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council tax arrears bailiffs
hi sis in law has got bailiffs coming back later this afternoon she owes approx 750 did owe more but has paid 300 off at 50 a week she cant afford this but has been at the expense of other bills they are also adding big charges although i havent the actual amounts til later on today missed payment over christmas they…
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Any HSBC customers or others help??
I claimed back charges in September 2006 and they gave me back around 2/3 of the amount. I took it and signed something (which i think means i cant claim again). Over the past 2 months I have had around £400 worth of charges (maybe a bit more) due to being made redundant last month and having serious problems paying DD and…
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Daily Chat Thread 14th Jan
Morning all... how's everyone doing? Got any plans for today? Nothing exciting for me today, although our band practice last night was great fun even though one of our guitarists wasn't there as he'd hurt his back.. the singer we auditioned was really good and really enthusiastic and we're all getting together again next…
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Welcome Finance
Hi everyone. I have a loan with this company which I pay £124.00 per month over a 3 year period. Has anyone ever got a settlement figure from this compnay are they very approachable? The loan I got with them cleared off many of my little, reduced bills which I would of spent a lifetime paying off, and this one with Welcome…
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Template letter!!!
Hi, Does anyone know of any links to template letters to send to debtors to ask them to freeze the accounts and send them all details of income.... Thanks Mel x
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Which bank to choose?
Hi all!!! Just want your thoughts on something..... I bank with lloyds and have a credit card with them currently at £6K @ 18.9%. But Ive opened an A & L account and would rather bank with them and change when I move to my new job next week but when I went into Lloyds the other week the guy in there said that if i closed…
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finally phoned cccs!!
Hi and good morning everyone Well I finally phoned cccs and got myself a debt remedy. I only have one problem now and that is that we can't start the dmp until the end of the month/early next month as hubby is newly self employed and doesn't yet have a commission statement so we can't prove our income. Also I'm a bit…
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Advice Please!
Hi guys I get paid on the 31st of this month and this is enough to cover my debts. Because its a looooooong month some debts have two payments due out of the same wage - hate January! I have a loan payment of £255 due out on the 27th with Bank of Scotland and have changed the due date on this payment before and think I am…
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'Hugh's Chicken Run' A Moral Dilemna for DFWs?
I have just watched Hugh Fearnley-Whittington's programme about the 'morals' of intensive chicken farming versus the 'Free-Range' chicken. Whilst I agree, wholeheartedly, that 'Free-Range' meat - whether chicken, Pork or whatever - not only tastes better, but it is immensely satisfying to see that the animals in question…
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I really need to know.
Good Morning, I am hoping to apply to be a police officers in the future, and started an IVA June 2007. I read in the criteria that you cannot be a bankrupt, but it did not mention anything about an IVA. Can anyone enlighten me? Many Thanks.
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an ever decreasing circle of debt
Hi all, I am new to the forum although I have been reading the threads on here for a few months. I suppose I have lived in denial for some months now, although my spouse is still to 'smell the coffee'. We are in an ever decreasing problem: we spend more than we earn, but to be honest its not on any luxuries. The debt has…
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need advice on what route to take
hi guys, i am a 22 year old graduate working in the commercial property sector having graduated in june 2007. i have amassed about £15,000 in student loan which i begin paying off in april 08. i have also got a car on finance which i pay £195 per month for and also my first insurance policy with ecar (8 month accelerator)…
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Starting afresh.......
I posted here back in May and got some fantastic advice and starting tackling the debt. I visited here obsessively every day and then found that I was just spending too much time on here and home/work life was suffering too much. I also spent nearly every few minutes thinking about money so I took a step away. BUT, without…
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First national – what should I do?
I have posted about this on a few threads but feel it needs it’s own. I am on a DMP with Payplan and have been since March 2006. I have been paying First National a set amount from the start but have noticed that they are taking my money but my balance isn’t moving at all. I have a default with them and have had since May…
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Unsecured debt, how far can they take it?
I have a huge amount of unsecured debt totalling about £65,000. This has been achieved up by trying to launch a business and supporting it by taking out credit cards and loans etc. The business has been paying the repayments for some time, however now things have sort of dried up and we are not making enough money to cover…
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Decree for £512...Gasgow Sheriff Court
In June 2004 i sold my ex LA cottage flat to my ex partner, at the the begining of March 2006 she forwarded to me a document from Glasgow Sheriff Court in respect of a debt to the Glasgow Housing Association for £512, this was for unpaid common charges for this period. I contacted GHA immediatley and arranged to pay £60…
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Joined for help and moral support!
Hi all, Well its head out of the sand time and need to face up to my debts :eek: Its getting (has got!) critical now, the debt is around £15,000 and the vicious cycle of bank charges and debt are closing in on me, such that, direct debits are being bounced, the charges were over £200 last month, and £300 this month. I'm…
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What will you spend, Monday 14th January?
Hey, apologies if I'm stepping on toes but couldn't find one of these threads today and I really wanted to post as... ....I'm having a NSD!!! Am very pleased; have nothing at all I could possibly spend my money on. xxxx
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Monday 14/1/08 What small dfw thing have you done or will you do 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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I think my bank wants to take my overdraft away £10k
Bank have asked me to "pop in" for a chat about my overdraft, the limit is £10k and is sitting at approx £9300 and I get a £1k salary paid in next week. I also have a credit card with them sitting at roughly £5k with a £11k limit. Challenged the bank as they said, your overdraft has came up for renewal told them that the…