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Trouble with debt collector/poor credit rating
A few months ago, Ebay made a mistake and thought i owed them a sum of 250 pounds, which they passed onto the debt collector. I since proved that the claim was false, and sent of this evidence to both the debt collection (Robinsone way) and to Ebay. I was then sent a letter from Robinson Way saying they are no longer…
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Thought Of The Day
You may be familiar with Mr Micawber's warning in the Charles Dickens novel, David Copperfield: "Annual income twenty pounds, annual expenditure nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery."
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Is there another option to bankruptcy?
Hi - I've got a hefty mortgage and lots of other debt, which, stupidly, I rolled into one with First Plus. The CAB are sending me out a debt info pack to wade through, but to be honest, I thought once you were talking secured loans, there wasn't much anyone can do? I posted on another website and the Debt Case Worker in no…
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how to work out debt free date?
im sorry if i am missing something obvious i have spent the last few evenings at work reading this site and forums but i cant see how to work out a debt free date and i cant work it out myself with interest etc is there a trick to it? or am i going to havce to ask someone who is really good at math to help?
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Which credit card company will accept me!?
I am in a bit of a mess - Due to various reasons incl. extremely bad un-diagnosed post natal depression which I'm still working on - I am in a bit of a mess which I don't feel I can share with my hubby as we have enough money worries as it is and I wouldn't want to worry him any more!! Anyhow (from before we met 8 years…
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how much did you spend today? 19/08/05
well nowt so far but snooker tonight so......£15 max but norm alot less plus i went to the gym today so fairly happy and knackered!!!! good night out jim? and hows things ms london? Sui hows the week been, i have seen ur doing well anyone else i forgot...sorry but keep going!!! Will
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Do I have no way out from IVA taking all my money?
Hi Just after some advice. My husband went down in shares years back but as he didnt have the money to pay back it went into IVA (just credit cards and loans). He had a house which he has sold about a year ago but the solicitor is sitting on the money until the IVA is satisfied. Is there no way to negotiate with the IVA…
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Credit History question
I'm about to pay off all my loans and credit cards AND move house. If I pay off my debt first, how long will it be before my debt-free status appears on my credit history file.
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can they do this?
today i got a bill saying this Dear XXXXXXXXXXX, As promised, I am writing to you with more details regarding your August bill. As a reminder, the amount payable on your August bill was £262.37 Your monthly rental charges did not include your due discount. The following corrections will be detailed on your September bill.…
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New Credit or Mortgage
I had a CJC in 2003 which was cleared in full also all other debts by taking out a further mortgage I was never in arrears with the mortgage with Nationwide B.S but a personal loan with Nationwide Trust which is part of Nationwide B.S but they threaterned me with selling our home over our heads and I had to remortgage with…
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What is the best Basic account?
I'm not sure if this is the right board to post this but considering it's to do with my debts i think i'll come in here. I have just came off the phone to the CCCJS and they have told me to open a new basic account with a different bank (i'm with abbey) to have my benefits paid into as the CCCJS have said this will prevent…
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'Old' Defaults - Where do I stand.
Long time reader first time poster. Long post so bear with me if you'll give me the time. Some years ago I got myself into a spot of trouble with my finances (oh how many times this has been said and read) It was around 1997, I was 18-19 and Barclaycard had granted me a £1500 card. I was young and foolish and wasn't very…
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Excess default charges HELP!
Hi I am a newbie so please be nice! Three years ago I brought a stereo from Comet on a 9 month interest free offer. I paid the balance off in full but after about 9 months and 10 days. I spoke to a guy on the phone and he said the interest is paid monthly, so I added that onto the final payment. I cancelled the direct…
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bankruptsy and outgoings
Is there a list of what is or is not acceptable outgoings? Any advice gratefully recieved Cheers Andy C
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any difference in debt agencies?
I'm dealing with payplan to try and sort out my debts of about £20 000, though I haven't agreed to anything yet. I was in touch with cccs last year but decided against a strict payment plan but managed to get myself in more debt trying to get out of it, as I can't get it under control with just my wages (my partner looks…
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Advice needed please
I had a Capital One card which I got into a bit of trouble with earlier this year. They sent me a bill with a total outstanding balance on it of £529 in March. I paid this 2 days after the date stated on their statement. I heard nothing further from them so assumed everything was okay. In June I moved and wrote to them…
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Payment plans - can anyone share their experiences?
I wondered if anyone would be willing to share their experiences with repayments offered to creditors with assistance by CAB. I am in a huge amount of debt with credit cards and loans and approached CAB as I needed someone to help me set out what I could afford to repay as it was all such a mess. I had been working all the…
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How much did you spend today? 16/08
Will, James - where are you? :confused: Oh well, looks as though i'll have to start it. I dont plan on spending any ££££ today, I have lunch with me. We got paid yesterday, but im making last months money last until I go on holiday (2 weeks on Friday, whooo!!!). Seem to be doing ok, despite the i-pod incident (yet to be…
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Can they take my wifes house ?
Hi all I am seriously in debt and have finally plucked up courage to post on here in the hope that someone can give me some advice and possibly answers to a few questions that i cant seem to find by looking elsewhere. Firstly here are a few details about me and my debt: Bank loan 1 £25,000 Bank loan 2 £7,500 Egg loan…
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Motivation
I am a debt free wanabee in that my only debt is my up-to-date mortgage. However, it is an almighty struggle to keep it that way. I am struggling to keep our heads above water (me and two teenage daughters). Sometimes I think about loans or about things I'd like and I think....hmmmmmm....credit card perhaps? No, that's…