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Riddled with debt please help
Hi im 23, im horrendous with money as youll soon be able to see after reading this, i owe around 10 payday loan companies somewhere in the region of 5-6k i also owe 2 credit card companies around £250 each and owe friends and family and ee for my phone contract around £500 as well, iv twice started one of thos debt…
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Iva sos
Hello, I am searching for advice on IVA. I have read the very helpful and informative pages on IVAs on this site however I have a couple of extra questions if anyone can help... My husband and I (and 3 small children) bought a house £225k 18months ago putting a deposit of 10% (£20k plus an extra £5 for immediate work…
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Bailiffs chasing council tax after 5 years, 7 months
I have got a letter from the council for a CT bill on a flat I used to live in on 2008. I have been working away for last two weeks so didn't get around to querying it. I believe I had paid all CT on that address (so e to bailiffs as I was paying off debts from previous tenant, a family member). I have now got a letter…
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Help and Advice please
I have just started my DMP with stepchange, all was going great and I felt like I was starting my road to being debt free. I had applied and been accepted for a new bank account and the "switch" was all going through. I contacted my new bank Santander switch team to make sure all my income, salary, tax credits etc would be…
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Woolworths arrears collection shambles
To be honest I am still in shock with what has just happened to me. Rather than write it all again I will post the message I have just emailed them I have just partaken in a phone call with the worst customer service I have ever had the displeasure of taking part in! Firstly a bit of history on my account, I opened the…
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Court Summons Help Scotland
On the 27/8/2009 i sent a CCA request to the TSB for a credit card with proof of postage, no reply was ever made and debt passed to MHA collections on the 18th November 2009, received a couple of letters then nothing until a few days ago..... received a letter from Yuill and Kyle stating they were acting on behalf of…
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Really would appreciate some help before things get really bad
...please :o I am not a newcomer to MSE, but shamefully my husband and I have been sticking our heads in the sand for too long and it came to a real head last night :o I am posting my SOA below, with comments. We have tried working out ways to help already, but would appreciate any suggestions. This shows a surplus that we…
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Help :(
I need to get my act together. I haven't been very sensible or responsible and it needs to stop now before it gets out of control. I have two credit cards and an overdraft. Debt is totalling £3,700. I'm thinking about a balance transfer for the two credit cards so that I can get onto a 0% interest period and save money…
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ccj problem
hi,i had an arrangement with the court,which i had been paying for some time.i contacted my creditors,and asked for reduced payments,which they agreed to,if i provided some information about my income.i waited and waited to hear back from them,they did not respond.When i phoned them,i was told that my debt had been passed…
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need advice about debts
Hi I am just searching for some advice really ... sorry its a long story but I want to write the whole story so I don't get any abuse !! Basically every month I make 1500 my rent is 400 council tax 81 car insurance 61 phone bill 42 gas 71 ( including arrears ) 25 electric amigo loan 309 uk credit 239 varooma 224 basically…
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Hoping for some guidance with debt problems
Good day, firstly I apologise for not taking the time to read through the forum to see if there is existing answers to what I would like to know I haven’t done this because I don’t know if it would make me better or worse about my situation so I thought I would make a post and see if anyone could give a minute to read and…
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SOA putting it all down on paper has frightened me even more
Household Information[/b] Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1214 Partners monthly income after tax....... 0 Benefits................................ 0 Other…
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Lowell & vodafone
I had some letters from Lowell in 2010. I read some post on here about it and was pointed in the direction of the 'prove it' letter. I sent this to them by email and never heard from them again. I'm in the process of applying for a mortgage and this morning checked my credit score. Guess what? The debt to Lowell is still…
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Template for vulnerable person letter?
Hiya all, Just trying to help a friend of mine out. Last year she suffered a severe rape and sexual assault and has been off work ( until last month ) and receiving specialist police counselling for it. In this period of time she has got behind in repayments and one debt ( to an individual ) has gone to the high court and…
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Debt Management Companies and Charities
Are we allowed to share our experiences of the various debt management companies and charities? Good and bad? It's been a while since I came here to use the Debt Free Wannabe forum and it's all changed. I've done some searches and they all came up either incorrect or closed. I know it's not recommended to go to the finance…
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Newbie - SOA Attached
Hi All, Although this is my first post, I have been a long term reader on this site and have tried to implement some of the suggestions put forward. However, as some would say, I do not think I had hit my LB moment………..until now On Saturday morning, I received a letter through the door from the bank regarding my £2000…
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Debt Recovery Plus Ltd / UK Parking Control Court
Hi, To cut a long story short i had a delivery to do at a retail park which the store had no delivery bay, I stopped at the side of the store (not blocking anyone ect) left hazards lights on and side loading door open while i ran in and out of the store, Come back to a ticket on the window and no ticket person around.…
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Scary!
Just done something for the first time ever, reduced my overdraft limit from £1500 to £700 May not seem like much but it's a start! Actually being in the position to be able to do that is an achievement for me, hoping to reduce it to zero in the next few months and then I will be officially debt free :j
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have i been scammed?
has any one used ".plumbworld" at all? ordered bath panels from them, needed to change date of delivery, as they emailed me Thursday to say they would be delivered Friday, and I had to sign for them.spoke to customer services, they said fine. next got emails saying i'd refused to accept the goods when they delivered them,…
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Fredrickson International?
Morning guys! For the last week or so, every morning I've woken up to text messages from Fredrickson International, apparently a debt collection agency. I've seen posts from a few years back on the forum through google, but I was wondering if I could get some up-to-date help. I'm 21, and the only outstanding loan I have is…
