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Halifax Bank overdraught fee`s changing (again)
Good news for some, not so good for others. Halifax Bank are changing there overdraught fee structure from the 2nd November. For example, if you dont use your OD very much, you could end up paying virtually nothing, on the other hand if you are constantly in your overdraught, your fee`s could triple. An £1800 OD used for…
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Notice of Pending Legal Action
Hi, I've received a letter from Howard Cohen & Co Solicitors for an old Nationwide overdraft of over £5k (I was young and stupid). They are saying; Unless acceptable proposals for paying the amount you owe are received within 14 days of the date of this letter, we are instructed to issue proceedings in the County Court…
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Ciifinance can't find agreement
Hi I'm not sure if I'm posting in the right forum as I'm new to this so apologies if it's the wrong area. My husband and I are on a DMP and the largest debt is to Hillesden Securities (Ctifinanciall Europe/Associates) for a loan my husband took out in 1989, before we met.. I have managed to track some letters and know that…
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Help Needed Again
Hi guys, I need your help once more. I posted on this forum about one year ago and had some encouraging comments. However things are really desperate once more. So to set the picture I have around 15k worth of debt, made up of 3 loans which i have defaulted on and a couple of payday loans. I am a 25, almost 26 year old and…
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I need to get on top of this
so I created an account on here years ago, determined to better my finances, and for the most part I was on my way to a better living situation financially. However, this year me and my husband separated and now I am struggling on a single income. I have remained in the joint home and we share care of our children equally,…
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Trying to work out the best way forwards.
Hi, Originally I posted in another area of this forum however someone recommended I post here. I'm trying to get my finances sorted out as best I can and I wondered if someone could offer me some advice. Background - I had a manageable amount of debt (approximately £25,000) which was being paid off on a monthly basis. Due…
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CAPQUEST help
Hi all, Hoping you can give me some advice. Received a letter from Capquest chasing a debt from MBNA. Amount of £1948 but letter says they will accept payment of £588 but has to be paid within 3 months. Now I do recall having a debt with MBNA but I was young and silly at the time and I'm 90% sure I haven't had any…
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Restons CCJ claim / information requested not provided by them
Hi all, Last September, I received a CCJ claim from Restons in relation to a credit card debt (capital one) that they claimed I owed. I did not recall taking out a capital one credit card, so I filed a defence and sent a prove it letter and formal request for information,plus the credit agreement. Their response to the…
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Credit Advice
Hi guys, it's been a long time since I was here. Just wanted some sound advice from you guys as you know your stuff. My story is in one of good to bad very recently. Got laid off last October from a very good job, took me 5 months to get back into work simply due to ny location and lack of work. Anyway in the 5 months I'd…
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Restons objected to payment
I recently got a county claim form .I filled it in I am with stepchange i explained all this on the form showing my budget. Restons have objected I just received a letter stated the 6th Aug saying iI need to pay £1271 straight away I don't have this money I told them that. I'm scared and I don't know what to do. Please…
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Help! Creditor has sold my debt, but they are asking for more than I owe!?
Going to start with a bit of background. A few years ago I got myself into some debt with payday loans, fell into arrears on my rent and council tax. I was facing eviction so seeing no other way out I stupidly applied for one big loan, big enough to pay off everything I owed the council. Obviously, this put me in a worse…
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Tackling credit card debt.
Hi all, I'm hoping someone can help me. I have just taken stock of my credit card debt and give or take a few pound its £9000.00. I am just about to come to the end of my 0% balance transfer period and sadly cant'shift any of my debt to a new 0% balance transfer card i have a feeling my debts will now start to really mount…
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I have been paying Vodafone but they have now passed it to a debt company
Hi The quick story is - I have been making payments to a debt with vodafone but today received a letter from a debt agency. No warning or contact from Vodafone! The long story is - I have had a lot of issues with Vodafone mainly due to the fact it is near on impossible to get any kind of answer from them when I call. It…
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Partial settlements
Hi, This is my first post so sorry if its not in the right place! Ive got debts totalling around £37k made up of credit cards, overdrafts and catalogues. Ive been paying a reduced payment for the past couple of months, and finally told my parents who have offered to lend me some money to clear my debt. Ive spoken to both…
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In debt with Scottish Power... because they won't take my money!
Hello, I need a bit of advice because I'm in a bit of a strange situation and not quite sure of what to do. Bit of a long post, but stick with me! In December 2015, I moved into a new flat and took over the energy bills provided by Scottish Power. I already owed them a little bit from my last bill at my previous address,…
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Improve credit rating advice sought
Hello, I have accumulated a lot of debt due to student fees for a masters program. I ended up putting all the debt on credit cards over the years and have accumulated quite a bit of debt as a result. My credit report used to be excellent but now it is poor due to the debt and almost maxing out all the credit cards. The…
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Robinson Way
Hi, we took a bank loan out in 2000 and to cut a long story short we fell into arrears. My husband tried to use PPI as he was (and still is) adamant he ticked the box when he took the loan out, but when he phoned up about it in about 2001 they said he hadn't ticked the PPI box. We left it and didnt pay the debt for a…
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Very confused. Old CCJ Please read and help
Ok so i recently sorted myself out alot. I checked my credit score on noddle and it says theres a CCJ from 2012 for £4000. I have no idea which company i owe at the moment i remember it changed alot over a year or 2 but i havnt had a letter for a long time and stupidly didnt keep them. The debt is from a student overdraft…
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County Court Help
Hi Guys... I'm back after one hell of a hiatus! Anyways, I just need a little practical advice over a county court situation. I recieved a County Court claim dated 22nd June on the 28th June (submitted acknowledgement of claim that day) and sent a CPR31.14 request to the claiminat (Moriarty Law on behalf of motormile…
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CCA received from natwest
Hi all, I was wondering if anyone could advise me. A few weeks back I requested from Natwest the CCA for a credit card issued in 2006, they duly obliged with the following response. “Your Written request for information was made under sector 78(1) of the consumer credit act (CCA) we are obliged to provide you with a “true”…
