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Go easy on me I'm new.....but also help me!
Well I'm new and feel a bit silly putting my story up here after seeing the figures you guys are talking about but I would appreciate your help...... This is my tale..... I have managed to get myself into approximately £5,000 worth of debt. Don't give me sympathy as most of that (probably 80-90%) has been spent on nights…
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Need a bit of advice re repaying a loan.
I currently have a loan with cahoot which i took out about 3 yrs ago as a 5 yr loan of about 6k to consolidate debts from uni. Its a flexible loan that i have dipped into again and again and have never really paid any off. It now stands at just under £5800. The interest rate has risen and risen and is now 15+% minimum…
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Pap/Moozies What have/will you spend Wednesday 20th February??
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a super Wednesday:)
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Help !
I've had a letter from wescot saying I owe barclays money (about 3600) but I dont actually know what its for. Theyve also sent me another letter saying theyre prepared to accept 1500.(which might as well be a million as i dont have it) have had a look on the website for national debtline and got the letter that asks for…
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Littlewoods IBC?
Hello, its me again. to cut a long story short I owe Littlewoods catalogue £2464.38 and have been paying their finance company 65.00 each month towards the debt, setting this up every three months(cos thats how they do it) and paying a fee each time. They have now contacted me and said their policy to debt has changed and…
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Advice please - about to default on Loan and OD
Hi, I have been reading through this forum solidly for the past few weeks every time I get a spare few mins in work (I'm at page 743 just now, lol) When I sold my house I paid of all CC Debts, etc, and put deposit for our new house I had a few grand left to cover payments for a loan that I had, (I didn't have enough profit…
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Business credit v's personal credit
Hi - I have been lurking for some time and taking various pieces of advice from other threads to sort out my own problems - now have payment plans in place with most of my creditors and things are at last manageable. However have hit a problem from Hubbys perspective today and wondered if anyone has any experience of can…
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quick, urgent CCA advice!!
I have sent twice by recorded delivery a request for my CCA to 1st Credit Ltd (acting on behalf of Lloyds TSB) and each time they have refused to sign and accept the envelope. I have also sent my request 1st class but they are claiming not to have received it. A real snot of a women called my home today whilst hubby was…
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The Long & bumpy road - Natlou's 'I will be debt free diary'
Hi Everyone, I have not been a member for long, but I really enjoy reading everyones debt free diaries and have decided to start an online one myself. Since I started on this path to 'debtfreeness' (is that a word?!) little over a month ago, I have been keeping a pocket diary, but since I am the only one who reads it, I…
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On DMP, getting married, new name and credit rating!
Hi, My other half is about to start a DMP with CCCS under her current name. We have 1 joint current account and 1 joint savings account We are getting married later this year and she will at that point take my surname. Her credit rating will be ruined as a result of the DMP but that is under her old name. If we apply for a…
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Help : Debt Collection Agencies
Hi All Hope you can help Has anyone had the experience of being chased by two companies for the same debt. What is the legal position regarding ownership of the debt? If you make a settlement with one company in theory you could be chased for the same debt even it was settled. I am at present paying two agencies and…
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whats the next step for me please
Hi received this letter this mornin and i think its a ccj its from northampton county court and the adress is county court bulk centre 4th floor st katherines house northampton nn1 2lh the particulars of the claim are The claimant claims money payable by the defendant to the claimant for the price of goods supplied full…
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Where should I start???
This is just so hard. I feel sick with worry. We (me and my hubby) are drowning in debt. We have a mortgage and three children. We both work. I work part time. It started as our future. We bought a house...needed work doing to it etc.. We started borrowing a bit here and there. Then a bit more and more and more. Now we are…
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Looks like the Big B (bankruptcy) for me
Hi everyone Had my CCCS counselling session this morning, and it's looking like bankruptcy is the best option for me. We had a very long and detailed chat, and I was stunned at the figures which emerged. I'm over 8k in debt, and with my monthly budget (after absolute necessities) there's simply nothing left over for debts.…
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Summary of challenges as sticky?
HI, I am new in this forum. I went to see CAB last Friday and they advised me to go BR. After being in the BR forum and pondering the situation I decided not to give up yet and to really dig deep into my SOA and then start managing the situation myself with the help of the fantastic template letters from national debt line…
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Debt Collection Agencies
Hi Everyone - Has anyone had the experience of being chased by two companies for the same debt?. What is the legal position regarding ownership of the debt? If you make a settlement with one company in theory you could be chased for the same debt even it was settled. I am paying two agencies for the same debt. Have advised…
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How to get in debt, in simple steps (Was I this dumb?)
I have recently joined this forum… I have been writing SOA’s and keeping a spending diary, anyway here is my story in short stages. 1. I can go on holiday, and only pay £50 per month for the next year, get me my shorts and sun cream! 2. I will use this credit card for Christmas shopping, its really good because I can pay…
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New Bank a/c & Debt
I need to change my bank account and would prefer to use one of the High Street Bank due to problems with internet banking but I do not have a brilliant credit rating anyone know which bank is more lenient on opening accounts for people in debt?:confused:
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Pap/Moozies What have/will you spend Tuesday 19th February??
Good Morning:D Having a lazy day today, will take the children to visit my 94 yr old Nan later this afternoon, might pop into Asda for a few bits on the way back as have some polo shirts to change size of & need a few bits, it will have to be only a few bits as only have £8 of my food budget left until Thursday:eek: Keep…
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I've done it!!
It took 2 years, 1 month and 18 days but today, ladies and gentlemen, I AM DEBT FREE!! It's been hard work and I've been lucky to have a job that had plenty of overtime available (working an average of 72 hours a week/7 days a week for two years, no holidays etc etc) but I'm there! I'd also like to thank Martin for…