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Want rid of the Millstones!!
Hi all, We are not new to the forums but are new to posting so here goes. I decided I've had enough of burying my head in the sand and so I set to work gathering our paperwork and looking through our credit records. Between us we owe about £6k to 9 different companies (one of them a £4k credit card debt). We have done the…
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Can You Trust An Email ?
Just been on the phone to a DCA. They offered to reduce my amount owed from £8000 to £6000 if I paid within 7 days. They sent me an email confirming this. It is an email from their official email address. Two questions : 1 : Can they go back on this if I pay the 6k within 7 days ? 2 : If they do is the email legally…
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Amazon
Sorry I know its not supposed to be here but posted elsewhere but nobody has replied and need an answer so I know whether to post this now or not. Basically a month ago I put some old textbooks on Amazon to raise some money. Haven't heard anything up until today when I get a message from a member saying they have bought my…
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Is consolidation always bad?
Hello everyone, Just after a quick little bit of advice please. I'm currently paying around £800 a month towards my debts but the problem is, as soon as the smallest unexpected purchase or bill pops up I have to put it on a credit card and end up feeling like I'm making no progress. I'm considering lumping everything…
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splitting the debt
what happens to your joint loan if you split up with your partners, I have basically had enough, we have 15K loan with HSBC and i want to save and pay it off but OH would rather spend, spend, spend !! i have tried to sort this out with him but hes not listening - this is the last straw. You help would be appreciated.
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Advice please
Hi, really need some advice as today was really bad for me. Been struggling for past few months - borrowing what was left on cards to make minimum payment and then there was nothing left. Never felt so ashamed as to ring all debtors. Some were very understanding and advised me to go to CCCs - just had appointment and have…
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Threatening Legal action :(
3G wrote to me a little while ago requesting £66 from a previous contract settled 6 months ago. I checked my CRF and the account is shown as settled. I wrote to 3 asking for them to provide details of why and how I owe this amount. This was all around 2 or 3 weeks ago. No reply from them. This morning I have recieved a…
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I need cheering up
Dont know why but today I feel SO down and miserable. The money situation whilst not fantastic is no worse, DH's health is no worse, he's managing to go into school and isn't back at hospital for ages.Animals are all well,its tour time which is the thing in the world I enjoy more than ANYTHING. And all I want to do is cry.…
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Orange Phone Bill??!?
I had a contract phone with orange that was £35.00 per month plus £5 insurance. The screen cracked on my phone after one week but i was told that it couldnt be fixed under the insurance as it was only cosmetic. This wasnt the case as stuff would get into the crack and on the screen. Also i was constantly going over my…
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I claimed back my charges!!!
Well thanks for everyones help and support i today received a cheque for £722.00 but have been charged £112.00 whilst claiming! haha so gota start again! i am well on my way to being debt free, there is such a big weight lifted off my shoulders!!! :money: :beer:
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Paypal scam - am i going to lose money?
Hiya Can anyone offer advise on this? I've just received an email supposedly from paypal saying it was a receipt for a salsa dress I had supposedly bought for £36.00. I've not bought this item. It also said....'if you have not bought this item please click here'. Which I didn't. I entered paypal through google and there's…
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help?! Advice needed
HSBC and i have an ongoing complaint. I wrote to them and said, and i quote '...and again request that you freeze my account, recall the debt from MCS and agree to come to an arrangement with me directly to pay the balance owed. I hereby enclose a payment of £20.00, and am offering to begin to pay off my debt at this same…
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Teaching teens to be debt free
This may not be the right place but I was wondering what is the best way to keep my kids debt free? They have £30 pm pocket money and seem to be coping ok with that at the moment as they have no real chance to run up debts but I do worry about the future as we all know how easy it is :mad:
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How much have you spent today Thursday 19/10?
Good morning DFWs :) One last push now - nearly the weekend!!! I am feeling lovely this morning :rolleyes: Woke up thinking it was Friday and sadly it isn't it. Then I spilled my cereal and milk all over me and had to get changed again. Fell as I was getting in the train and dropped my bag and its contents on the floor but…
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Letter recieved Saturday
Just an update for you, I had a letter from the bank to say they would give me £700 for full and final settlement on the bank chages I brought up. Although it is actually the grand total of £2000 in the last 6 years! Now im in a quandry, do i take the £700 or go for the full amount? :confused: What do you all think? CarliJ…
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Natwest Loan - dodgy deal?
Hi there, I'ver got a 10k Natwest loan that was a quite a competitive rate when it came out 18mths ago (6.5%)... Being moneysaving I wanted to overpay on this loan as my salary has increase but the sneaky people at Natwest add all the interest on the 10k immediately (worked out something like 11,750 in total) so makes _no_…
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How long for DMP to take off
Just advised of DMP by CCCS how long does it usually take to start up?
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What do people pay to live in shared houses?
Hi My son has been to look at a shared house today----it is a lovely town house--shared kitchen, bathrooms and lounge|(think there are 3 bathrooms!).The guy is asking £300 a month which includes all bills.His room is furnished too. I went back tonight to have a look and it really is gorgeous in a lovely part of town. He…
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Done It
I had my appointment with CCCS this afternoon :T .If anyone is feeling anxious about theirs I can say that I found them really helpful & supportive - they didn't make me feel like a fool for getting in that situation in the first place! It was a bit overwhelming having to write down all my debts and read them out to the…
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I'm a newie - help please.
hi everyone! have just joined this forum and am finding it really positve :D I have so far signed up for MS and with Quido. Can anyone give me any more tips? esp with xmas coming up, how are you planning getting everyone prezzies? is there anything i am missing? ie: a way to vouchers etc? as have seen peoples 'vouchers'…