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Daily Chat 21st Feb
Morning all! How's everyone doing today? I did waaaay too much housework yesterday so going to have a lazy one with doing only the essentials today...lol What's everyone else up to?
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What small DFW thing are we doing today 20/02/08?
Hi, Thought I'd start the thread off this morning. Today I will:* Turn off electric appliances that are not needed (lights & security light) * Made lunch for work (bought a pre-cooked chicken reduced from Tescos last night) * will re-do my budget and inform CCCS (or I think they cancel my DMP:eek:!) * will leave the house…
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What should I do £16,000 in debt
I currantly have 2 tenant loans I pay £250 per month to each loan company, But I only earn £200 per week then theys my other outgoings like car and food etc. The settlement figures are currantly at £8,000 each I do have £6,000 in the bank but I do not want to take out an extra £2,000 loan because due to my really bad…
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Can I change home insurers after 2 or 3 months?
Can I change home insurers after 2 or 3 months? I have put this on the home insurance discussion forum also, but this forum seems friendlier!! Hello, I know when you take out insurance it usually says you can cancel withn 28 days, but if the insurance has been running since 25th December 2007, would it be possible to…
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Advice on debt consolidation loan please...
I have a loan of £10,900 and a credit card of £1200. I tried to get my payments reduced or a loan to combine the two but I was refused credit. A company I spoke to today will freeze the interest on my loan and credit card, and pay them for me. I'll pay them £200 a month (what my current loan payment is a month) and out of…
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I have been very naughty
Just spent £27 on a new radley bag :o But in my defense... 1. Had a rubbish week last week after hubbie gambled £120 of rent money away so needed a treat 2. It will go perfectly with the dress I got for 99p off ebay for my sisters wedding 3. I went via quidco for cashback and used a 20% discount code So, am I…
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CCA has been sent for old car loan with Yes....
We sent a CCA request letter to a debt collector who, out of the blue, started writing and phoning hubby for a car we had from Yes car credit in 2005. Back then, after a couple of weeks we gave the car back as there was a number of faults on the car and we just couldn't manage the repayments. We were told that the car…
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please help me with an IVA problem
removed my info as its much clearly explained by the lovely person below me. any help would be great
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Bailiff removal notice Help
Can anyone help I have moved into rented accom and have been receiving bailiff letters for various debts from the previous tennant, my agent said forward all the post to them and he will deal with it. Today I was sick of it so I opened the letters, both are Bailiff removal notices for two different debts saying they are…
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CCA Letters
Hi new to all this and think its a great site just have a couple of simple Qustions When do you send the 2nd CCA letter after 12 days or 12 days + 1 month as I am have doubts over a debt that was taken over by Hillsden Securites
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Can I ever be debt free?
Hi All This is the first time posting to the site and I have finally plucked up the courage to post a message. There seems to be loads of valuable information and people in similar situations and I have found reassurance from reading some of the postings which kind of gave me the courage to make my own posting. I need…
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When Debts get passed on to Bailiffs (& other advice)
what can you do? is there any alternative apart from making a payment agreement with them? this is non-council tax btw. My Parents are in Debt and I don't even know where to start to help them. They've already had £2000 off me which were my savings and not to mention other money, but I can't give them anymore, I am 23 and…
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need some advice pls
ok so 9ish yrs ago i got a CC....long story short events happened divorce etc anyway i got into trouble repaying it well they are still chasing me for the grand sum of £2800 and now i have a solicitors saying the comp are going to make me bankrupt my question is what happens now? they are refusing all offers to try to…
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Please Help!
My husband & I are in serious debt & I just don't know what to do to get us out of it. I am only 26 & he is 28 we have been married 6 months. We only rent our property as we probably would never be able to buy. Between us we probably have in the region of £100k debt, this is on loans, car finance, credit cards, house hold…
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Abolish Financial Services Ombudsman
Dear Forum members If like me you've got an horrendous experience of the FOS or know anyone else who has, you might be interested in a petition to abolish the Financial Ombudsman Service. Its available at: http://petitions.pm.gov.uk/FOService/ :T If link doesn’t work can be copied and pasted into browser. Please forward…
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DFW newbee
Evening all, I have been trying to sort out my finances for ages, I keep planning but never seem to get any further than that. So here I am. I need to put together an action plan and get myself out of this debt. Monthly Incomings Salary = £1142.00 Total: £1142.00 Monthly Outgoings Rent = £250 Council tax = £137 Gas and…
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HSBC CCJ and bank charges dispute
Hi HSBC bank are taking legal action to recover £2200 i have calculated approx 1500 of this is made up of bank charges, which i understand wi will probably be able to claim back once oft case is completed.In the mean time I have been paying token payments to them until i have the money to pay back . What will the courts…
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I am really stuck in a rut and its getting bigger
Right we have been in touch with both cccs & national debt helpline and both have asked us to send letters out to creditors that we can not afford payments or to declare ourselves bankrupt! the thing is we cant even afford to declare ourselves bankrupt! i really have no idea how to go on about this, and beleive me if i…
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refund from catalogue???
i posted a thread last year about me having paid a catalogue debt for an ex boyfriend and how i couldnt keep up and having seen this board decided to write and explain how it wasnt my debt - this was done and they shut the account, but, ndr still havent returned the monies i have already paid - do you think i should pursue…
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Debt help and advice
Im new to this particular board and wondered if someone may be going through or has gonethrough the same situation as me. Me and my OH are in debt for 30,000 in total which mainly include credit cards with low apr and a LLoyds tsb loan and lloyds odraft. The loan intially was to take all ccard debt in one monthly payment…