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so cross with myself!
Made a major errot this week and didn't pay enough money into my joint account to cover the mortgage. This meant that the payment was taken on 28th as usual but was returned on 30th due to insufficient funds in joint account. I acted immediately and called today and paid using my debit card. This means that I have paid 3…
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A mini milestone...
Just a tiny success that i thought I'd share..my 0% credit card ends next month and I still have an outstanding balance of £2500 on it. (I knew it wouldn't totally clear within the 0% term when I took the card out, but I'vepaid off a *lot* so far) Tonight, I called up an existing card provider that I have and asked if they…
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Struggling with credit cards
Hi, I'm new to this forum, I've been trying to cope with my debt on my own but I'm now so scared & feel over my head I need to reach out for some help. I have £10,000 debt on one MBNA credit card & a couple of grand on some other cards. Without wanting to make excuses I was sort of left with this debt after getting…
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Apparently the bailiffs are coming tomorrow
Well, according to an answering machine message we received today. Unfortunately, in my effort to listen to the message again, being a technophobe, I managed to erase the message. But it definitely said that the Federal Bureau of Investigation - yes, the FBI themselves - are coming to execute a bailiff's warrant at 11am…
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New ccj
Hello, I have a default from 2008, that is just about to be spent, under the 6 year rule. I have just found out I now have a new ccj, concerning the same debt. So will the ccj go when the default is spent, or does ccj stay on credit file for another 6 years. This would make 12 years. Can anyone help, Thanks
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Charged £15 for an email wihout warning is this fair?
Hello, I was wondering if you could possibly provide me with some advice. I have ended up in ground rent arrears on a rental property I own as the tenants had not been paying. The amount for the past 5 years totals £9.00. The company who collects the ground rent have recently sent me a bill for the arrears plus £55…
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Pay Day Loan Brokers
Hi guys, This was in the news yesterday, pay day loan brokers taking money from peoples bank accounts unexpectedly. Sometimes when you are searching for a PDL, you may be directed to a brokers site, who then offers to introduce you to a lender, a small check box pops up, which you need to tick, you are then directed to the…
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1st credit .. statute barred?
Hello this is my first post so im sorry in advance if this is in the incorrect section... Anyway I had a debt with Llyods Bank 3 accounts actually a while ago and i got passed to 1st credit from time to time, unfortunetly my life became a hell and i physically gave up with everything and ignored everything. However…
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Another little "woohoo" moment
I have paid of an old "friend" today, in the form of a Barclays Credit Card. When I got the darn thing almost a decade ago, it was supposed to be for 'emergencies' only. How much has changed in that time. Back then, emergencies counted as surprise MOT repairs, dinner because we messed up the shopping and any number of…
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Bank overdraft help please.
I have 2 accounts with Lloyds, they both have a £1500 overdraft - This was managable as when my partner got his wage it would go straight into my account... basically we were living out of the overdraft. We have recently split, he has moved out and I don't have his wage coming in. I only work part time and for very little…
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Friday 31st October 2014 - What small DFW things will you do today?
When we start out on the DFW 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 progress, when…
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Paid off first debt!
Feeling quite happy that have managed to pay off my first debt - Next storecard! It was only £378 but managed to get it paid off over September/October. Managed to ebay some stuff which helped to get it paid off quicker. Now going to concentrate on paying off CC1 balance around £867. Think progress with this one will be…
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Advice required - Council Tax
Hello Apologies in advance if this isn't the right place for this. I had a message from someone I used to work with saying someone from the council had called and spoken to them to ask if I worked there still, said I owed them money and asked if they could take money from my wages. So rather than ask for HR or a manager,…
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full and final settlement...?
Hi there, wonder if anyone can shed some light. We had dealings with solicitors regarding the Will of my partners late ex wife. My partners daughter was executor of the Will. The business was concluded amicably in January, with the last Bill being full and final settlement, which was paid without dispute. In July, some 6…
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HSBC debt collection e-mail address
I'm attempting to contact and update my creditors and was previously under DG Solicitors for HSBC; having read the news I am now looking for an e-mail address for HSBC's debt collection department but cannot find one anywhere. Does anyone have one?
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Debt Advise
Hi I am in need of some guidance as I am coming to my wits end with my debt. I have the following debt outstanding and need to know best way forward in clearing it. I have a 2K pay out pending so this will help in clearing some of it. My CC currently stands at 1515.00 My loan can be cleared at 1100.00 (or continue to pay…
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DMP - mortgage -SVR - soft search -please help ...
Hi wonder if anyone can help,i am currently in a DMP at the moment, but looking to switch my mortgage to a fixed rate with my existing lender - Halifax from what i remembered this was quite an easy process until i phoned up today to find quite alot has changed. the advisor said he had to take income, employment, credit…
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Overdrafts - Help!
Due to my DH losing two jobs since the new year we've been struggling financially for most of 2014. After a series of large costs (moving to a smaller, rented house, car problems, building work etc etc) I've slipped beyond my planned overdraft with both lloyds and halifax. Lloyds are charging £1 a day but halifax are…
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Doorstep field agent visits
Hi, a family member that lives with us has had a handwritten note addressed to them pushed though the door while we were out saying it is to 'establish contact' between him and the bank. There is a long-standing dispute between them and the bank. This is merely a question about our rights and their rights. The letter says…
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Mortimer Clarke
Ok been dealing with Mortimer Clarke. The truth is they do not have any legal credit agreements in place. They sent be court papers and bumped out the amount owed from 11k to 15k. I quickly put in a defense denying the debt and mentioned that they needed to produce a credit agreement. Sample letter of defense to court:…
