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Claim back bank charges while in dmp?
Hi,2 months into a dmp plan with payplan.What i'm still wondering is that my wife's bank (abbey) have probably charged her around £2000-£3000 in the last two years in charges-unpaid dd's etc.Can we claim these back? Or is it not a good idea when abbey's overdraft is part of our dmp? Our mortgage is with abbey as well,i…
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Monday
Help please. Just been completing paperwork for CCCs ready to send statements to creditors in the morning to begin DMP but I'm struggling. Spent the weekend in a blur and am dreading the start of the new week when the phone calls begin and the postman comes and ... I really can't seem to get it together. I really want to…
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Payplan DMP
Hello I have finally recd my DMP to sign. I have decided to stick with this for now while i find out if i can go bankrupt re my job. In the pack there is info about covering the DMP payments against death, redundancy, accident/sickness. Has anyone taken these plans out. Also is it worth taking out the life cover as i would…
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Debt Collectors/Bailiffs gaining entry?
Hi, I live in a house which is next to and above a hairdressers. The hairdresser told me that earlier this week a man in a suit with a clipboard went in there asking for me and asking if he could get entry to my house from her salon. I would have to assume it was a debt collector, but are they allowed to gain entry in this…
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Please can someone advise me--not sure what to do!
Hi OH and I have been thinking of moving for a few months---well if I am honest I have suggested it and OH just goes along with me--thats the type of guy he is! I have lived in this house since June 1988(18 years!)---I originally bought it with my first hubby and when i met OH he was more than happy to sell his house and…
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Is there a way around my problem?
Hi everyong, I would really aprpeciate your advice. At the moment I am £1000.00 in my overdraft! Today I bought some shopping at Tesco which went through fine. Straight after that I tried to buy my daughter some boots at a shoe shop and my card was declined. I don't get paid from work until Thursday/Friday. This will cause…
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income tax help...i'm screwed!
guys, i got my wages in today and i think my tax has been calculated wrong. i'm actually getting less than i was when doing less hours for less money!!! my wages before tax came to £849.16, i've recieved £674.54, which is about three quarters of my money. i used an income tax calculator someone linked to on this site and…
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Thomson Flight delays how do we get compensation?
I put this in the holiday section we had a horrendous delay last week 9 hours in total with a 7 year old. I know we are supposed to get compensated for this but anyone any ideas how we go about this. We got thomson vouchers from work to pay for this holiday so it didnt really cost us anything, but still if we're entitled…
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hi there im a newbie
just wanted to come in and say hi :D i am with my partner, one child and one on the way, partner works 40hrs a week i work 16 but leaving for maternity soon. we have £5k debt and it seems awful to us but i know its by far the worst situation, we are on a DMP with payplan right now but trying to negotiate early settlement…
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Saturday Night DFW Party! Robin Hood themed
Bring your tights!
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How much have you spent today Saturday 21/10?
Good afternoon DFWs :) Hope you are all have a good day! I've had a very leisurely morning following my hectic week - just what I needed! Went out for a bit with the OH and it was lovely! :love: We had a gorgeous meal and then a browse around the shops. I bought a couple of bits for the house so I spent £17.97 all…
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Right here goes!
Hi everyone, About a month ago I recieved a massive shock when I overspent on my current accout by just over £6, incurring a £30 penalty charge. I was due to be paid in about a week to 10 tens so I knew that money would be coming in soon. The bad news was that, being so bad with my money, I wasn't -£6 but -£706 as I have…
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i must be very unlucky. ccjs already
Hi my letter is rather long and to the point, have massive debts in husbands name, until i had to break the news to him we are in big trouble he had no idea of the level, beleiving it to be more like 15,000.00 as i have mostly applied on his behalf. trying to shield him from it, and not being open with him. i have…
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bank accounts with debit cards
I'm sure I've read you can open a bank account with a Solo card if you have pooh credit. Is this true and who with>
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Update on my friend!
Don't know if any of you remember but I am trying to help my friend sort his debts etc at the moment - well......... you were right it's a roller coaster! Brilliant news! Halifax have repayed him all his bank charges, court charges, interest etc through the on-line court system!! Thanks to the info on this site I found it…
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The sandwich piggy
OK folks, here it is! Your sandwich pig to save money! :D RULES 1. A 'pig' is something you keep money in. It does not have to be pink, round, or go oink. You may however be tempted to 'feed' something that looks cute more regularly. Sandwich pigs (SP) rule! :beer: 2. Each time you eat a home made lunch (HML) at work,…
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Is bankruptcy an option for me?
Hi I'm *trying* to get my life sorted out but i have 8 years of debt hanging over me... Ive not paid off any debts (apart from one) since August last year... i dont even open letters anymore - just leave them to pile up the only debt ive been paying was argos - it was only £20.00 a month and i last spent on that 9 months…
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What Would Be The Right Thing To Do?
If you had £20,000 what would be the right thing to do with it? 1. Pay it towards your mortgage 2. Put towards another property to renovate and sell. 3. Put towards a childs university fees. :confused:
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credit history
am interested to know what my credit record looks like but i dont want to have to pay alot of money to have a look is there a website that lets you have a look for free or cheaply?? am i just wishful thinking? thanks!
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What do I do
Hi I have some debt that I would like to clear, have looked at taking a loan to clear debt, but already have a couple of loans. I f I do decide to to take a loan, should I take the payment protection as that seems to bump up the loan. Help Totty