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Using "pension" to pay off debts
We've just had a thought. Obviously we will be carrying on living within our means, now that we've seen the error of our ways.... But: my H has some ISAs (share based, not a tracker fund) which he had earmarked to use as income in his retirement in lieu of a pension fund (he's self employed). They have lost £2k of the book…
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Credit cards should be banned.
I was too busy looking after my business and neglected to pay Halifax Card over December, my phone was red hot!! They added charges and late this and naughty boy that, I paid up when I had the opportunity and the phone stopped ringing. Credit cards should be banned.
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Query on Credit file - again!
Hi, Just checked my credit file and have noticed that I have 25 linked addresses. Some of these relate back to 1997 when I was still living at home with my parents. The credit accounts that I opened during this time are now all closed and are no longer on my credit report - so should the address be? ANd will this have an…
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Credit unions
Hi, Can anyone tell me what a credit union is? There's one in my town which I've been past a few times and I noticed some people on here talking about them. Thanks
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What did you spend (21/01/06)?
I hope no-one minds me jumping in and starting this one today! I haven't spent a penny again today, something like the third day in a row. However, I may pop out tonight with a friend for a couple of beers, so that'll cost a bit (hopefully less than ten pounds, I'm on a budget). On the otherside, I got my cheque from for a…
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Help for a nervous newbie
Hi everyone, hope someone can help a nervous newbie. I shouldn't be in the postition I am but I AM IN DEBT - there I've said it!! We should be well off, but because of my out of control spending & my lack of financial savvy we are quite heavily in debt & I need to get it sorted. My husband does know about (most) of it,…
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Harassment - Always complain it is worthwhile!!
Now i come across lots of cases of people who are having to deal with harassment from creditors. Obviously some people learn to deal with it when offering reduced payments to creditors by just hanging up the phone and no longer allowing it to get on top of them. Though in the early stages when you find yourself struggling,…
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How much for food
when giving information to a debt company they want to know my outgoings can anyone tell me how much we are allowed to put down for food/household cleaners etc. thanks in anticipation P.S should have mentioned that was for 2 adults, 2 children.
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Help With Transferring To New Bank Acc Due To DMP?
Can someone help me with a few things please. Ive receieved my paperwork from Natwest this morning for my new step account, Ive filled in the forms and they are already in the post box waiting for postie at midday :j My dmp is due to start on the 1st March so I need to act quickly getting my bank account etc sorted.…
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Need Some Advice On Bad Debt...
Hi-ho all So you'll see that I'm new around here - I'm one of those apathetic consumers who needed a book shaped kick in the pants to get himself sorted out - thanks to my wife's inspired choice of Xmas pressie and Martin's advice, I'm on my way. But this isn't about me, it's about my parents. They just got landed with a…
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newman dca
Hi all Again have herad from those wonderfull people at newman dca now on my third letter and as normal its as nice as always!this is the general text of this one! "there are two types of customer those who cant pay and those who wont YOU are the later"Makes you feel real good! they have the date of my bankruptcy(13/2) and…
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Greg Pennington switch to Payplan
Has anybody switched from fee paying debts paying creg pen to free paying payplan? How easy was it? We are thinking of switching as we would be better off paying the debts rather than creg pens fee's
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This site is scary...
I am a debt free wanna-bee too, I have made 'some' first few steps and have now found this site and find it very daunting to list my outgoings and in-comings. I really want to sort myself out but it is not easy - I have the incentive to do it but with approx £35,000 of debt I just dont know where to start... can anyone…
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am I reading this right/ knock off old credit
:confused: Hi everyone , I have been looking at older threads and its been mentioned a few times that if you have an old account ie :been cleared and no longer used that I should apply to have it removed from my credit file. I have loads of old, no longer active things on my file and just thought it would look good that I…
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Was Excited - Now Deflatted
Hi hope you can give me some advice on the following. A couple of weeks ago I was over the moon as my default had gone off my credit report and I was accepted for a 0% credit card with Mint. Well since then the Mint card has gone through but the limit is only £400. I was so looking forward to moving a large chunk of my…
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RMA Debt Collection Agency
Has anyone had dealings with this bunch of morons. I know they have a job to do and i expect them to call mebut the rudeness of this bunch are unbelievable. First they call me at work yesterday and i return their call speak to some guy who sounded abou 20 ( sorry no offence to youngsters out there) who tells me he has a…
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What Do You Tell Your Friends?
Hi everyone, The only people who know about my debt is the ever-supportive people on this forum. I am way too ashamed to tell any of my friends or family; it is just unthinkable. :o However, I occasionally get asked about when I intend to buy a property (I am 33 and I rent) and I tend to just say that I am trying to save…
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Settlement
Hi I've got debts of about £25k excluding about £4k left on HP for my car... I'm with payplan. I've got a relative who has come into a bit of money - and I suspect he may soon share some. Now... out of interest... I'm with PayPlan and making my payments of less than £500 per month at the moment - what is a fair amount to…
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Adding administration charges
I fell behind with repayments to a catalogue company last year. They kept adding £15 administration charges. Then in October I made an agreement with them to pay £20 a month. At that time I owed £160. I just couldn't afford to make the payment in December and although I wrote and told them they sent me a letter saying they…
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Here goes! Please attack it!
posted my first thread yesterday still not sure if i have got the hang of it yet! here is my promised soa. my appointment with cccs is just under two weeks away. filled in form for the Nat West Step account so that's first step unless they dont accept us. income hubby (alters a little with overtime) 1,600.00 me 1,180.00…
