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Need help with my SOA!
Hi all Here is my SOA. Initial notes: ***I am a single parent*** ***Am being made redundant at the end of March*** ***Am awaiting recalculation of HB and CTB due to a reduction in hours at work*** ***Don't receive any child maintenance at present. Tax credits overpayment from joint claim with ex so are jointly liable, also…
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Need advice on spiralling debt
Don't know best course of action - can someone help? Husband is semi-retired and earnings between us, including pension = £2170 Monthly Expenditure; Mortgage: £712 Council Tax 125 Pet Insurance 51 (two dogs) Life Ins 17 tv licence 25 Service fee 25 Gas/Electric 50 Bank Interest 50 (on overdraft) Loans 175 Telephone 25…
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snowballing...?
Hi I've heard a lot of people refer to snowballing.... how exactly does it work and how do i work it out? ive tried searching for info and cant find it on here! :o
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Help Needed - Debt agency
Hi Guys, I was previously in a fair bit of debt, around 30k, but I am now debt free, or at least I thought so. I had a letter from a company called Debt Managers LTD. saying I owed Aktiv Kapital £389. I thought this had been settled back in '03. What further compounds it, is that I do not know where the debt originates…
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Someone Please Give Me Peace Of Mind :-(
i got a letter the other day saying i owed £2500 from a car i had on finance in 1999,i aparently last paid something in 2003,the total value was £6800 and i paid off £4000 and then met (my now wife) and moved to swindon where she was from,and kind of got side tracked and stopped paying for one reason or another(not…
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Calling Patchy987 ....
.... come in Patchy - are you receiving me?:D I'm here with my calculator standing by to help. I've got to pop out this afternoon so if you don't hear from me straightaway it's not that you're being ignored - I'm going shopping (I know I shouldn't (look at my sig!) but there you are). I'll have a look for you when I get…
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Help Please
Guys, I'm stuck, I really need some advice. Having a major dilemma... At the moment I earn about £285 a month and get my student loans/grants of £1556 each October, January and April. My outgoings are £280 a month. The first lot of student money was lent to my brother, the second lot paid for my car accident and £300 is…
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Ccj From Ex-employer
Hi to all, Can you help me please ? I have received a CCJ from my Ex employer for £3000.00 . This is because they overpaid me over the time i worked with them. The amount accumalated over 2 years believe it or not and they didn't notice until i decided to leave !!! I honestly never had a clue. I was paying this off a…
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HELP - anyone out there got advice?
Hi, trapped in IVA I can't pay. Payments already down to minimum creditors will accept, currently running with a deficit of £121.00 per month and can't clothe the kids or make ends meet. Have all but decided to go bankrupt as can't go on like this. Cannot trim outgoings any further. Has anyone gone for bankruptcy after…
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can someone tell me how they find out where a telephone number originates from
I'm sure I saw it on this board but can't find it. Is there a site where you can type in a number and find out where it originates from? Thanks
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Why do CCs insist on communicating by phone not letter?
I am currently in discussions with several credit cards regarding arrears and everytime I send a letter they refuse to answer by mail and insist I call them. Why do they do this and are they allowed to do this? Is it approved of by trading standards and the FSA?
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Worried About Fiancee's Debt?
I have been living with my better half for about 10 years so she may as well be my wife but I'm a bit worried about her debt. At present I pay for food,electricty,phone,oil heating,sky,TV lisence, and her debts which amount to about £6-7k infact I pay for almost everything. She pays for her half of the rent and items for…
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ccj and time limits
does anybody know if there are time limits for ccj's from serving the claim to proceeding with the claim. I was issued with a claim agaimst me in 2006 - until the present date the claimant has not proceeded with the claim. I admitted the claim and returned the forms but it has never been dealt with. Can the claimant use…
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SOA - am I doing it right?
Hi all, having look at other threads for a while on here I'd like some advice please. It's a long one! Lightbulb moment was my partner becoming pregnant and realising we'd need to clear the debt to provide for the lil'un. It's all my debt and not hers I should point out. I built up the debt from earning too little to pay…
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Help please Debt from 1998 i'm confused.
Hi, Please can someone offer me some advice on this situation. I received a letter today from a debt collection agency for £304.30. I rang the agency because as far as I am aware I don't have any outstanding debts. The lady confirmed it was a debt owing to littlewoods from 1998 at a previous address. The thing is I don't…
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Newbie -help with my dmp and debts
Hi all, not really new to the site but new to posting, anyway just wanted some help with my dmp, about 6 months ago i arranged a dmp with payplan on debts of about 25k, i had to leave my job due to serious knee injury which caused me to become classed with 17% disablity and ad no income other than benefits. the knee pain…
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Just a quick one! Please advise!
Hi all After soughting advice off this fantastic website I just have one quick question. After having the same problem like some people on here with debt collection agencies hassling us all. I sent them a letter saying that I DO NOT acknowledge any debt to your company, I read that the debt becomes barred after six years…
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Wescot Credit Services....any info?
:mad: I have just got in and received a letter from the above company demanding £31.21 for an outstanding account. Let me fill you in on the background as I really would appreciate some advice here. Back in 2002 I had a CCJ from Kays catalogue for £918.96. Last year when we were looking at private rental properties I had…
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16k in debt been to CAB..
Been to CAB, very usefull and helpfull, I'm in £16,394 in debt. Written to Companies with a repayment plan and financial statement as prepared by CAB which also aked them to freeze any further interest. Spoke to Barclaycard and they have stopped my cards and accepted plan but still will charge me interest. They also said…
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Loan and credit card advice needed please.
Hello all. I'm hopefully getting myself sorted after the wife made her decision to leave me. Now I need to get my finances sorted out and if anyone can help, it would be greatly appreciated. I can't post an accurate SOA as yet due to the fact that in a few weeks time, I'll be moving out of the bungalow that we get with our…