like to be in a magazine?
Hi everyone A magazine has asked us to help find a shopaholic who's had their lightbulb moment. If you're a woman in your 30s or 40s who was money phobic and ran up credit card debts due to shopping but have had your lightbulb moment on MSE and the forum and are now "reformed" give us a shout today (the mag needs to know…
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Capquest
Hi I have been paying a debt which I had with an Egg card through this company for over 7 years at about an average of £10 a week but have no idea how much I have left to pay, I contacted them via email last year requesting the balance and a record of all payments to this account but as yet have had no reply. I have no…
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Statute Barred
Can anyone help with this query. I was sent a letter from [FONT="] !st Credit[/FONT] from Reigate contacting me about an account I had with The [FONT="]Abbey [/FONT]National in 2007. I moved addresses in May 2007 and had nothing to do with The Abbey since then. In July 2007 I left UK to work abroad I have recently…
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Wednesday 25th September 2013 - 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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Credit card payment help
Could I in theory not pay my credit card this month? For one month ONLY? I literally can not afford to pay it and if I do I will default on council tax which is a priority debt? Also I'll go over my overdraft and get charged and be in a viscous circle... Argh. We are doing everything we can to reduce our outgoings at the…
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Help please
Hey everyone, After some advice please. I got myself into a bit of a mess. I had a few loans etc which I was managing ok but I lost my job and now keep getting letters saying they are going to take me to court. I have been told that its very unlikely as its unsecured debt and it would cost the company more then it worth so…
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StepChange Advice
Hi, I have contacted StepChange today after being advised by a friend to give them a call. I have over 12k in debts, 2 credit cards, bank loan and overdraft, all maxed out. I am struggling to pay them on top of our other bills. They have advised me to open a standard bank account and transfer my priority bills and wages…
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Qmee - Is there a catch
Hi All, I've seen a few people post about Qmee and decided to check it out :) It does seem to be too good to be true... Is it? is there a catch im missing or is it all good :) x
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Advice needed on bank accounts
Hello I haven't posted in a long time and our financial situation has not got much better:eek: .. We currently bank with natwest and have a loan and large overdraft which we live in .. I am looking at switching as I want to clear the overdraft and pay it off monthly but OH thinks if we move it affect our credit and chances…
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Message left with a colleague
While outside of the office on a break, Capquest called my work number today and left a message with a colleague stating that they were calling from Capquest and could I call them back. I'm not aware that I have any outstanding debts, let alone any through Capquest. I have had no correspondence to my home address, nor any…
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The impatience is making me feel depressed
Hi everyone As you can see from my siggy I am nearly there! But for some reason I feel depressed. My DFD just feels so close yet so far. I keep logging into my stepchange account and working out what my amounts will be over the next few months. I am doing nothing else. House is a state and I look a mess. I think of that…
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DMP or IVA. Which and why?
Hello all, I posted this in the IVA & DRO section earlier today and one of the users of that board has kindly directed me in the direction of you guys over here. I've tried posting a link but am unable to do so as i'm a new user and it's a sign of spamming so here is what I posted in said thread: Any help or advice you…
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Debt making me very very depressed
Hello all Very first post on this site. So I have taken steps to control my debt (post relationship break up), by contacting Step change who advised me because of having 4 creditors and debts of £18500 to go on a DMP. All seemed to be going well (appears 3 of my creditors have accepted) apart from HBOS refusing the payment…
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Not sure what to do
I have ten creditors, totaling less than £5000, who have been on a nominal DMP (originally £5, increasing to £10 each per month recently) for some months now due to income issues. Those issues have now resolved, and I'm about to send out proper pro rata offers, which for some creditors more than triple what they've been…
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Which is more important?
Having a difficult time again :( I have unexpectedly got a new debt! Child tax credit apparent overpayment, now sent to DCA Anyway, to my question, apart from the credit cards I have what I would call 3 important debts. Mortgage arrears, NI contributions and now this tax credit one. Should I concentrate on one over the…
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Lowells / Dryden fairfax - CCJ help
Hi All, I posted a while ago that Drydens had taken me to court over a balance i dispute from 6 years ago.. the advice at the time was to contact the mediation services, issue a subject access request and request all information that they intend to use in the hearing as well as request evidence of the balance. I did this…
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How can I trace original lenders or agreements on debts?
After a stressful conversation with my husband, it seems he has gotten into a little bit of a mess with some payday lenders, i'm trying to sort through it all for him, but they seem to pass from company to company, each trading under different names, I cannot figure it all out. Is there a standard letter I can send to each…
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Mobile Debt
Hi all I'm looking for some advice regarding an issue with an old mobile account. Back in 2011, I had a contract with Vodafone. Due to a billing error, I received an bill for just under £400 worth of call charges which was due to them billing me £1.00 per minute to call Ireland when it should actually have been 5p per…
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Missing £1 and 1p?
I transferred £20 pounds to my Credit card as an additional payment yesterday, afterwords checked my bank, and £1 extra is missing from my available balance? Signed up for noddle after this to check my profile for free, checked this morning and another 1p is gone :S? I know about the missing one pound thing, is this for…
