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No Money to pay my debts
Hi, I have a seriouse problem, I had to move because of a seriouse problem with neighbours, however I now cant find a job and I owe 7000 on cards and catalogues with a minimum monthly payment of 600, what can I do, Iv tried to find a job but I can get one I would really appreciate any help im now a month behind with the…
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Don't be so hard on yourself...
I have, in the past two years, cut my debt down from £16k to just under £5k. I have been miserable nearly the whole time. A big chunk of cutting this down was getting rid of my car the was on HP and buying myself a cheeky little fiesta (wich cash I might add) which was a huge help. This year I have decided to not be so…
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Today is my lightbulb moment!
Today is a great day as I've finally sat down and drawn a line. I don't like having debt and like everyone else I want rid of it. It is as simple as that. I feel a little silly posting this, but I'm so pleased that I've finally stopped thinking that over spending will sort itself out in the next month or the month after.…
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Charging Orders...
Has anyone been to court and stopped a CO being put on your Home! CQ
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CCA question
I went to the CAB today to drop off my debt pack and they photocopied my bank statement and everything. I still want to try and get my CCA from my creditors but as my debts are now in the hands of the CAB, should I try and get my CCA from them or should I let the CAB do it? Also, I haven't paid anything on my Provident…
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Friday 22/02/2008 What small dfw thing have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Verging on depression!!!
Hi, i'm late 20's and living with my partner. I've just moved house and doubled the mortgage (borrowing, not payments - gone up from £490pcm to 750pcm) but thats not really the money problems with me. I pay £600pcm in to our joint account to cover the bills no matter what my financial situation is. This way my fiance does…
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Bailiff help and electorial role
Hi everyone hope im in the right forum, if not sorry. I have recently moved and obtained a part buy mortgage. over six years ago i ran up a debt and have had a bailiffs letter to my new address but I was ticked the to be hid box on the electorial role.How have they found me and can they do anything if over so many years…
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Pap/Moozies What have/will you spend Friday 22nd February??
Morning all:hello: Should be a NSD here:rolleyes: Hope you all have a fantastic Friday:)
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I have an opinion that is slightly contraversial... I hope you can change it
It's to do with the credit crunch. I've been thinking that maybe the reason lenders have started to become VERY strict on who they lend money to is partly to do with everyone going and claiming back their bank charges and late payment charges and now, PPI. I hope I'm wrong, and I hope someone can put me straight (I don't…
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Think I might have knackered my credit rating - help!
Ok, I'm new to these forums so please bear with me. At the moment I currently have £3900 personal loan, £2350 with HSBC Credit card and £3350 with Mint credit card. The mint card is hurting me the most so want to get rid of that. I've always been a transfer tart but I've just knackered that up by being rejected for a…
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A first for me - Thank you all!
I only joined recently. I was in a bit of a mess financially. But I found this site and this forum and through reading here I have managed to turn things around. Thanks to the changes I have made I had money left this month, for the first time in a long time. It wasn't much, I admit, but I had lived within my means and it…
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to do or not to do???
hi all just got my letter from cccs and just need to sign the forms and inc all statements so they can set up dmp. just a quick question..... we have changed our mortgage deal which would give us roughly another £100 a month to add to £450 ish cccs have agreed on, (sorry to be vague on figures but don't have exacts to…
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loan or cards help please?
hi I was on the phone to lloyds yesterday and they basically talked me into consolidating all my cards and overdaft into a loan in addition to my other loan. The rate would be 22% and over 5 years by which time I would be debt free as my other loan would be paid of also. i appreciate it is a high interest rate but it would…
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I wanna be debt free.
Not sure if this is the right place to post this? I apologise if it's not. Reading a few of the other posts in here about how much people owe, I don't feel so bad now! But i still owe money to people, so I really would like help to make my monthly payments better. Basically I have a 5 year £8000 loan with Abbey with…
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Is This Bull / Wescott
We have received this letter and according to Wescott they can skip the court and just call around and recover goods. This is what it says UNDER THE TERMS OF THE OFFICE OF FAIR TRADING IN DEBT COLLECTION GUIDANCE WE HAVE A DUTY TO INFORM YOU THAT THE NEXT ACTION WESCOTT WILL TAKE IS TO PASS YOUR CASE TO A DOOR TO DOOR DEBT…
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I think I've wasted my time and money for the last 12 months.
I signed up with the CCCS in Dec 06 when it came clear that I could no longer keep up payments on my credit cards and a loan I had. Before that date I had never missed a single payment to my creditors by robbing peter to pay paul but as soon as I realised that it was all going to come tumbling down on me I faced up and…
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Daily Chat Thread:22/2/08
Morning! I thought I'd start this then go back to bed as I am SHATTERED! DD woke me up at half 2 for a drink, stupidly I asked her to ask DH (as they NEVER wake HIM up in the middle of the night-and now I know why...:rolleyes: ) WW3 ensued at the Bunny household and I couldn't get back to sleep...:mad: (and at 6 am, I was…
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Need your help- letter from DCA on an old debt
Ok many moons ago I had a lloyds account with an overdraft, Ive not used this account for over 6 years. When I moved house October 02 I never got around to telling them I moved. Actually in fact I made an appt to see bank once I had moved, had to phone them and get appt couldn't just drop in. When I went into branch they…
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DCA CCA Request
Hi I am in the process of request CCA's from some of my DH's creditors and we received the following response from one of them today, could anyone please give me some advice as to whether this is true or not?..... "We are not the original creditor and did not provide you with the original credit facility. We purchased your…