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CCCS and Natwest
Just wanted to know if anyone had experiences of CCCS and Natwest? I am considering joining onto my husbands debt management plan however my creditors mainly comprise of Natwest in the form of a loan, credit card and overdraft. I have already changed over bank accounts to a basic account but I am worried about how nasty…
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Change of Job While in IVA
I've posted this on another site that I read, But wondered if any of you had any views.. --- Hiya All... I've been in my IVA for three months now and all seems to be going fine, Nice to have a small amount of money left the day before pay day! When I started my IVA I was in a job that paid £8.25 an hour, But now I have a…
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Are children responsible for their parents debts???
Dear All, Hope everyone is ok! I have a query I am married and we have 2 sets of parents like most!. One set is responsible with money, the other not so much. We know they have debts should anything happen to them (god forbid!) do these debts fall on our shoulders to pay as a rule, or are their different laws for different…
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Mckenzie Hall/ BCW?
Hi, A few months ago I posted a thread about husband being persued by Mckenzie Hall. We sent the letter people suggested stating the statute barred stuff and we have heard nothing until today. He got a letter from a company called BCW group and we are not sure if they are linked to MH or MH is a subsidary group?? Has…
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HSBC Managed Loan
In Nov 2003 I fell into a deep depression. As I had no income HSBC allowed me to build up a large overdraft of £3210. I contacted the CCCS for advice as charges were being made to my account. When I approached HSBC they said I had to take out a LOW INTEREST MANAGED LOAN otherwise my account would be closed and handed to a…
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Advice/ideas for help with debt!
Hi folks I'd really appreciate your help! My Hubby and I are in debt. Now. This isn't SERIOUS debt but it's debt all the same and we don't like it and its making us unhappy. I'd say its the day to day budgeting (or NOT as the case may be!) that has kicked it all off but I went to the cash machine today drew out a tenner…
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Already made savings thanks to this board.
After posting my first SOA on here a few days ago, we are going with the replies and advice, we have already made several savings. Home/contents insurance from £55 to £25 per month!!! Childcare costs down from £214 to £144 per month!!! Sky from £18 to £0 per month (cancelled it as have freeview TV)!!! Puppy food from £40…
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So Much Debt Cant Get Out
hI PEOPLE I have seen the adverts for debt free direct and it sounds ok, has anyone tried this out before i do. Im scared that it would mean id have to declare myself bankrubt or something. I have a loan of £16k and cc of £7k Just seems to be getting worse Help
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SOA-Help needed!!
Hello, This is my first post on MSE but I have been reading up on all the articles since i was first introduced to the site in October 2006. I had my lightbulb moment November 2006 and have kept meaning to post an SOA on here cos you all seem to be very knowledgeable with great advice and it also helps to know that am not…
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Shakespeares Solicitors
Part of our (huge) debt is to the RBOS and we have been paying them monthly on a DMP through the CCCS. We both had letters yesterday from a firm called Shakespeares about the debt saying that we have not responded to previous communications about this which is silly as we always respond and pass on to CCCS. They are asking…
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Is your DFW one sided?
Since the lightbulb moment last year I have to admit that the debtfree struggle is definatly one sided. As a way of taking charge I consolidated all our credit cards onto one credit card in my name - effectively making my partner debt free. Since then it has been me that has made all the payments, keeping track of what we…
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bank account fruad
HI i know this is prob not the correct area to post in but its the only one i have used. Checked my bank online this morning to find 3 unathuorised withdrawls form a company i have never heard of , they have taken just enough to clear me out !!!! Got straight onto bank, but they cant do anything right now as the…
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result!
just went to buy some crisps from the work vending machine (haha - what was I just saying about DFW making you fat?!??) and I put in 5p and £1.10 came out! great!
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Barclays automatically refunded O/D charge
I went over my overdraft this month :eek: Barclays charged me £30 and in the letter they sent me about it they also said they were going to refund it straight back as I havent gone over my limit in the last 12 months. Someone must of been having a good day! :)
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bank account fruad
HI i know this ids prob not the correct area to post in but its the only one i have used. Checked my bank online this morning to find 3 unathuorised withdrawls form a company i have never heard of , they have taken just enough to clear me out !!!! Got straight onto bank, but they cant do anything right now as the…
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Credit card worries
Hi, I'm trying to get myself out of debt and my egg card debt is really depressing me. Basically, since July 2006 I've been hard at work paying back my £2000 overdraft - it's now clear and I am determined not to go into the red again. I have a full time job and a part time job. I owe Capital One approx £1500 (paying the…
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what is the website address
Hi all I know I have seen it a dozen times before but what is the website address for the snowball calculator please. Thanks. I would like to work out a few of my cards and how long it will take it clear them.. ( gulp ). Cheers
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Mystery Shoppers Needed In Notts
I live on notts /derby border and i get quite a few jobs from grass roots mystery shopping..but i had a call fromthem the other day asking if i could do one in sutton in ashfield as they were desperate!!..its a bit out of my range as you only get a £10 so i said no...but they must need people there....just an idea for…
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Reminder - Spendaholics Tonight BBC3 8 o'c
Just thought I'd remind u all:rolleyes:
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My first time and I am very nervous!
My name's Lisa and I am a debtaholic!!! I am 27 years old and the only thing that I own that is worth anything is a huge debt! :cry: I love shopping and that is where I went wrong. As soon as I spent on my 1st credit card I was hooked and couldn't stop. Then when I filled my cards I got a low interest loan and paid them…