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Found 7 results

  1. Hi all I am after some advice. I am currently on a DMP through Step Change and I have been paying £422 a month for about 3 months now. I am due to inherit some money so I want advice on paying the debts or ‘settling them’ as I have seen in previous posts. Full and final is what I have seen crop up a lot. The balances are as follows; £27,814.00 – Sainsburys Loan showing as ‘1 month late’ on my credit report £2,265.00 – Halifax Overdraft £2,028.13 – Halifax Credit Card £3,826.00 – MBNA Credit Card showing as ‘1 month late’ on my credit report I have seen posts about offering 20% to each firm, can someone point me in the right direction for templates ect. or advise what I they recommend I should do. If I can get them all settled and get myself off the DMP how long will my credit file be effected for? Thanks, Sam
  2. http://www.mirror.co.uk/money/vodafone-billing-meltdown--what-8160549 Isn't this something we have been telling them for at least the last 18 months !
  3. How am I to handle rental income for the purposes ofcalculating payments? I have PAYE salary through a Ltd company, and some viapersonal BTL properties. Would the CSA expect me to exclude BTL mortgages and treatall rent as income? (similar to how they would exclude my own mortgage as partof the gross calculation) Any help would be appreciated!
  4. http://metro.co.uk/2014/10/15/alzheimers-pensioner-sells-home-to-pay-for-care-then-gets-all-clear-4906574/
  5. Citizen Advice Bureaux has released the following : - What is theBenefit Cap Read more: http://www.adviceguide.org.uk/england/benefits_e/benefits_welfare_benefits_reform_e/the_benefit_cap_what_you_need_to_know.htm
  6. Legal loan sharks are normalising debt and, worst of all, the Government is cosying up to them. Of all the stupid, shameful things I have admitted to in this newspaper – watching The X Factor, being in love with the Duchess of Cambridge – having taken out a payday loan must top them all. I ummmed and ahhed about revealing this for quite some time, because coming to work naked would be less embarrassing, less humiliating, less ignominious than admitting that, over the course of two years, I paid almost three grand for that £700 loan, a loan I took out just to pay for a flight to Kenya so I could attend my best friend’s wedding, a marriage that dissolved within a year, meaning that, in essence, I had spent £3,000 to (sort of) see a pride of lions, get chronic sunstroke and be bitten to buggery by a load of malarial mosquitoes. I was a fool, an idiot, a wilful ignoramus, and I became trapped in a cycle of endless, knowing stupidity. That is how payday loans work, and how the people behind them make their millions. When applying for a quick-fix cash advance to tide you over till you next get paid, you are made aware that the more you put off paying it back, the larger the debt will get. But as you don’t have the money at that very moment (you never had the money in the first place, which is why you took out the loan…), you can bung the lender a few quid back to keep them happy for the time being, putting off the inevitable for a couple more weeks, at least until they start pursuing you aggressively for their money. Which, of course, they have every right to do (although are four phone calls before 8am on “pay-up day” really necessary?). But, then, they probably prefer you just to throw them another couple of hundred quid to defer the loan for a month, thus continuing the cycle for a bit longer. You can scream “Stupid girl!” at me, but that is no solution to the growing popularity among the middle classes of the payday loan, a product of the financial buffoonery that increasing numbers of us have come to know and not love over the past few years. Last month, the Consumer Credit Counselling Service revealed that it had received five times the number of calls from people struggling to keep up with repayments to payday lenders as it did three years ago. It is thought that up to two million people could be payday loan customers, many having more than one debt, and some as many as 10. More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/loans/9645902/I-took-out-a-payday-loan-but-at-least-Im-ashamed-of-it.html
  7. We went to Barcelona for five days in June. We signed up for Vodafone's Euro Traveller bolt-on at the airport, but it looks as if our account and number was breached and something like 6gbs has been downloaded in a short period of time, causing us to go over our 750mb limit. We face a bill of £5,556.74. Six weeks after our trip, and nearly a dozen phone calls on our side to Vodafone say we still owe them this sum. On 3 August, without warning, both my husband and I were cut off from the Vodafone service. He was on his way to a meeting and was unable to contact his client to tell him he was running late and had to try to find a pay phone to call him. This caused us acute embarrassment as we are a small company and every meeting and every client is very important to us. VJ, London Vodafone quickly admitted it had made a mistake. It said the unexpected charges were a result of "the failure of its normal processes". A spokeswoman said its Euro Traveller bolt-on doesn't work with its older price plans. Staff should have recognised this and asked you to change to a more current plan. They didn't do so in this instance, so Euro Traveller was not correctly applied. She said its systems also failed to cap the amount of data used. The company has credited your account for the amount you were wrongly charged and has offered to pay one month's bill for each of you as a gesture of goodwill, totalling £80. You are delighted that the debt has been wiped clear, though you were initially unhappy with the level of compensation offered. But you accept that it will be hard to prove that Vodafone's actions led directly to any loss of business so you have reluctantly decided to accept the company's offer, but it is unlikely you will remain a customer. More : http://www.guardian.co.uk/money/2012/sep/01/vodafone-roaming-package
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