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You need to get UPSET....
http://m.youtube.com/watch?v=6Qz4taVE6OQ Enjoy!
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Who's joining us now on twitter for #dfwbloggers?
Evening all! It's that time of week again. Join us on twitter at 8.30pm if you can. It'll be great to chat. It's all about inspiration and motivation and it doesn't have to strictly be about clearing your debts. Anything MoneySaving is fine. Just include the #dfwbloggers hashtag in all your tweets to join in. See you later…
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Help and advice needed
Hi everyone, another newcomer seeking help. I have just returned to the country after living overseas for the last 7 years, only today to be hit with a letter from a DCA landing on the doormat. We went through a tough time in 2005/2006, due to some financial problems we ended up in debt. The upshot of the despicable…
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9/10 year old debt!!
I'm hoping someone is going to be able to explain what I should do next, in regrad to yet another debt collector has contacted me!! I will briefly explain my situation. When I was 18 I married a very unsavoury character to say the least! Who had me run up bills with every phone company and catolouge that would give me…
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Over my limit and need to get on top of the charges
my credit limit is £1,700.00 and I am over that by £91 and am getting charged £12 a month plus an extra £14 in interest. I pay £30 a month at the moment. Can anyone figure out for me how much I need to be paying a month to get this debt gone before it spirals out of control? Many thanks Lauren
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Charging Order!
I have some debts which I got behind with due to a big drop in my income, all bar two accepted my reduced payments which I am managing fine. The two that didn't have both obtained CCJ's but the courts accepted my payment proposal which was the same as I originally offered the creditors. The most recent one despite me…
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All advice Appreciated
Hi everyone! I have (another) question. Does anyone Know if Royal London/ Scottish Life carry out a credit check as part of their pre recruitment process? I have gotten to the third stage of the interview process and am feeling really positive, not least because I might be about to get a job which pays enough for me to…
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Does Checking Your Credit Rating Give Information To Your Creditors
Hi, this week we want to send out F&F offers to my cousins creditors. However, before doing so I want to check his credit rating as he thinks one of the debts is 7 years old and there has been no contact between him and the company (02) - so would be statute barred. However, he has not had any sort of credit for three…
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Best way of getting my payments down
Hi, I've built up a large, expensive debt, £6k on one card (cancelled to avoid the rates going up), £3k on another. I'm paying £300-£350 a month but around £200 of that is interest so I've the double whammy of it taking a very long time and eating up a massive chunk of my money. I've never missed a payment always aim to…
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Banking Group Offsets
I'm in a DMP with Stepchange. One of my major creditors is Lloyds Bank. I have a Bank of Scotland basic Cash Account that I would like to use (already up and running). However, because BoS is part of the Lloyds Group does anyone know if I were to use this account the Group could offset any balance in the account against my…
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Bailiffs coming today, help
I have received a letter saying the bailiff is coming today, from the courts regarding a water bill. I have made an offer to pay an amount monthly and sent a cheque last week to the courts with the amount of my proposes first payment. They have sent me a receipt, but nothing else so am unsure if my offer has been accepted.…
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Sky Direct Debit Fraud
I have never ever been a Sky Subscriber in my life. Couple of years ago, an unrecognised Direct Debit appeared in my monthly bank statement for Sky Digital subscription. I informed Sky it was not from me and was a fraudulent transaction. Sky said that someone used my bank detail to pay for his subscription. Due to data…
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0% Interest Credit Cards
Is it just that my risk rating must be reducing or is it getting easier these days to get a 0% interest credit card? In addition, my limits are being put up allowing me to maximise 0% even further (recent example was Fluid who raised my credit limit by a further £4K and offered 0% until March 2015). For about 2 years up…
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Advice please
When I split from my husband 6 years ago I had £40k of debt. I paid the majority off from equity from the sale of our house, leaving about £5k in 4 debts. 2 of those have gone past the 6 years so no longer show on my Equifax file. The other 2 worth £2100 have 12 months and 26 months left before my 6 years is up. My Mum has…
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My lucky week
earlier this week I signed up for £5 a day challenge:- the first day I did the money makeover and I saved ££21a month on my water billwhen I pointed out I use communal washing machine, and don't have a dishwasher,and its only me yesterday I found out when seeing the bank to open 2nd account (martins advice) that I have…
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Lowell's & Lloyds TSB bank charges!!! PLEASE HELP! :(
Hi Guys, I apologise for the long post however i want to get as much info out as possible :) My parents opened up a Lloyds TSB account for me when I was 12 years old, they put money away each week and when I was 16 they gave me the card, I spent half and saved the other. fast forward to when I turned 18, Lloyds upgraded my…
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How to complain about Lending Stream / Portfolio Recovery debt fraud
Back in 2010 I received a letter from Lending Stream about a debt in my name. I’ve never dealt with them & it wasn’t mine so I wrote to them, got a police crime number, they acknowledged the loan was fraudulent & I thought that was the end of it. Now it 2014 I receive a letter with the same reference, saying they have…
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Hoist Portfollio messing me around. Advice needed.
Last year I was offered a settlement offer payment on an old debt I owed to Next. The settlement offer was made by Hoist Portfolio. I owed approx £1000 and the settlement offer was just under £500. I paid the settlement amount but received no confirmation, so after a few weeks I sent them a letter via recorded delivery,…
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How do you stop yourself getting down about the time it will take?
Mine seems relatively short-4 years and possibly sooner if I manage to pay anything off quicker but I think because it's only coming up to month 2 of my self managed DMP it just seems like it's taking forever at the moment.I just want it gone.For good. I want to move house but can't afford a deposit until all this debt is…
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Country Court papers served
Not sure if this is the correct forum but could really do with some help. I live outside the UK but own property there (in negative equity and cant sell). My husband still lives in the UK. We owe service charges which we cannot afford to pay. We have asked other side to approach NRAM to pay same as we dont have a single…
