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Vanquis Help
Hi I have a account with Vanquis for just over two years and have never missed a payment. Unfortunetly my payment was due today and I normally pay before the due that. I tried calling them but they closed at 8pm. I did make a payment on the auto service and received a authoriation code but will that before enough to avoid…
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Secured Loan - Prestige Finance
Hello, I'm looking to take out a secured loan with Prestige Finance to consolidate some debts. Having read all the T & C's I'm slightly concerned about the variable interest rate. Whilst I'm happy with the initial rate offered I'm concerned Prestige can increase this, whenever and to whatever they like. Does anyone have…
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Dilemma!
We have pulled the last of our credit card debit onto one card which now totals £3500. My dilemma is that we have £4000 in savings and wrestling with the idea of paying this off but scared about only having £500 left in savings. What do you think?
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Settling debt with Asset Link
Hello I have a debt with Asset Link (original debt was with Ford Credit). I am paying it off weekly but soon will receive some PPI and i shall be paying off some debts with it. Anyway my wife was on the phone to Link earlier and she enquired on my behalf about settling off the debt. The person on the phone said that they…
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Monday 6 October - 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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Mature Student and DMP
Hi Everyone Not sure if this is the right section (dos try the student section but was told I might get a better response in this section :-))to post on so apologies if it is wrong. Am hoping that someone can help with this question as googling does not seem to bring anything up. Basically I am looking at returning to…
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What to pay off first? Looking for advice...
Hi all, Long time lurker first time poster here. Looking for a bit of advice on what I should be paying off first with an aim to perhaps reduce the amount I pay overall (including interest etc). Current situation: Barclays 'Graduate Additions' Account: £0, £1700 overdraft available - £7 a month, 25p a day < £1000…
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Friend's received a court letter asking for amount plus 'costs'?
Hi, 12 weeks ago my friend ordered some parts for a roof extension he was making. He was verbally promised that the parts would be with him within the week. 9 weeks later the parts arrived and he was happy with them. 2 weeks ago my friend received a voice message from the company threatening court action if he didn't pay…
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Pay Down Or Not To Pay Down
RE: Pay Down Or Not To Pay Down hello there, i wonder if someone can offer me their advice and/ opinions? * I have some debts that are over 7 years old * All are under £600 individually * They are all in debt collection and do not incur interest * I am not in a position to pay anything other than a minimum token payment at…
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Some advice Lowells / Scotcall
Good Morning all, I have just received a letter from Scotcall and from Lowell in the same envelope, alleging that I owe money to O2. The Lowell letter states their reference number, but under this, where it has the "original account number" which states O2 (UK) LTD under this it states "original company name" but this has…
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How worried are you about your debt?
I guess the fact that we post on here suggests that we are all keen to deal with our debts but how worried are you? I go from being mildly concerned to having sleepless nights. Just wondered how worried others are about their debts. (Mine are 40kish on an income of 68kish)
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Arrangement to Pay or DM - Credit File
Hi, I've opened various threads on here regarding my credit file and the impact of my debt management plan. Long story short; all my creditors applied Arrangement to Pay (AR) on my credit file which will last until 2019 whereas a default would have dropped off last year. I therefore argued that I was worse off and wanted…
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Mortgage prep post-DAS (Scotland)
Hi all I got into debt in the past, and ended up on a DAS (Debt Arrangement Scheme) which basically saved my life I now have around a year left until the debt is clear which will make me debt-free The question is: What prep should I do now? My primary goal once the DAS is gone is to get a mortgage. It irks me no end that…
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Old CCJ sold to Moorcroft
Hi, I had a CCJ from a Cahoot loan back in 2005/2006. It no longer shows on my credit file but I continued to keep up the £10 per month repayment. The company I was paying then sold it to Moorcroft. I continued paying the £10 per month without questioning it. It's now around a year later and I have received an email from…
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Hello
Been here before and should know better but managed to go back to almost where I was before...suspect I will always struggle with money but have had the kick up the bum I need and its back to debt busting. Depression plays a major part in mine which has been pretty bad of late but time to tackle it. Just wanted to say…
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Council tax summons
I don't know the best board for this to go on but this seemed the most appropriate I pay CT by installments I always pay 2 or 3 months at a time in advance, sometimes I forget and they send me a reminder when I have missed it by 2 weeks, and then I pay off 2 or 3 months again in one payment. I got a reminder in July, I…
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Sherriffs Office Bailiffs
Hi, we are in a bit of a pickle and was wondering how we stand. Many years ago we rented a property, the owners wanted the property back so evicted us. To cut a long story short we then ended up owing rent, they took us to court and the court ordered us to pay £85 per month to clear the debt. We then fell on hard times and…
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is my money safe in lloyds isa
Is my money safe in lloyds isa from offsetting rules? I have a dmp in place my debts bank wise are with barclays
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money worries.com
Hi My 1st post and im not sure if this is in the right section so sorry admin if its wrong. Me and my wife took out a debt management plan with money worries 4 years ago and consequently last the idiot who owned it was arrested for taking all the money (nice man love to meet him) so the police force that were dealng with…
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Struggling with finances, should I cash in an endowment?
Hi, My husband and I are struggling financially every month. We both have overdrafts which we are basically always in, plus credit card debt. I took out an endownment 17 years ago which I pay £50 a month to. It was for 25 years and is meant to give me roughly £25000 when it matures although it's not looking like it'll make…
