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Newbie needing help!
My OH and I need some help in getting rid of his ex wife (no we're not planning to bump her off!!!!). He has several debts that he has clocked up on her behalf from when they were married and now they are getting divorced, we want to try and get rid of them so that we can get her out of our lives financially. This has…
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Help me please!!!
Hi I love this site and it’s been rock solid to me, but I’ve hardly ever used the Chat Room, so I am giving it a go. I recently posted another message and got a great response, you all sound like great people. My problem can be summed up by saying that when I first met my partner I was £4000 in debt, and now I am…
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Sky tv
We have had sky tv for nearly two years, but upgraded to sky+ earlier this year. Could we cancel our subscription or do we have to wait until we've had sky+ for a year?
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Cancelling Services - legal position
Hi there I have a couple of questions about cancelling services. Firstly Sky. I had a Sky+ 160 box installed 8 months ago. I seem to remember that there was a 12 month contract requirement in the T&C's. If I want to cancel will they want me to pay up to the end of the 12 months or will they ask for the box to be returned?…
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expensive car payments!
my car payments have become too high due to a change in personal circumstances. I have got the settlement figure for the finance which is £1180 higher than the value of the car. This means I can't get a cheaper car due to the negative equity. I have only had the car for 1 year. Has anyone got any solutions.
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I know it's late but...
I know it's late but we need help. Stupidity and the fact that large CC limits were thrown at us over the past 4 years mean we are facing a tough (impossible?) time. I guess the lightbulb moment occurred about a year ago: hopefully you can see from the numbers below that we have since trimmed out all the excessive…
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Oh my god. I think I'm going to lose my job
My work has just announced 133 redundancies - more than a quarter of the workforce. Production journalists are in the firing line, which is me. We're well reseourced on our desk, so I think that puts me pretty high up the firing line.It's a total nightmare - my DH is just starting a two-year course to be a music teacher.…
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chocolatecake's diary
Hello guys, I've been lurking on DFW for a while and just wanted to say hello :T I'm looking forward to getting to know you all better - you seem like a friendly bunch! I'm well on board with my own debt repayment plan, a drastically reduced SOA and earning money through quidco, Pigsback, eBay, Amazon, car boots. I'm…
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Got bank charges back
Thought i'd missed the boat with the reclaiming bank charges thingy but ive just got a letter through the post this am from hsbc offering me 315 quid back its only 70 less than i asked for so i am going to grab it while i can, they refused me anything in the first letter then i sent them a LBA (letter before action) and…
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Can someone help me? I'm new!!!
CCJ's Even if you admit to the claim and ask for time to pay,is it true that you still have the CCJ issued against you ? Thanks:cry: :cry:
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Iva's
can anyone tell me about them? i know you can offer to make a min payment of say £1 a month, but when can you make this offer, to pay back a debt? like when you owe a lot on say a credit card or catalogue debt. and how do you go about it?
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My debt's now under a grand!
:j As of today my debt is under £1k!!!:j I'm very excited! In fact, my debt is now less than the amount I have in my savings, AND I have all enough saved separate to that for all my big bills next year! Soooo happy! I could just pay off the debt but it's on 0% so that doesn;t make sense, but I still feel it's a great…
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Family Member Denying They're in Debt.........
a family member of mine is completely in denial they they're in debt. I know they're in debt cos i've seen letters demanding payments and they always hide the post when it comes, only opening ones that arent' important in front of me, and also i've answered phone calls asking for them and they're always the same numbers…
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DPA - Late information
I hope one of the legal brains is lurking, and can offer me some advice: This follows the problems that I had experienced on car finance, culminating in the repossession of my car, despite my efforts to find an alternative solution with BH, and the issue, four months later of a demand for a further £1,700.00. I requested…
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What's the point?
Really wondering what the point is in trying to pay these debts off.It's going to take me years.Don't know why I'm bothering to be honest.
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first time I've ever complained today and
Went to KFC at dinner, ordered 3 meals one without cheese or mayo but when I got them home, they'd ignored my request! Our came the yellow pages and I rung to complain:o The result was we got a fresh new order AND a refund:T Since I started doing Mystery Shopping, I've also noticed that I have more confidence in shops to…
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They're trying to say it's my debt! It's not!
Hi I have an account with Vertbaudet Which i have managed myself. When i was in my previous house with my previous partner (who i now don't see) he had an account with the same company. I moved last september and a few omnths ago i got a bill from them with a different account number sayinmg i owed over £250, i queried…
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How much have/will you spend today Saturday 9/9?
Good morning DFWs! :wave: Hope the sun is shining wherever you are :) I've had a very early start to the day which is unlike me on a Saturday! Made my list of things to do, which includes a long walk - good for the body and soul. Registered as self employed today. I only do mystery shopping a few times a month but I was…
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bank charges query, help!!
hi there all, hoping someone can help with my query. I want to claim back some bank charges from Barclays over the time I had an account with them, which is 2002-2003. The charges (for going over my overdraft limit) come to £320. I've tried to calculate the interest I was charged on these as well and have carefully looked…
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Legion
I've mentioned it in another thread but thought I would throw it out generally. If you served in any of the armed forces including the TA even if it was for only one day, you are entitled to help from the British Legion. This includes grants etc for debts but I think there are certain conditions such as they won't help…