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I need urgent help fast: the bank are closing my account
Hiya, I'm in the most enormous pickle, to put it mildly. I moved to the US having left behind some heinous credit card debts. I was able to keep my UK address and had my mail forwarded, for the first year I sent money back every month to my current account to keep my direct debits paid up. Some time in March one of my wire…
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Crippling Bank Charges
I am self-employed work with my Husband, considerably in debt to the tune of £27000+ and have got a mortgage too! We bank with NatWest and have 2 Advantage Gold accounts each of which are in the red but not upto the allowed limit. It is costing us around £70 per month I think in charges, which we cannot afford. How can I…
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Considering Alternative Debt Strategy.. Your opinions?
Hi, I have posted on here a few times, but not really outlined my situation. Basically I have just turned 23, My debts total approximately £16,000. Here is the breakdown Lloyds TSB Loan - £11,900 Remaining Lloyds TSB Overdraft £1,650 Remaining MBNA Credit Card £2,200 Remaining Capital One Credit Card £700 Smile Overdraft…
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How do i end my IVA
Hi Everyone I am new to this and found the website by watching TV program. I was declared bankrupt in July 2004, this was annuled in Feb 2005 as i managed to get it overturned to an IVA as my house was at risk. My IVA has now been running for 14 months and myself and my wife both have stable full times jobs and would like…
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Can I clear a debt a month??
Hello everyone 2006 is going to be the year that I get myself out of debt!! Correction - 2006 is the year that I need to get myself out of debt!! The main reason for this is that I am 24 years old now. A young age you might think but not considering the fact that I have got Cystic Fibrosis. Time is ticking away for me so I…
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In a bit of debt
Hi I'm ina bit of a pickle and want to know how I go about getting the interest on my credit cards stopped or at least reduced! I have 2 cards Citi (24.91% apr) and monument (24.10% apr) As you can see these cards are charging extortionate APR rates and I'd really like to have them reduced! I will provide any other details…
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Can't pay off student overdrafts!!!
Hi, I am a graduate, now living abroad, but I find that my income now is unable to pay off my overdrafts from my UK graduate account!!! There is a small loan also attached by DD to the account, but I can't afford to send money to pay for it either!!!! So basically what will happen??? I know that credit cards will…
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Newbie - what's my next step?
I'm not sure where to go from here, It's taken me 3 months to pluck up the courage to register. I'm in a lot of debt 4 loans = 36,000 2 of which are not in my name but in my parents but i did have the money for the deposit on my last property and this one. I have C/C but they are only £3000 and are manageable as they are…
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Freezing intrest?
I've got a few credit card bills which im struggling to pay off. I cant swap to 0% intrest or lower APRs as i dont want to apply for more credit just yet. I got refused my last application so im holding on for a bit. Im returning to work full time next week so hopefully in 2006 i can really start hitting the cards. Is it…
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any way out????
Hi, 3 years ago everything was hunky dory, my husband and I both had good jobs earning 60K a year, yeah we were in debt but could afford to pay it, then things went t--ts up and we lost our jobs through ill health. A little bit of pension money helped clear a little of our debts but still left us with 48K joint of credit…
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Have taken big step...
I have decided to bite the bullet and set up a monthly overpayment to my mortgage. It's only £150 right now, but it's a start (my New year's Resolution). :snow_grin As my car loan is 0%, and I can't cut my outgoings any more without giving up my piano lessons as it's the only thing left to axe, and I refuse to do that, I…
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long term debt
hi my partner is about 13 grand in debt. He has not paid back a penny.The bailiffs came and went not recieving anything as he no longer lived at the address the debt was to.Now 8 years later he has no bank account he pays his taxes but is still in debt What we would like to know is 1.is the debt still active? 2.if we were…
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DMP or IVA help wanted
Hi all! Hope you can help. I have been looking at the debt free board since a friend told me about the site and realise I am not the only one in this mess. Due to my stupidity and living beyond my means I have £41300 of unsecured debts. I am not sure what to do now for the best solution to my problems. Due to the company I…
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debts due to gambling, will bankruptancy courts frown
I have run up £62k indebts due to gambling, cannot afford repayments and have been making token payments for several months of £1 due to my outgoins being more than incomings. Live in rented accomodation and have no assets of any reasonable value so see bankruptancy as most appropriate way out, but am conserned that courts…
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Heres what i think........
We should get a collection of us on here, to create a DCA. Then we can buy our own debts for peanuts, the original creditor takes the account off our credit files, and we dont register a new account on our files, we just wipe the debts off (obviously we would have to pay what it costs to buy the debt). Any thoughts?…
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Debt Problems solved - Sort of..
I have some brilliant news for the new year, I have been talking to my dad over the last few weeks about my debts and he agreed to help me by getting a loan for me in his name a few weeks ago and today he gave me a cheque of £2,500 which will clear all my debts and I'll have a little left over to start off with, But it got…
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I can't believe conversation i just had with creditor, why bother repaying???
I cannot believe the conversation i have just had with MBNA helpline representative. All you worriers out there may as well just stop right now. I am £62k in debt to 7 creditors, have recently been using Spectrum Debt Management Services, i say recently, thats because i have binned them off after providing poor service and…
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Advice please
At present i am a tad worried about my finances. My current situation is... Mortgage...£500 p/m...£82,000 outstanding Unsecured Loan...£465.50 p/m...78/84 months outstanding Car finance...£165.57pm...53/60 months outstanding Car Insurance...£50.65 pm... 6 months remaing, i use confused to find cheapest. HP...£32.89pm...4…
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Lloyds TSB - Full and Final
I am just wondering if anyone has had experience with Lloyds and Full+Finals with them. Any comments would be appreciated however this post was just intended to ask which adress would I need to send my full and final to? Just the adress which is on the top of my agreement or do I need to adress it to a specific…
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payplan
hi, has anyone else heard of a company called payplan or is using them to help with their debt? i have been using them for 2 years and need reassurance that they are ok. my life is pretty sad at the moment, i'm £60.000 in debt and struggling, i'm overdrawn and sinking deeper everyday, i'm worried sick that this is never…
