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MBNA - Pls Tell Me SOMEONE Has Been Able To Make Arrangements With Them!
Ive been reading som eoldish thread on the boards regards to people who have tried to make arrangements with MBNA and Im really scared at what Im reading. Threats of ballifs (SP) nastry people on the phone all the time, has anyone ever been able to make an arrangement with them either on their own or via the cccs? What…
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HSBC Credit Department - Advice Please
Hi My debt is - First Direct Personal Loan £10000 with 3 yrs to go @ £320 pm New debt to add which is - HSBC Business Loan £24000 following the collapse of my business. I currently pay £544 per month and have 3 years left to pay the c£19000 left but the new amount above is with my overdraft. I have advised the bank about…
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Is interest guaranteed to be frozen on a dmp?
Hi everyone, I've been getting quite stressed out trying to sort out a d-i-y DMP with advice from the nationaldebtline website, and am wondering whether to concede defeat and go with payplan or cccs and work out a formal DMP. Thing is I'm quite a stubborn person and have been reading encouraging reports from other…
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Serious debt advice needed.
Hi, This is my first post here, so please try not to confuse me with complicated terms. I've got a debt problem, which never was a major issue to me, but today is the day when I begin to clear up my life! At home, it's Me, my Wife, a 1 year old daughter, and a second due in June (the main reason for this new year's…
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Help!
Phoned CCCS on Tuesday eve, have an appointment with a counsellor in a couple of weeks but starting to panic. Husband and i owe about £66K (cards and loans) don't know if i've done the right thing phoning cccs. Meeting min repayments every month but can't afford to buy food, fuel etc without credit. credit limits running…
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Bankruptcy/CCJ
Is it true that Bankruptcy lasts and only stays on file now for 18 months? where as CCJ'S defualts last for 6 years? SO really the best thing to do if you are backed againstawall is to declare yourself bankrupt stick it out for 18 months then hope for the best and start again rather than waiting the long haul of 6ears for…
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whats a default
i was looking at a loan application and it said have you had any defaults in teh last year? then it said have you missed/ been late with any payments in the last year? whats the difference?
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Best way to get free?
Hi all, been reading the site for ages and thought id give the forums ago. need your advice/opinion on this situation: (all figures are approximate) My brother has a loan of £7200 at 9% APR (northern rock). He also has a 'Managed loan' (whatever that means!) with HSBC owing £2100 at around 13% APR. He Pays £155 and £177…
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How much have you spent today? Thurs 19/01
Just been shopping with mum, travelcard cost £4.30 :mad: grrr... Spent £8.98 in H&M on a skirt and top for DD (skirt was in sale for £2.99), spent £3.05 on a new cup for DD, and £1.94 for a reduced Xmas gift. Got DS1 some p.e shoes for £1.99, slippers for DS2 for £4.99 :eek: , a cheese grater for £2.99 and a Tweenies toy…
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Pre Pay Visa Card?
Can someone point in the the direction of a company that offers these please? I need one for work. Thanks
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25K in red and need some HELP
I really need some advice as we are slowly sinking on how to get out of this mess. My current Salary is 23K which might seem alright to some but when you have to support a wife an two babies it doesn't tend to go that far!! My debts which are pretty impressive £11,000 loan with A&L Credit cards £4,500 with Virgin 15% int I…
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Mortgage or savings? What should we do?
Ok I am a newbie so be gentle please. We are in a position where our savings almost match our outstanding mortgage debt but are almost afraid to pay off the mortgage for fear of having no rainy day money and making use of our tax free alowances. Anybody give us an idea of what we should or should not be looking at doing…
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Fraud flag on credit file
Hi there folks, Apologies if this is not the appropriate place to post this queries, but I thought that debt experts may also be credit experts so perhaps you can help with my query. A friend of mine (lets call her Bertha) recently applied for a mortgage, we both are both agency workers and work through the same umbrella…
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Credit card help please!!
Hi, My partner and I both applied for LLoyds tsb 0% card (as recommended on MSE) and didn't realise at the time we had 6 weeks to transfer balances to get the 0% deal. I since moved all my credit card debts onto one card at 0%, and thought I would cancel the LLoyds card as I wasn't going to use it. I just rang them up, and…
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Impossible Situation
Hi all Have been reading this site for a while now, and decided it's finally time to post for some advice. My debt problems started when I was 18, through the likes of a bank loan, a laptop on hire purchase and an overdraft. This got worse when I was at uni, with a dodgy student account from Barclays Bank (who I hate), a…
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New year new me
I have sat at my computer all morning working out my debts and incomings and outgoings and also getting the courage to write this down and get it out in the open. My light bulb moment for my situation was Boxing Day and that helped as i finally told my parents about my debt and that was a big relief The light bulb moment…
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All My Debts...Pls Be Gentle With Me
Ok her goes, I posted here a few days ago and since then Ive collated my balances, contacted the natational debt helpline and this morning Ive spoken to the CCCS and have an appointment tomorrow morning with them. Im ideal solution to all this is for the cccs to arrange a payplan for my with all my creditors and arrange…
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debt - happy endings?
has anyone got an inspiring story of how they have paid off all their debts & how life has changed for them since? I have read some of ms_londons posts & what she has done is fantastic, I wondered if anyone else has done the same. I am having a miserable day & could do with some hope! Hope it will help others too to see…
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ccj and bankruptcy in scotland
Hi i'm a Pursuer for a debt of amonting to £3000 I have obtained 2 ccj's against the defender in the sheriff court in scotland of approx £1500 each. Since then i have sent the sheriff office to serve the charge of payment. but despite this no payment. the defender works in a pub (owned by her father) but is claiming…
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Moving abroad but still have some debts to pay
Morning all. this is my first post and hopefully it's a productive one. Over the last 18 months or so I've slashed my debts from a massive £28k down to something approaching half that figure; thanks mostly to this website and a lot of nagging from a close relative, despite earning just £17900! Anyway, I'm moving to…
