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debt with bank barclays but accounts with lloyds
Hi all I have recently changed jobs as as result cashed in my shares which have amounted to about £600 so not too much I now don't know where to put this money I have plans to use it to buy passports and help to pay off my wedding next year. I have debts both me and partner with barclays bank But we have an account with…
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bank debt sold to Marlin
Hi, i have a few months ago been contacted by Marlin to say that they now are collecting my old bank debt ( just over £1000) but have had NO notification from HSBC that they would be doing this transfer. i have said to marlin on the phone that anyone could say they are now collecting on their behalf and i want proof from…
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On a an absolute mission!
I have been using this forum for quite a while for inspiration and ideas about paying back debt and saving money. :T I am now on a mission to pay back all our debt (except mortgage and car) this year! I would like to have a baby soon and feel that we need to get our money in order before we make that leap :D A bit about…
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Urgent urgent help needed ASAP. Bailiffs
Hi there Please help. I was woken up at 6.45 this morning by a bailiff at the door. I owe council tax from last year when I was unwell due to bereavements and a miscarriage- that's when I lost control of things. I put my head in the sand and had a payment plan with rundle and co but missed payments. He said I have til 10am…
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Sat & Sun 4th & 5th 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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step change bank account details
Does any body know stepchange bank details I have the sort code and account number for them but I don't no what the name is I put into my bank details online to pay a one off payment ...on nationwide online banking ..
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tips from an ex debt collector
I am a long time user who recently worked for a debt collectors (one of the big ones who are complained about a lot on here) Seeing as I no longer work there I feel that now I can share some tips and insight for you all I have used a new name as I am quite identifiable by my long standing one and wouldn't want to get in…
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County court claim with lie about payment
Hi, I just received a count court claim from from the solicitors (Shoosmiths) of Nationwide building society. It states that the last payment made by myself was 10/5/13, but I've never stopped paying the towards the debt. I pay an agreed amount monthy. I'm unsure if I should tick the box on the claim that says I only admit…
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Statute barred defence or No Docs defence. ..
Hi all, I think I have two options regarding a response to a claim. I have a good SB defence but it's not watertight and would involve some explanation with the witness statement. But equally the DCA have not yet produced the CCA I requested on the 23rd of last month. I got a letter today saying the didn't have it but had…
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Should I get a student loan to pay off my overdraft?
I've recently gone back to university to do a nursing degree. I'm managing financialy with a part time job and the NHS bursary, and have not needed to take out a loan. I do have a £1500 overdraft, which I'm unlikely to be able to start clearing until I graduate and get a job (2 years). My overdraft costs me £15-20 per…
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Pay day spree..
Hello :) I have noticed that on every payday, I end up spending £20-£30 on things I may not really need...almost like a relief because I have been paid. Does anyone else do this? I feel like I have won the lottery every day I am paid and go a bit mad ><
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past due admin fees
Hi, I have just received a letter from a company called Pastdue credit solutions. Npower have appointed them to recover a previous debt from my old address. However they have stated administration fees of £200.00. Surely this can't be right?
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Suddenly HMRC mentions extra penalties...
Hello everyone I've been really hot on paying down debts in the last year and one of these debts that I'm nearly at the end of paying is an HMRC bill (it was about £5-6K for a few years of occasional work on the side). I've being paying in installments of £100 / month since early 2012 and suddenly Iv'e received a bill…
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Concerning Letter from Sigma Red
Hi all, not sure if this is the right place to ask this question, but here goes... I received a letter from Sigma Red (a debt collection agency - I found out after a quick internet search). The letter says that they are trying to contact me, and have been given my address as a possible address. I have recently moved house…
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Best option to go for to reduce outgoings - advice please
This is my current status: Santander loan £1154 outstanding £169 p/m Ends 04/2015 Sainsburys CC Balance: £2519 APR: 21.9% Interest: £51 p/m Paying minimum payment Barclaycard APR: 19.9% Balance: £5969 0% BT on £4463 ends 05/2015 Interest: £20 p/m HSBC CC Balance: £400 APR: 19% Paying minimum payment, £20 p/m Do I: 1. Get…
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Food Shopping and CREDIT Card
Finances are stretched. Someone bought me on of those Visa PrePay cards last week which are effectively a VISA with abour 25 pound loaded on to them. You get all the relevant CREDIT card details sent tou you (NOT a Chip & Pin Code). So cupboard is pretty bare and wanted to use the CREDIT card to food shop. Either online or…
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Friday 3rd 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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dmp ....halifax bank
I've just started a dmp with stepchange and have 6 debts 3 of which are with halifax ..1 personal loan 1 credit card 1 overdraft ..today I received letters from Halifax regarding my overdraft and credit card stating a payment plan has been agreed ..A huge sigh of relief for me as I've seen many posts statin halifax are not…
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What to clear first?
Hi All After a wee bit of advice. I have a lot of debt - credit cards, overdrafts and a loan that's about to finish middle of next year. I'm selling my house and will have a surplus (not a lot - about £2k) so I want to use it to pay off debt and wondered what I should pay off first? The highest interest is on my credit…
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Wonga & cfo lending
Hi Everybody :) Wonga are not the only Payday Lender to have problems with the FCA. In my DMP is a debt with CFO Lending too. In a voluntary agreement they are not issuing new loans and are not doing any 'outbound debt collection.' It seems like they are just sitting there and accepting money if someone sends it to them. I…
