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Doorstep visit
I have a debt that is statue Barred...Got advice from citizens advice and have got trading standards involved....But still the debt collection company are sending me letters. The latest one says that i should expect a doorstep visit soon and i have 48 hours to pay the amount...Which dates back to 1999...Anyway...can they…
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Having a charge put on your house
Hi there I am seeking advice for a friend, though I have a feeling that they have been a little ecenomic with the truth- I figured you guys could help to unravel it! The story : About 8 years ago took out a credit card whem living in rented accommodation (sp?). Something somwhere went wrong with repayments (haven't fully…
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How do I increase my Credit Rating?
My partner has bad credit rating, but has no debt. All information or help we can find it all deals with people with debt and what to do. In the past he has tried to get a credit card, but has been declined, as someone mentioned if he got a credit card with a high interest and buy one thing a month on it and paid it off…
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can i cut my outgoings??
my partner is a student and has just been turned down for a hardship grant as they say our outgoings are too high...is there anyway i can cut them?? money coming in.. 193 ctc and 42 child benefit..weekly my partner also gets a student loan/grant which totals 7500..out of this he has to pay course fees 3000 (he has to pay…
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On a DMP and here's my SOA
Ok, so I'm on a DMP with CCCS (since May) and currently seem to be struggling to pay everything :( Before I contact CCCS with regard to changing my payments..... Do your worst ;) Income £1,300 a month Out: CCCS 640 Gas £60 - prepayment - only have heating and hot water on approx 3 hours a day and heating on low - obviously…
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Does this make any sense?
I've got something about this on my diary thread but I'm looking for some comments from others about my situation. Sorry it seems so long.:confused: My debts as they stand are like this: Virgin: limit £7,400 current balance £6960.82 APR 34.9 from March Lloyds TSB: limit £11,000 current balance £10443.40 APR 16.9%…
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New Year, New Pev84....I hope!
Hi All, Been a follower of MSE for a while, and always thought I was in control when it came to my finances (bit of head in sand I reckon!) Anyway - lets cut to the chase! Here is how it breaks down, can anyone recommended a plan of action for me? Monthly net income - £1313 (after £50 in a sharesave scheme and £59ish…
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Have posted this on mortgage board too - no reply yet - help anyone?
Hi All, I would really appreciate some advice here as I have had a tendency, where money is concerned, to take the 'easy/ quickest' route back to solvency in the past through taking out loans, credit cards to bail me out. Have come up with a 'little plan' .... is it a good one? I took out a £125k mortgage in November 2002.…
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Debt payment advice
Hi, I have a question which I need answering as it is starting to worry me a little. basically I have been in debt for a while now and a credit card I had with HSBC was passed onto Thames credit limited. Now bare with me here..... To pay money towards this account the first time I used my internet bank (Nationwide). As…
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i'm new and need to offload in cyber space
i dont know if anyone will read this but i just cant sleep cos i've basically had enough of my never ending financial problems, i work in Accounts, i'm sick of re-doing spreadsheets showing my own incomings and outgoings, i am living in rented accommodation that i so cant afford with my 16yr old son, who isnt in full-time…
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What do CCCS do? can they help my situation
Hi, Well i now have no choice but to contact these as it's been established that i am paying out more than what is coming in. The chrunch point was today when i received a final demand for payment from HSBC regarding my loan, In total i owe £7219.45. I rang them up to arrange a repayment plan and they wanted to go through…
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Hmmmm...not strictly dfw related but...
got another strange call from this number 05601126483 and cant find any info on it. They only rang once before hanging up so didnt get to answer it in time. Just before this call I had just managed to get off a 15 minute phone call from a company trying to give away holiday vouchers and free UK breaks and asking to book me…
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Need Urgent Advice Re Eviction Notice
Hi Have not posted for a while, have been trying to deal with all my huge debt mountain. Really need help, had a suspended possesion order granted agianst me November 2007 (last time of posting), had made arrangement for paying arrears on secured loan with lender which they wanted backed up with the order, happy to accept…
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new mortgage deal needed and on a dmp
Hello everyone, The advice that i have read on this site and forums has been priceless. Keep up the great work! I need some advive regarding obtaining a new mortgae deal whilst being on a dmp thru Payplan. Our current deak with Northern Rock comes to an end in May of this year. I have started to make enquiries as regard to…
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Reclaiming Ppi
just a quick question and apologies if been posted before. can you reclaim PPI (on a lloyds tsb loan) if you are currently on a DMP?
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feeling guilty but had no choice
I received my paperwork the other day from CCCS to start a DMP with them i have not returned anything back to them yet as i am just trying to get all the paperwork they have asked for .The plan is going to be started on 1 st March . Yesterday i had to draw money on one of my credit cards again £100 because i have no money…
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Ok here goes soa
Earnings approx £1,050 per month sometimes slightly sometimes a bit less I'm self employed so it can vary. Outgoings Ins house van etc 55 Diesel 50 Water rates 41 Council Tax 120 Tv Lic 11 AOL 17.99 hoping to change to £10 per month Telephone 20 Gas Elect 100 food 350 Loan cahoot 120 Lloyds 65 credit card repayments 220 if…
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Help with CCCS Debt Management Plan?
Hi folks, I’m hoping for a bit of advice about my debt management plan, which is administered by the CCCS, and is frankly in a bit of a mess. The problems seem to have started when my HSBC loan and overdraft were sold on to Metropolitan Collection Services. My total debt to HSBC (which included a Mastercard as well as the…
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Is this a scam?
Hi Received a strange phone call from someone saying he is from a company called DMP, claiming to be an agency for several creditors who allege I am in debt to them. He spoke in very broken English and when I tried to get a phone number for his company and their address, he said he could not give his number and he mumbled…
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Me, M.E and debt!
Hi all great site learning lots. Im seeking advice on a complex situation , well you all might see it simpler but its complicated to me! In 2003 i had an accident in which i cracked my skull open (nice huh) i was diagnosed as having post concussion syndrome which was later diagnosed as triggering M.E which stopped me from…