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should i just keep paying token offers or go for an IVA
Hi everyone I am £62,000 in debts spread across credit cards and unsecured loans to 7 creditors. I curently have arrangements with most of my creditors to pay £1 per month token payments because my outgoings were more than my incomings, however, from January this will change, i should have @ £250 spare per mth. What i want…
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Dear Santa....
Please can I have: 0% for 24 months A free overdraft A Free book token Free use of cash machines while abroad A 24 month payment holiday You get the message, anybody else want anything? Happy Crimbo. In-Like. :xmastree:
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Need Advice
Ive literally just been imformed by my mum that my dad is in £30-40,000 in debt with credit cards etc, etc (Why she has choosen Christmas eve to tell me this i dont really know, considering this has been going on for ages.....) My mother and father have been split up for around 4 years but still remain on good terms. She…
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Statement from CCCS
Not much i know compared to some MSER'S but i got my statement from CCCS this morning and since my DMP started in June i have managed to pay off over £4000 which i'm very pleased with as it's taken me under the 30k mark which to me is a mile stone and its in the right direction :snow_grin Anyway i just wanted to tell…
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How much have you/will you spend Sat 24th Dec
Hello all, Today I shouldn't spend anything except about a pound on some bread rolls from the co-op. I am totally finished with buying Xmas stuff and I will be busy cleaning the house today which will keep me away from the shops. Have a good day, Sarah
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Last blow-out before clearing debts
I've been in debt for 12 years. It was £24500 at its highest and is now just over £9000. Fortunately I've built up to a much better paid job and I'm clearing the debt much quicker since about 2 years ago. My OH has never even been overdrawn and has looked after me whilst I have been poor. We have managed to save up for a…
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Bit of good news i thought id share
I stumbled across a thread with a PPI template letter to send off to people i have debt with. Ive had a response from one of them cancelling my PPI (£700 or £15 a month) Another has given me a phone number to ring to cancel my ppi or reply with another letter (this time signed which the one i sent wasnt) and theyd cancel…
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O/T Mam needs help
My mam used to live in a council house. She moved out and I lived there with my girlfriend for a further 6 months or so. I moved out and another woman moved in who coincedentally had the same name as my mam. This was over 4 years ago since I lived there and for the last 6 months or so my mam has been receiving letters and…
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Wishing you all a Merry Christmas!!!!
I'm off work today, yippee, but couldnt resist having a peek on here to see what ive missed :0) Ive had a wander round the shops today and am amazed at how prices differ!! GHD's for example, can buy them online, the cheapest I have found was £70 (with a £7.50 discount), but most of the shops & hairdressers are selling them…
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Alliance and Leicester are trying to ruin my xmas!!
Okay got my statment dated 19th so not recieved until 21st that I had gone £3.95 over my over draft (due to there deduction of 5.29 interest) and will incur 2x £25 (1 for interest and 1 for monthy OD fee).. so went and paid it on 30th Nov. Just got my statment this month and because I didn't PAY it the SAME DAY the last…
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Volunteers Needed!
Update 12 January Just to let you know we've got the volunteers we need now! ITV Needs You! Are you in Credit Card debt? Martin Lewis could help you save thousands of pounds by just a quick look in your wallet on Richard Hammond’s Five O’clock Show. Richard Hammond’s Five O’clock Show is a brand new daily show hosted by…
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HOw much have you spent/will you spend today FRIDAY 23/12?
I am going to buy a bacon baguette shortly as it was our do last night :snow_laug Actually, I was driving and have no hangover, but few hours' sleep and need something naughty :snow_grin Spent nowt yesterday as it was on the company - Christmas curry!! Also got a pressie :j In fact, I ended up GAINING cash cos I used a…
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Help on Bankruptcy .....
Where to begin...... After a very long, costly and messy divorce I seem to be left up a creak with no sign of any paddles...... I have ended up with no Assets, Lost my house, retained all the marrital debts and accumulated 30k in solicitor bills, I had been supporting the wife and children for 3 years since seperation,…
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help boy lost at sea
hi every one and merry xmas :xmassign: ive been having big debt problems i have £1500 credit card with halifax i have a £500 credit card with capital one £8000 worth of car finace to pay(origanally 10,000 on a 7995 car!) :eek: DAewoo insurance of £176 a month( i wrote off two cars in my first year) tesco i have just…
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whadda outcome?!
Hey there If anyone read a thread I started http://forums.moneysavingexpert.com/showthread.html?t=126253 you'd know I was a bit worried - but thanks THANKS to MSE and MSErs I can say I took it head on and won! Just look at this letter from Scottish Power: Thank you for your recent letter regarding the above property.…
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Barclaycard debt advise welcome.
Hi all, I'm new to this forum so please be gentle with me. I've got £1600 left of Barclaycard debt which I am paying off at £40 pm by an agreed payment plan (debt was originally over £2800). They have taken my card away and agreed to reduce the interest to 1% Trouble is the interst is applying approx £16 back onto my debt…
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20,000 pound in debt? HELP!!!!!
Hi Everyone, Your advice on this matter would very helpful. I'm over $20K in debt, it just has been building over the years. And I haven't really cared about it. Until now. I love buying things that I don't need and put everything on my credit. I have got about 10 different credit cards. When ever apply for the card I…
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Debt advice request
Firstly Hello to everyone on the forums and its great to read through and see the helpful discussions taking place. I am looking for some advice regarding my own debt situation. I have debts totalling 9k on 1 loan and 1k on 1 credit card. Although bad this was managable until my income dropped significantly recently. The…
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false credit report from MyCallCredit
has anyone else ordered their credit report from MyCallCredit? i got a report from them, realised that compared to an experian report from last year that there were several items missing. these are not items which have become more than 6 years old and they are all existing debts to the tune of nearly £2k i contacted them…
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Getting Debt Written Of??
Does this really happen, Do companies write of debt?? In the Sun newpaper today I came across 2 companies who said they may be able to get your debt written off. How does getting debt written off work exactly?? If I could some of mine written of it would be a real help
