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Can they charge me??
Hi all, I live in a leasehold flat and we have a company that takes service charges and does any work in the building. There is a residents association (recognised) but they have nothing to do with the lease/no right to manage. I didn't agree to any actions but the chair took the leaseholder to tribunal over costs. She is…
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Start of my Debt Free Journey
Hi, Wow, I have just come across this forum and all the amazing advice here, you guys are true legends and actually give me hope that i can beocme debt free. So here goes....... I have managed to rack up massive debts and are desperate to get them cleared and be debt free once and for all. My debts are a mess but I am…
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DMP Hell
Hi All, Just after some advice. I've been on my DMP for 10 months with a total of £15k worth of debts from credit cards, loans, directories etc. for the last few months, we just aren't getting by financially and having to lend of parents when its become a vicious cycle. I called StepChange and done a budget and it shows i…
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Advice on dealing with Bailiffs who have entered
Long story short I started a Nursing corse last year with Harriet Ellis. As I changed my mind on the course I withdrawn from it. A few months later they taken it to court and charged me for all the remaining fees. It got passed to the bailiff agency DCBL. The front door was open and 2 bailiffs let themselves in my mothers…
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Need some advice
Hello Longtime lurker and have decided is time to join. I have a predicament and could do with some advice - I’ll give you the background. So, August 2017 I join a new job - October 2017 the team I am in suffers huge setback with senior managers investigated for fraud, decision was made to dissolve the team and move…
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Paypal debt passed to Wescot - Child's account.
Hi My son has opened and eBay and PayPal account - he's 15. He sold a bag and then the buyer said it didn't arrive and wanted a refund. My son refunded it, but now paypal are chasing him for more money and have passed the debt to Wescot. It's not much money, only £17, but i'm wondering about the legality of this as he's…
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Tesco Credit Card
Does anyone know which credit agency Tesco credit card would report too? Thank you
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Lloyds overdraft
Hello everyone I am looking for some advice if possible i am in a DMP (owe roughly £20k) for about 6-7 months and all my creditors except LLoyds(for an overdraft) accepted to freeze my interest charges. The Lloyds overdraft is for £4k and originally LLoyds accepted to charge no daily interest but a few weeks ago I received…
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Help! StepChange vs. CCS vs. Tesco Mobile
Hello! I’m hoping someone can point me in the right direction here because I’m having a bit of a nightmare with CCS and Tesco Mobile. I had a TM debt which went into my DMP with StepChange. StepChange were sending the payment to CCS and have given me proof to show the cheques were cashed and not returned. CCS say they’ve…
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Capquest
I have today received a letter from Nationwide and Capquest/Arrow? saying that I owe over £200 on an account that I no longer use nor have a card to do so which I lost well over a year ago and I know for a fact there was no DD's or anything coming out of the account for me to be behind. I did get the card trapped in a cash…
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Christmas presents!
Any advice for me please - friends and I had agreed on no Christmas presents,birthday gifts only. Now I've received a very expensive Christmas present,which was also costly to post. I'm torn between being cross or thanking her but reminding her of our agreement. What I'm not going to do (I don't think) is rush out and get…
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Advice to sort out my debts please?
Hi, Please can I have some sage advice? Hi, I am 38 with a good job earning around 30k a year. I have around £42k worth of personal, unsecured debt, and an additional 18k owing to my mum. I am struggling to make payments, using credit to pay credit. I have no assets (other than a car worth about 2k which I need for my job…
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Richburns
I got threatening letter from them. just mentioning you havn't paid the bill Things to mention 1) They dont have my name on letter just owner /occupier 2)The account number they have given is not mine 4) They havn't even mentioned who is the energy provider 3) I Called my energy provider to see if there is outstanding…
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what can you do to reduce debt or lower CC interest %?
Hi, I am trying to help my bf clear his debts (by tackling them!) he has only told me the amount of one of the cards and has 2 cards (the other is more!) Barclays - £7779.53 (limit £8200) minimum payment - £224.30 Estimated interest next month - £136.18 he is self employed and now having made an excel sheet for his…
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Wanting to Avoid Secured Loan
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Tax on second job
Hi all, newbie lurker here and am unsure if this is the right sub-forum to post this - please let me know if I need to move it. Essentially I wondered how tax works on second jobs? Let's take the following example: Let's say I have a full-time job (job 1) with a salary of around £34k, which is taxed at normal amount. Then…
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Misadvised by student loans company and now I have overpayment. Advice please?
Hi all, I'm panicking majorly right now. I was a part-time masters student who took out a full postgraduate loan to fund this. I was in my second year before I decided to withdraw fairly recently (about two weeks ago). Before I made the decision to withdraw I sought out the relevant information regarding where I would…
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More than 100,000 people in problem debt attempt suicide each year, charity warns - MSE News
A new report by the Money and Mental Health Policy Institute is calling on the Government to change 'out-of-date' legislation which it says is contributing to people in problem debt becoming suicidal...Read the full story: 'More than 100,000 people in problem debt attempt suicide each year, charity warns' Click reply below…
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How to get amount owing?
I am in the process of paying back all my debts, but one of them is an amount which is outstanding towards a nursery where my daughter used to attend. I have requested the owner of the nursery to give me a statement of account so that I can officially settle this debt, but she has not done this. Every time I approach her…
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PRA Group
Hi, I have received a phone call today from an unknown number so didn't answer it. It's 08008772772 which I looked up online and its the PRA group. On reading other threads here I gather I'm not alone. To my knowledge I don't have any debts and cannot think what it would be. My question is, should I answer them next time…
