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Advice re Mortgage and Credit Card
Hi, I'm very much thinking about a DMP as my debt is spiralling out of control and I'm so worried. Will it matter that one of my credit cards is with the same lender as my mortgage? All payments are up to date but I'm so concerned that I might lose my home.
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where do i start? in such a mess!
hi there, im sat here not able to sleep feeling sick in panic about what to do. Im up to my eyes in debt, about to become a single parent and wondering how the hell im gonna get through this financially! Long story - but over the years ive used credit cards and took out a loan to clear them at one point, then needed to use…
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SRJ debt collect letter
Hello all. I have just received a letter from a company called SRJ Debt recovery agency. Stating that " They behave made enquiries for confirmation of your currant place of residence. Information has been received confirming that your address details have changed to this address. Due to Data protection legislation details…
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DMP and Capital One...Defaulted after 1 month?!
Hi all, I am new to the forum and would like some advice about whether I am in a position to appeal a default. I signed up with Step Change last October, and sent letters to my creditors advising them of this. It took SC around 6 weeks to secure all the necessary repayment plans with the creditors, and I thought all was…
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help with store card
Hi, does anyone know if you request a copy of your store card agreement whether it comes under the same ruling as requesting a copy of your credit card agreement
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The importance of a budget!
Hi all, Just thought I would let you know a 'first' happened to me today. I had a bit of a LBM 18months ago and have been slowly sorting my debts out and am no longer spending money that I don't have. Instead I have envelopes (some literal, some bank accounts) for everything and I add a little every month. I've always been…
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Most amazing website for Budgets and Spreadsheets
Hi All Browsing across the internet tonight, I came across this site : http://www.vertex42.com/ They have FOR FREE, an amazing array of budgeting tools and spreadsheets. I've only just started exploring, but it seems well worth the effort. For all those who are not Excel experts (me included), this looks like the perfect…
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General form of judgment or order
I hope someone can help me here. Apologies if I am in the wrong place. My daughter went to Derby County Court on 25th March as the defendant for student rent that she was said to owe. She turned up at the time stated but the claimant failed to attend so the case was adjourned. Shea has been awaiting a new hearing date when…
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Will this cause me major problems in 2 years?
late payments and mortgage application Hey, I have 8 late payments ( only (1) markers) on my credit file. If I was to make every payment on time from now on, what impact would these have on a mortgage application in 2 years time? I know that they stay on file for 6 years but would 2 years of perfect pay
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What does LBM stand for?
Hi, just a quicky, I've noticed on a lot of signatures the letters 'LBM' and just wanted to know what it meant. Cheers
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Motor Mile Finance & Cash Genie
Hi, I have today had a called from a company called Motor Mile Finance who are saying they are now looking after Cash Genie debt. I took out a pay day loan in 2010 of £200 i then went into financial difficulty and couldnt repay the debt. They are now saying i have never heard of them before i have to re pay £1713 as this…
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Time to get Debt Free!
OK, this seems a great place to not be judged so here's my current situation! MONTHLY INCOME Basic Pay : £437.97 EXPENDITURE : Virgin Media : £29.99 Sky : £16 Vodafone : £33 Vodafone iPad : £26 ( Ends February 2015) TSB CC : £30 minimum Nationwide CC : £40 minimum Capital One CC : £12 minimum Rent : £250 DEBTS : TSB CC :…
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Bailiff Corruption Already Evident
This is an excellent article giving VERY solid advice to anyone with Council Tax issues or Parking Fines (not PPC's - proper parking fines). Any debtors would be well advised to follow the recommendations made here: http://simply-wrong.com/new-enforcement-agent-fees-corruption/
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StepChange or PayPlan Debt Management Plan
Hi all. I'm thinking about signing up to a Debt Management Plan with one of these charities but I have a few concerns: - I'm currently managing my debts personally and they all have frozen interest; is this likely to change with a Debt Management Plan (I don't want to be paying more than I have to for longer than I have…
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Lucas credit want money for Sky
Hello all, I received an email from an outfit called Lucas Credit Services who wanted £90.49 that I apparently owe Sky. I phoned Sky and they were unable to tell me what the debt was for. I thought this was quite odd, so asked to speak with someone else who might be able to. I'll say now that when I left Sky I made sure…
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Being hassled!
I got into debt with a company and owed approximately £900 about a few years ago. I did initially dispute part of the debt but as I was in a poor state financially at the time, was pretty much bullied by them. It did not go to court and we agreed to repayments of £10 per month which I have religiously paid on time without…
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Citizens Advice Cabmoney Online System & DIY DMP Goes Into Another CAB Branch
Hi Interesting news The Citizens Advice Online Cabmoney Debt Advice / Remedy / Online Self Administering Debt Management Plan Resource has now been adopted by another CAB Branch. http://www.centralnorthamptonshirecab.org.uk/ CENCAB (Central & East Northamptonshire Citizens Advice Bureau) now have their own online Cabmoney…
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Debt managers services
Hi, I received a letter a couple of months ago about a debt with Arrow Global who I believe are collecting on behalf of a catalogue. I disputed the debt and they have written back to me today saying our client has advised they are unable to provide any documentation regarding this account, the balance remains outstanding…
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How do I cancel my experian plan?
How do I cancel my experian plan? The number I ve tried is 0800 656 9000, I found it on a thread on this forum and it doesn't work anymore. Help please.
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Advice - credit limit reductions?
Hi All, First of all would like to say, long time visitor to the site, but first time poster. Have found this site, and reading through the forums, very helpful in getting by bottom in gear over the last 4 years with reducing my debts down, so big thanks to all who contribute :-) I'm just after a bit of advice really. My…
