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pushy debt collectors
right its a bit of a long one. In 2001 my OH started college and took out a student loan and CC anyway being the fool he is he left college and wracked up a debt with barclays/barclaycard who the debt was with, (we're also already paying £20pcm for a long ago debt of his) anyway cos they do to loan and CC seperatly we're…
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best current account with poor credit history
can anyone please give me advice on the best current account for someone with a poor credit history. i have 1 ccj recoreded against me and i want to change my halifax cashcard account to a current account. the halifax will not touch me any recommendations please?
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Why, why why!?
No matter what, it doesn't matter what I do, as soon as I start to get myself sorted out financially, something else comes up, which ends up costing me money. I never manage to get a substantial amount of savings saved up as I'm always having to pay to fix or replace things in my home. Now i'm not the best saver in the…
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Just a bit of advice really.
Hi peeps. I had a meeting with CCCS a while back and I have to admit I really didnt want to take that route as I value my credit score. The helpful lady on the phone was really kind of the same opinion as me, in that the amount I owe is not big enough really to warrent a debt management plan. Although since speaking to…
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New here and need advice - we are in debt
Hi there - Well don't really know what to say. We are in debt, not hugely I don't think but enough to worry about it. I am 27, partner is 32 and son is 2. Interest only mortgage for 80k, monthly repayments currently at 332.00 on a special offer that will go up shortly with 20 years left on it. An open loan, against the…
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Should I declare Bankruptcy Now?!
( I hope I`m entering this correctly as I`m brand new to this site, & not very computer literate !) My situation is basically this: I owe approx £ 11,600. to 3 different creditors, i.e., 3 different credit card companies & a £ 1000. bank overdraft. I work on call as a Nurse for an agency, & so have no regular income. Two…
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My mother needs help with a £20k Debt
I have just found out that my 62 year old mother has somehow got a £20k debt on credit cards. I only found out from a friend of hers that phoned me as she has been too frightened or ashamed to call me about this. She is on a low income only working part time as a cleaner for 3 different companies. The issue is further…
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£117,000 in debt.
Hi Everyone, I am considering Bankruptcy but would appreciate all other suggestions. After sinking into debt for the last 6 years because of personal problems, I had just begun to realise and deal with what I had done when I met my new partner, who, amazingly, is still with me after a year despite my £117,000 of debt. The…
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New user with 30K debt
Thought I'd start a new thread in case I got lost in the old one. I posted last week saying I needed advice and said I'd come back with facts. £30 K is an underestimate - it's nearer £34K for a start. I was wondering whether to take out a consolodation loan - a flexible one - to cover £25K. But Mr Cow suggested…
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Keep the LTOB or transfer ?
I would like people's opinions on this. Since visiting this board, I've realised to make the debt go away faster I have to a) make larger payments (obvious or what?) and b) reduce the interest rate as far as possible. Anyway after becoming abit of a tart (in the nicest possible way!) I've got most of our credit cards onto…
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HSBC/Payplan trouble... advice please
After a long break trying to get a grip on my dire financial situation, the tide finally seems to be turning. I have entered into a DMP with Payplan, which at the moment seems to be a better option than an IVA or bankruptcy (though I may consider an IVA). While almost all of my creditors have accepted the offers made to…
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DMP: I need to help my mother - how do I account for it??
Hi everyone I've previously posted on here before and had a great deal of help - Thank you!! I do have another question. I have a debt management plan but I wanted to know if anyone knows how I would account for helping my mother in my budget. My mother lives in South Africa and really needs about £150 a month from me…
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Hello Martin and everyone:This is a big one!
:eek: Hi Everyone, I'm new to this site. My dilemma is this: I'm 36 years old with very few assets. I earn £23,400 per year as a salary. I have accumulated credit card and unsecured loan debt of: £72,000. I am only managing to service this by doing continuous 'balance transfers.' Right now, my credit history is good. But…
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For Severn Trent water customers
For those of you who don't already know about it, Severn Trent run a scheme called the Severn Trent Trust Fund. Basically, they offer grants to Severn Trent Water Customers who are in a mess financially AND owe money for their water bills. There is no guarantee that your application will be accepted, but if you don't ask…
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Debt Dilemma
Can somebody advise me please?? I have almost £40000 of credit card debt along with mortgage, secured loan etc. My dilemma is, do I remortgage for the next 20 years (I'm 47 now) to bring down the monthly payments.... or do I throw my hands up and contact the credit card companies and tell them I can't pay?? I have done a…
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How much have you spent today? 12/07
Hello all. A bit late in the day I suppose, but I have 10 mins to kill at work so thought I would post, hope you dont mind :0) Its my last day at my current job tomorrow, I start my new one on Thursday (no rest for the wicked!!), also I have given up my second job - I have been doing this for 2 years, so it feels a little…
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Will card stop/reduce interest?
I have a number of credit cards, and a few years ago came to an agreement with them to pay less each month. All but one of the cards reduced or stopped the interest due to my financial dificulties. The card has a balance of £1314.96 and the interest each month is about £28.82. I am paying £30 pm, so it will take years to…
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Mobile Phone Debt
Hi All, Looking for a little help for one of my friends who has got herself into a bit of a pickle with mobile phone debt. She had a contract with O2 and ran up a big bill but couldn't afford to pay it as she is unemployed and living on benefits of £40.00 every second week. The debt has since been passed over to a debt…
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Court papers
Recently I emailed this site regarding pending court papers issued on behalf of First National. Thanks every one for the advice. Well, my husband and I now have court papers which we have forwarded onto Payplan to complete their bit. What I wanted to ask you guys is my husband and I have young children so one of us was…
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In debt, unemployed and need help
Hi all, Ive been struggling with debts for a few years now and its time to get some solid advice. Ive made up a little run down of debts, expenses, income etc to give people a little background info. Debts: Halifax One total £3729.81 min payment £74.57 Interest bal transfer 12.94% £19.43pm Purchases 12.94% £2.16pm Cheques…
