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Very Confused Now!
Hello All Need some more advice please. Basically, 3 weeks ago out of the blue, i received a letter from a debt collection agency from "love film" for £145.00. I had used them last year for a 4 week free rental period and know I cancelled it etc as it was marked on the calender. Anyway, I called them asked where this debt…
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Debt Repayment - is there no hope for me??
Do I really deserve any Help?? I feel too ashamed to turn to anyone in person for help. What do you think I should do?? Since I started working ten years ago credit cards and overdrafts have been part of my life. Its now time to change!! I inheritated approx £65k several years ago and since then I have run up debt and…
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I'm new & I cut my credit card up last night!
Hello! My name is Lisa & I am horrendous with money! Currently I have £300 OD on 1 bank account & about £250 on another. I owe just over £5000 on a loan. Have £1300 on credit card. Also a £500 NEXT bill. TBH my biggest problem is I just buy stuff if we 'need' it, any excuse really. I have no set budget for anything at all.…
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Which Way To Turn????
We are a married couple with two children with 47k of debt on credit cards. God knows what we are going to do we have a good monthly income of 3600 but our outgoings exceed 3200 leaving very little for any food and basic essentials. I have spoken to Debt Free Direct today and they can reduce my monthly c/cards payments…
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New life worried wife!
Hi Some of you may know of my bad financial past for those that don't just think of miserey, denial and debt! Well we have a chance of solving our problems, a fresh start. We currently live in a static caravan on a park site. We run a small business cleaning cars, which may as well be for charity as we certainly dont make…
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Loan / Savings Advice
Hi, Below is my debt in a little detail, its not a lot however I thought I would ask for some advice DEBT Loan 1 (Tesco) - £9200 over 10 years, 9yrs 6mths left £106 p/m - 6.5% (£8900 early payment figure) Loan 2 (Barcleycard) - £6000 over 5 years, 3yrs 8mths left - £129 p/m - 11% APR (£5300 early payment figure) Credit…
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Your starter for 10..
I have a total debt of £11,959 on 2 cards, both currently interest free, costing me £240 per month. I am looking to get on the property ladder shortly and need to have the best credit rating possible, so should I: a) Take out a consolidation loan to clear the cards and be safe in the knowledge that my debt is definately…
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Remember to list all of your debts for DMP's
For anyone who is starting out on a debt management plan, don't do what i did :rolleyes: Amongst my neumerous debts i have an outstanding overdraft with LLoydsTsb for £535 pounds. They keep sending me demand letters for the full amount even though they have been sent info and payments by CCCS. I decided to phone them today…
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Settlement Percentages ???
Any advice out there from people who deal with credit card/loan companies ??? I have got combined debts of £ 15,500,00 and have been offered £ 3,000.00 by a friend to try to agree full & final settlement. I've got no income at present and am about to write to everyone offering a share of this 3K in f&f. I've spoken to debt…
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Question about a post I just saw...
I just read somebody mentioned they transferred their car loan to a credit card. How is this done? My hubby has no credit cards and our car loan is in my name with 2 years to go. Could we just transfer this to a card in his name with lower interest? Apologies if this is not the correct forum....
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Where to start paying off credit cards...
OK. I've had a bit of a blow out over the last few months restoring a car. As a result my credit card balance has grown to save the least! I'm now in a position to start re-paying in earnest but don't know where to start. I owe £4300 spread over 3 credit cards (Virgin 0% balance transfer for 9 months, Barclaycard 2.7% life…
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Statutory Demand!
I am a self employed courier with around £17,000 of personal and business debt. I have taken professional advice which basically suggests bankruptcy at the earliest opportunity. HM Customs And Excise have threatened insolvency proceedings which is worrying but ultimately will save me the bankruptcy court fees of £460. A…
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I Want To Get Out Of Debt!!!
Hi guys ive got £12,500 (7.9%) loan with Egg and have got £500 in savings. Currently i pay off £300 a month over 4yrs (only made 2 paymets so far) I currently earn £1029 with my main job and approx £300 in my second job (Second job makes the payments on loan) out of my main jobs wages i have around £450 in which i can save…
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Negotiating advice
Hi everyone, I recently posted about o2 and now need further advice! I finally managed to find out that I owe £495 from a debt from dec 2002, after speaking to 13 people in the call centre. I put them off saying I wouldnt be able to make a payment til the end of the month, and I have had one missed call from them this…
