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Motivate me please
I am doing college course to earn money, I am a little behind and can go in on extra days to catch up, tomorrow is one of those days but I am struggling to find the motivation to go, I have got a raging toothache (dentist Wednesday) a filthy house, need to cook for the freezer and I am worn out probably from the tooth,…
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Please help me get Out of the Sinking
CCCS recommends bankruptcy – is this my only way? Hi there to everyone, It has taken me many years to have my light-bulb moment. I knew the switch was there, but I didn’t want to turn the light on. I was terrified of what that light would show me, and I was right to be scared. Below is my S.O.A. I hope desperately that…
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I count my blessings and thank the bailiff
and wonder what I did with my time before I signed up to speak to the world and his wife about my problems. I can only thank everyone for being so helpful and supportive. I have gone on so many different threads and tried to give something back. I will never moan about being in debt again having read some of your problems.…
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DMP Advice
We have an Abbey Mortgage £82,500 about 22yrs left We have a secured loan £30,000 but they sold us the dreaded ppi for £10,000 (yes i know gonna send template letter) but we are supposed to get that back if we are good in 10 years...! The settlement figure because of this is about £38,500. So £82,500 + £38,500 = £ 121,000…
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Linked Creditors - help please!
Taken the plunge and officially signed up with cccs today for a dmp. Had to phone them a couple of times and they were really helpful. Feel like a great weight has been lifted and that we are taking the first step in taking control - cut up credit cards this morning too which was really liberating! Advised by cccs to open…
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suicidal feelings again
Hi first I'd like to apologize for the title and second for this long thread only i thought it would be better to give you the full story. It all started way back 20 years ago when i met my girlfriend who i class as my wife she was lovely and still is but she had some problems, Her ex of just 3 months was a very violent…
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OU students...
I'm just wondering how you decipline yourselfs to study on your own? Do you find it easy to set time aside to study etc? I keep going back to the OU and looking at 3 different courses, 2 have residential schools which would mean 1 a year (I think) which is okay. Looking at Law or Science
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Radio 5 discussing debt problems in UK
Not sure how much longer for but Simon Mayo is discussing debt now on Radio 5
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help with spending diary pls
:confused: hi i have started using a spending diary online as advised here. i am a bit confused as to what to name the categories etc :confused: can you all share how you do it please as i am stuck ie i have put say lidl in the top,then food and grocery as the name then the amount when i go to get a report , bills and food…
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Myvesta now charging - advice please!
Hi all Have had a DMP with Myvesta for nearly a year now and we recieved a letter this morning saying that they will now be charging £15 per month for administering the DMP. We currently pay £60 a month and have nothing at all left at the end of the month so although £15 might not be a lot to some people it is a huge…
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Halifax Taking The Biscuit
Hi can anybody help. Have just checked my experian report as i'm looking towards remortgage as my mortgage product is due to end on the first of march. I have a old halifax unsercured loan which i missed payments and then settled april last year (£450). Having settled the account a year ago (about) i thought that if i…
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Money shop & The Cheque Centre
Hi, I've fallen into that trap of borrowing cash till pay day and i've really fallen fast.... Do you know whether either companies can let you pay it off over 5 months rather than me ALSO having to pay the additional cost of 'carrying it over' till the next month (which costs me about £80 a month). I'd really appreciate…
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CCCS and Payplan - Debt limit?
Hi Does anyone know if CCCS and Payplan have a minimum limit on the amount of debt they can deal with? OH has had his LBM, and is struggling. He says his outgoings are bigger than his incomings, but I've not had a chance to look at them. He is guessing his debts are about £6,000, he has defaults etc and at least 2 loans…
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to let every1 know how far IVE come
since i found this site, ive found many tips of ms, it certainly rubs off doesnt it. im trying to get my mum and dad thinking my way;) well, normally january is a poor month, usually going over od etc. ok, i know as ive got 2k mortgage arrears currently, im not paying my creditors the amount i was when on dmp, only £1 each…
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Problems With IVA through Payplan
I've had an IVA through Payplan since October 2006. I have discovered via my annual report that Payplan have not been distributing my monthly payments to my creditors. Payplan say they have been waiting for my creditors to confirm the final balances owed before they distribute the money. This seems crazy as the IVA has…
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help what would you do
I have sent letters to all our creditors offering a payment based on the debt amount and the amount of money we have to spend each month. We have recived a letter today from scottish power which says Thank you for your letter to our customer sevrice centre regarding XXXX i can cnfirm that the full outstanding balance one…
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Do all bank accounts have a set monthly amount you have to deposit
Afternoon everyone I apologise if this is in the wrong thread couldn't see one about bank accounts I have a very bad credit rating and have a main bank account that all my wages go into and all my direct debits come out For now thats absolutely fine i'm meeting my payments no worrys there I am making money on the side…
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Debt As A Guarantor!
Hi All I Am A New User 2DAY, AND HOPEFULLY SOME 1 WILL BE ABLE TO HELP ME WITH MY PROBLEMS. ME AND MY PARTNER BOTH BOTH OWN OUR OWN BUSINESS AND WE BOTH AGREED TO BE MY FATHER IN LAWS GUARANTOR, HIS BUSINESS IS NOW GONE INTO SERIOUS DEBT AND HE HAS REMORTAGED UP TO THE HILT TO KEEP THE BUSINESS AFLOAT WAITING FOR BETTER…
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My story
Ive been advised to post my detail here so here goes. Im in quite a bit of trouble at the moment. I have a mortgage of £72000 on a property worth £85000. I currently have mortgage arrears of around £2000 and have recieved threatening letters from my providers concerning repossesion proceedings. On top of my mortgages…
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Pay off or not
In terms of getting out of debt, if you had a windfall would you pay off the mortgage or invest it. It seems that paying off the mortgage looks a no brainer but then your money is locked forever and can only be unlocked again by taking out a loan. In which case, isn't it worth investing it and accepting that you're…