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HELP - Problem!!!
I'm a member of management at my company and I've got a horrible, horrible feeling that the company is on the rocks...my problem is that if I lose my job I'm in trouble. I have bought a house only two months ago (100% mortgage £120,000 with a 3 year redemption penalty period) and I also have a personal loan of £19,000 (due…
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CCCS, can they really help?
Hi Everyone, Basically in Jan this year I split up with my partner and decided to move out of our home which we have a mortgage on. I am still paying 50% of the mortgage and the house is up for sale. I am currently renting at a friends house whilst my house sells! (which incedently is taking forever). The relationship left…
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Freedom Debt Solutions
Hi all. Anyone had any dealings with these folk?
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Taken to court for non-payment - advise needed
To cut a long story short, I separated from my wife a couple of years ago, and took all the debt with me (approx £65k). After struggling for months, I managed to get a Trust Deed arranged in March 2004 - this incorporated all my debt. However, at the time, I had an ongoing case to try to get access to see my kids , so I…
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Loan Needed 17k
Hi all My ex has just dropped the bombshell on me that she is 17k in debt because of the last year or so (long story, probably my fault). 10k on a nationwide loan over 7 years at 6.7% and 7k over 4 years with some cowboy outfit called 'Household bank' at 28.7%!!!!!. She has no idea about money and didn't know what she was…
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What is the difference between happiness and misery?
Annual income twenty pounds, annual expenditure nineteen nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery. - Charles Dickens There have been a number of posts here recently querying how people can possibly get in to so much debt. I have suggested on…
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Help....My life sucks too!
In 2000 I got 2 credit cards in my name and got an additional card for another person. I only did it because they couldn't get credit. Stupid me. The person left me with 12,000 in debt, of which ~ £50 was mine!. At the time I was a student heading for an extremely lucrative career. Subsequently my life fell apart and I…
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LloydsTSB bounced direct debit charges
My partner has debt problems which he is trying to sort out. This question is curiousity value only. He used to bank with LloysTSB. When there weren't sufficient funds in the account to pay a direct debit taken by a credit card, it was obviously bounced, but LTSB at the end of the month would charge this amount as a…
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It's all gone!!!!!
My final "bad debt" should have gone from my Experian account on the 6th of July. I applied online for our credit report on the 10th of July and without any fuss ALL our bad credit has gone from our reports. It's been a loooong hard slog to pay everyone off which was done about 8 months ago and to be finally free of bad…
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The long road is just begining for me.
When I was 21 I left home and cancelled all my repayments on my debts, I got a CCJ but one creditor never traced me. Then in 2003, my bank offered me a Credit Card with a £3000 limit, which I quickly started using even though it was only for emergencies! In February 2004 I took a £5000 loan to purchase a motorbike to cut…
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25+k in debt and need advice please...
Hi I am 30 years old, 25+k in debt and would appreciate some advice. My debt is through University, my own spending and bailing out a seasonal business I have abroad. My parents helped me a few years back but since I have had to borrow again and as a result I now have a bad credit rating and letters at the door. I owe the…
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till debt do us part
Dear Moneysavers, My first post here, but a long time reader, allow me to introduce myself as a young female full-time worker on a pretty secure graduate salary until May 2007 at least. I moved to London for my current job in April and as a consequence of moving geographically and emotionally closer to my OH (in…
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RMA - Collection Agency?
Dear All, Good afternoon. I have only just joined this Forum and having read some of the earliers posts am already on a DMP through CCCS (one month so far) and am not really looking for budgeting advice at the moment hence no financial details. The purpose of my posting is that most of my creditors have agreed to the…
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How it all went wrong.
This article http://money.guardian.co.uk/creditanddebt/creditcards/story/0,1456,1529921,00.html tells the story of one person who escaped debt only by suicide. It goes on to analyse the behaviour of the banks and credit card companies, and ends by interviewing the man responsible. Compulsive reading!
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Credit Card Won't Accept Me
I am in a lot of debt - although my credit rating is 995 (due to experimen) but I am trying to transfer my cards to 0% but I keep getting declined so I don't know what to do - I am paying the cards of but it is taking all my salary can anyone help please, please
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Ms_London Update
Hi all. I started my new job on Thursday - its going well, I feel valued (the £4K payrise definately helps!!) - and I have since given up my part time job. After having done two jobs for the past 2 years it definately feels strange, but I love it!!!! This may/may not set my DFD back by a month - it depends on whether I…
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Direct Debit or Save
My debts at last are getting smaller but I am now in a dilemma. I have direct debits set-up to pay things like the council tax, tv licence, etc. My question is should I save up the money and pay these off in full or carry on paying these off each month via direct debit. I can see that paying it each month is usually…
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Equita arrangement refusal
Hi, After seeing a few useful things on here I've decided to get on with this. I've written to Equita who I have a £700 debt with and paid £150 as a gesture of goodwill and asked them to agree an arrangement of either a settlement figure or a monthly installment. The answer twice has been a flat no. They've said cough up…
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I Need Advice!!
I am new to this site although have been reading the posts for a few days now, and am feeling a slight of sense of relief knowing that there are a lot of other people like me who are feeling the same. I have got a £21,000 of debt on one loan and one credit card. I work full time but don't earn more than £1k a month and I…
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bankruptcy can they take partners things
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