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Overdraft Charges
Hi, I recently wrote a thread about my money troubles in the forum... 'Please help 15k debt' I didn't mention I have over the last 2 years had overdraft charges from HSBC of over £600 which I wrote to hsbc using a template from this website asking for it to be returned due to financial hardship. But the replied saying they…
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Transcom and ebay outstanding fees
Hello I'm new to this forum but I hope someone can help me. I recently sold a couple of items and had some problems with this so ebay reimbursed the buyer and are now asking me for £534 to include fees and reimbursement I have explained that I can pay in instalments but they said it's not possible. I have recently begun…
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Moorcroft Debt Recovery - Help!
This morning my partner received a letter from Moorcroft demanding £4954.36 and have given him 5 days to pay in full! In the letter they are threatening with more letters, phone calls and people coming round to my home to discuss the account. They also talk about getting another agency involved. This is the first letter we…
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The three most important lessons
!. A company's job is to make money from you. 2. Dept isn't bad, bad dept is bad. 3. Loyalty doesn't pay This is on the front of one of Martins books. So true. Every day we get phone calls, even though I am on the non pester register. Junk mail through the letter box. Men even knock on the door asking for work. It is…
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Can't see a way out, please help
Hi everyone I really need some advice, I feel like theres no way out and this is going to be my life forever. I broke up with my partner after 5 years together, we have 2 very young children. This is were it all began.... My partner bought a car and registered it to me because he was having money problems and didnt want to…
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Is it worth the extra work?
Hi folks, I was wondering if any of you could help me with this... I have been offered some extra work which will gross me about 4k. This will really help me to pay off some of my debt ( see my previous posts). I can't work out how it would affect my tax. My main salary is £43199 but I pay £4000 per year pension…
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Payment offer from SC refused by Halifax
Just going into the second month of my DMP with StepChange. All seems to be going rather smoothly - don't speak too soon! However, I had a letter this morning saying that Halifax have refused the payment offer from SC. They are one of the lesser amounts I have outstanding at £2k. What happens with this? SC say they will…
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Tuesday 29th April - What small DFW things will you do today?
When we start out on the Debt-Free Wannabe 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…
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Time to get Debt Free!
OK, this seems a great place to not be judged so here's my current situation! MONTHLY INCOME Basic Pay : £437.97 EXPENDITURE : Virgin Media : £29.99 Sky : £16 Vodafone : £33 Vodafone iPad : £26 ( Ends February 2015) TSB CC : £30 minimum Nationwide CC : £40 minimum Capital One CC : £12 minimum Rent : £250 DEBTS : TSB CC :…
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Debt Collectors & Payday loan companies
Ok can I write to them (both DCAs and PDLs) instructing them to contact me by letter only? I have been told this on here with regards to DCAs but what about PDLs? Also, one of the PDLs I took out has been in arrears for a few weeks, yet despite this I have not had any letters or any contact from them. I log in to the…
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CCJ says one thing Bryan Carter are telling me diffrent? help please??
Hi all I am seeking some more advice please. Recently i had a CCJ entered against me for a debt from lowell finance and Bryan carter solicitors. on the judgment for claimant letter from Northampton county court it says "i must pay the claimant £1,990.25 by installments of £50 per month starting 4th may 2014" anyway today i…
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Please help asap
Hi new to this forum and would like some advice have a debt with ace which has now been passed over to moorcroft debt recovery ltd had a letter from them in march to say they will accept a payment of £120.00 per month debt is £2031.35 I ignored letter as I cannot pay this amount . Yesterday evening there was a knock at my…
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CCJ 4 Years Old - If I Start Paying Now Will It Restart?
Hi, I've never posted in one of these forums before so apologies if this is not in the right place. I was hoping to get some advice as so far I've had conflicting answers from people I have asked. Basically, I have a CCJ on my credit file from 4.5 years ago. It relates to £1900 of unpaid rent from my student accommodation…
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One loan down...
Sooooo….today I realised I had only got £25 left to pay on my flexiloan after this month's payment comes out, so i overpaid by £25! One loan paid off! I am SO pleased. One loan till Jan 2015, and 2 credit cards to go. Baby steps, but I am getting there! :j:j:j
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Lowell CCJ
Hi wondered if someone could help advise me on this.I got taken to court by Lowell Portfolio via Bryan Carter Solicitors over a Littlewoods debt. I was happy enough with the debt to repay and offered a payment that was accepted however not as a consent order as i asked so still got a CCJ. My credit isn't great anyway so…
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Newbie - mind taking a look at my SOA?
Morning all! I've been a keen DFW reader for more than a year now, but I've never really posted. I've finally worked up the courage to post my SOA. I would love any advice or insights you have on it on where I could save a bit more. I am desperate to be free! I live in London with my partner, and we share a 2br flat with a…
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Debt Sold On – Different Balance
I had an old Vodafone debt (that the more I look into the more I think I should have disputed, but that's another story) that was with a DCA, with a remaining balance of about £45. It's been on my DMP getting a fiver a month, but with the balance so low I was just going to pay it off when I get paid this month to get rid…
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Lucas credit want money for Sky
Hello all, I received an email from an outfit called Lucas Credit Services who wanted £90.49 that I apparently owe Sky. I phoned Sky and they were unable to tell me what the debt was for. I thought this was quite odd, so asked to speak with someone else who might be able to. I'll say now that when I left Sky I made sure…
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Northern Rock
Hi Guys First post so please bear with me. I took out a loan with Northern Rock in 2003. When the world fell apart I lost my job in 2009 and eventually ended up having to claim benefits. I contacted Northern Rock and asked to put my PPI policy into action. They told me that there was no insurance taken out on the loan and…
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Any help appreciated :)
Hello everyone I have just joined this forum today so please bear with me! I'm 26 and have got just under £13k of debt. There is no excuse for it - I've been stupid and have never understood the value of money. I had my lightbulb moment about a month ago where I just thought...what are you doing???? I feel like it was a…