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Refused an IVA - why?
Hi guys Although I have debts, I've always (luckily) been in a position to pay them and am starting to make inroads into them so please excuse my ignorance of IVA's and DMP's. I have a friend who has approximately £20k worth of debt, earning a salary of £15k. His wife does not work at the moment, basically because she is a…
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Hubby says I am getting tight with money
Over the last few days I have been trying to tweak our SOA to save some money so I .... Cancelled sky Saving £21 Changed payment protection on mortage Saving £9 Changed phone call providor Saving £5 Great £35 per month saved although will not see it for 2 months due to canellation periods. TAX CREDIT OVERPAYMENT ....Ok so…
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Prioritising Debts
Stepdad has a 15.9% Credit Card for £3000 (0% on purchases expiring this month, 0% BT through to September). £1120 has been spent on purchases, the rest is from balance transfers. 12.9% Loan for 8000. The big question is which would you try and attack (pay off) first and why? He has just been rejected for an egg loan, we…
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Letter to my creditors, call from my DMC. Worrying!!
I have made a 1st draft of my letter to my creditors, could anyone please take a look at this and give me any useful basic advice which would improve it. Thanks in advance.
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So annoyed - losing a day's wages
Just need to vent my annoyance - had an argument with OH last night and it didn't get resolved before going to bed. So I didn't sleep and this morning had a really bad headache and eyes are a bit puffy to say the least. I decided to call in a sickie. Now I feel awful as I am hourly paid and will lose a day's wages but did…
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Anyone done a "Retun to sender"?
hi everyone, does anyone know what would happen if for instance i had a final bill from an old electricity supplier and without even opening the bill just return it back to them saying "no longer a resident" what would happen? Best wishes Luke
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Advice needed on compensation for a wrongful default entry!
Hi MSE’s I need some help please, I have been given a default on my credit file from an old mobile phone company last year. They didn’t send me any notification (default notice) and just applied it without telling me! I am about to write to them to get it removed according to the consumer credit act; section (76,78,79, 87,…
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MS_London!!!!
Clear ya inbox girl :D its full up :D
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New DFW here
Hi all, Just a Message to say hello really. I'm glad to have come across such a helpfull forum. I will shortly be asking for advice and help on my current financial situation. I want to get out of debt asap. I'm 22 in about 5k. good thing is I still live at home, so all my wage can go on payments and pay off my debt. I…
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Want Radio 4's help with your debts?
BBC Radio's Inside Money programme is looking for help with a programme it's doing on dealing with debt and IVAs. If you'd be interested there's more info below: _________________________ Are you struggling to deal with your debts? Have you seen adverts promoting solutions such as taking out an Individual Voluntary…
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Woah, is my luck changing?
Proof that being positive about things does really work http://forums.moneysavingexpert.com/showthread.html?t=206985&page=2 Also currently im joint top on the MSE fantasy football thing, although my lame players have blown a ten point lead, just like Newcastle did a few years ago and ive run out of transfers lol Other than…
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Removing Late Payments on Credit File?
Has anybody ever had the cheek to ask for their bank/credit card supplier to remove any late payments on a credit file and been successful? I have read http://forums.moneysavingexpert.com/showpost.html?p=1262355&postcount=2 and this poster seems to have had some success with HSBC. I was wondering if anybody else had done…
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"Extreme debt levels rising" BBC website
Just saw this on the BBC website..... http://news.bbc.co.uk/1/hi/business/5104716.stm apparently CCCS have reported on the rising number of people with debts & the value of debts they are seeing - maybe its just that more people are reading this forum & then going to them for help? discuss.....!
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Advice on paying things off!
Hi there, I'm fairly new to this money saving thing having started in March 2006 and already a lot of the principles are making such a difference to my finances. I have an outstanding loan and car loan and have tightened my belt to put £340.00 aside monthly to go towards paying these off early. If you are making extra…
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Reclaiming Bank Charges
Just a quick question... I'm not really sure if I've ever incurred much in the way of bank charges over the last 6 years. I'm sure I probably have, but think I got them all refunded at the time through complaining. Now my question is am I silly to send my bank the letter asking for a list of charges, only to find out they…
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Where do I begin?
I have been reading your advice to everyone and hope that you can help me too. I think it is about time I faced up to my debts - which I have been ignoring and am now struggling with. Have a debt company on my back as I can't pay my credit card - limit £3900 - actual balance £4500 including charges. Living in London is…
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Need some help please...
Hi I have a range of debts which i really want to sort out, and uptill now I have managed to get by and even pay a little bit off some . But I have just been told by one company they are going to take me to court and make me bankrupt. I really don't know what to do. I owe them about £2,200 and I have offered them £100 per…
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Could I lose my job? - SOA included - pls read
I had my lightbulb moment a few months ago, I have put it off but due to a change in circumstances I no longer have any choice and will have to enter into a DMP or IVA. I will be ringing payplan tomorrow morning but i'm terrified that I will lose my job. I work for the Police as Police staff (civilian) and in my contract…
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Notice of correction- Good or Bad
Hi I read in a reply tht adding a notice of correction means that any credit application has to be manually assessed but that some companies think of a notice of correction as a cop out for bad bedt. Does anyone have any advice on this or any experience? thanks
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Pension or Debt
I think a few of you know my situation but just to recap....I owe roughly £14k, all interest free at the moment so I opened up an ISA to make the most of tax free interest to pay off my debts. I am eligible to join my company pension scheme in which I can deposit a minimum of about £40 (before tax) into. Would you join the…