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CCA unenforceable? Help please
Hi, on the 13th of SeptemberI wrote to Natwest asking them to provide me a copy of the CCA. I have just received the following letter from them: We regret to advise that the card agreement has been misfiled and despite searching our records we have been unable to locate it. In the circumstances, we accept that we are not…
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DMP Mental Health / Write off
I have had a DMP for many years, since getting into debt as a student when I had to take extra years due to my condition. Since then I have had a DMP managed through Payplan and I've managed to pay back around 2/3 of the debt. I still have about £3K to pay and have paid over £6K. Payplan sent me a questionnaire about debt…
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What small DFW things will you do this week commencing 31st October
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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What small DFW things will you do this week? W/C 31/10
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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How do you cope?
On your debt free journey??? I'm really really struggling to keep going and motivated. I seem to be more negative at the start of the month, when I have just been paid... I have been sticking to minimum spends all of sept & oct, (w some hicups, but nothing like I used...) and put over £5k into debt repayments, but I feel…
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Questions for those who take cash out each week
Hi,all I have been reading threads on MSE for the last 3 years,and learnt so much,as well as made lovely online friends.:j Doing some reading lately,and I have noticed the amount of people who take cash out of the bank each week to live off. I never done this,and have been wondering if it could save me some money.For…
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Confused about what to include in unsecured debt - please help
I am looking for some advice. I have approx £15k of unsecured debt spread between catalogue, credit cards and overdraft. I have used the stepchange calculator to work out my best plan of action and initially recommended a DMP. However looking at the figures of my "spare" monthly money I realised it was incorrect. I have a…
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Not my debt
I've just done a credit check and found out my mother has taken out a credit card in my name recently but also other loans dating back to 2011, some of these have not been paid off so my credit score is bad. i don't want to get the law involved i just want them to be paid off asap or removed from my name to hers. She…
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Sale of a charging order
Can HSBC who have a charging order on my property for a debt that was a loan sell that charging order on to someone else so that the debt is then owed to someone else. Similarly to where unsecured debts are sold on to other debt collecting companies. Thank you
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A reminder to all "Sealed pot Challenge" members
Hi all, it's NEARLY that time of year again!! :j Count up day begins 3rd November, so it's time to count your cash and then to declare on or around the 3rd!! Whether it's a little or a lot, it's money YOU SAVED that would all possibly have been spent...so be so very proud of it!!! :T Please, just as soon as you can - come…
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DRO or DMP? Advice Please
Good Evening All (or should I say Morning?) I apologise in advance if a similar question has already been asked. I currently have around £2500 of debt, it was originally £8k+ but over the last 4 years or so I have managed to get it down through a DMP. I also a a CCJ which I currently pay around £50 a month to. Lately I…
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Bank Default Notice
Will keep it succinct and not go over many other mistakes. I am severely disabled because of all these mistakes. Edited to make it easier to understand, I thought I was going to miss one payment so contacted nationwide to discuss as I did not want to damage my credit rating. Nationwide told me that it was no problem and I…
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Barclaycard repayment plan error
Don't know if this affects just me or whether it's a company wide thing, but my repayment plan with Barclaycard - which I thought was renewed in January - stopped in April due to a system error. I've only just noticed & in fairness to Barclaycard they've refunded me all the interest that I was charged at the higher rate (…
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Debt collecting from wrong address
I'm not sure if this is in the correct forum or not but can't really see a more suitable one. A letter from HMRC has come to my address which I opened and read only to discover it wasn't actually my name which was on it though it was my address. Basically the person named on the letter owes HMRC money and they say in the…
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The Money Shop
Good Morning All. I took out a pay day loan with the Money Shop which I struggled to pay so I contacted them to arrange an alternative payment arrangement. They are adamant that I can only pay by CPA (Continuous Payment Authority) Has anyone paid them by other means? If I continue to persist with the message that if I…
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Be More Squirrel
http://www.bbc.co.uk/news/business-37798513 ignoring the whole thing about saving 60k by 40 for those of us over 40 this article has some good concepts in it. It contains links to helpful articles on the money advisory website.
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bailiff and everything else
PLEASE HELP ....1st....Iv been paying bailiff £200 fourtnight for old ctax bill, managing fine until last wk my partner had big accident at work leaving him in intensive care still now possible never to work again no feeling from waist down...he the only one working survived on his wages only now bailiff wants full…
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Apps for managing money?
Hey everyone! Does anyone know of any good applications that are available on iPhone to keep a track of spending and debt repayment? I've seen quite a few but many seem to be American and require a link to a bank account.
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Thought I was starting to get sorted - but illness has set me back
So, after being trapped in a vicious debt circle for some time, I finally thought I was getting back on my feet, and made the first payment of my Debt Payment Programme from last months salary. However, I've been signed off work for the last week by my GP, other issues which had been getting to me for quite a while,…
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Finished Attachment to Earnings
Hi ALL, A few months ago, I finally paid off an Attachment to earnings which had been dragging me down for years. My employer has now received a letter stating that there was a miscalculation November last year and that I still owe £250 (one months installment). I have had nothing yet to confirm this but I'm sure that is…
