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Aiming to clear debt in 3 months
First off, I know I don't have the same problems as many people on here, as my debt isn't that much, but I still want to clear it within 3 months and get back into the black, and I'm just after some advice. I'm 20, still living at home and am lucky enough to not pay any keep (just yet). In my first couple of years of…
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Please help my brother - £85 000 debt
Hi, I haven’t posted before just been a lurker, but am in need of some serious advice regarding my brother’s situation and hope that someone would be so kind as to point him in the right direction. His situation is - About 2 years ago his business partner and he fell out and he bought his partner out. It was over a job…
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CCJ error
Last year Asset Link obtained a CCJ against my husband and I. We have since realised that there were errors in the calculation of the amount owed. Can we do anything about this through the courts? Can we appeal against the amount owed this late, not the CCJ, just the total amount owed?
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Intrest Carged on a Debt?
Hi people. Firstly, I would just like to say what a fantastic forum this is for help and info, i only found it by chance and on browsing through the posts its great to see so many people helping each other through tough times. The reason i post is this: I have quite alot of debt which is all part of my divorce a few years…
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Dunno what to do now.
Im a student having debt problems that are really getting me down. Here is my situation : Nationwide Flexaccount - £1550 overdraft (will be at this limit before next pay. Capital One credit card - £600 Income = £500 a month from part time job and £900 every 3 months from student loan. My rent, food and bills (including a…
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Light at the end of the Tunnel
Well I did it. I had an hour and a half talk with Payplan and went through everything with them. Despite my initial concerns and apprehensions they couldn't have been nicer and more helpful. Luke dealt with my problem in a very proffesional way and we even had a bit of a laugh as well. Bottom line £41,384.83 in debt. Heres…
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Bank making it as hard as possible to get back in the black
Dunno if this should be on here, or on the "Vent" board, but here goes: As a result of me going £280 over my overdraft limit, my bank (who shall remain nameless) cancelled all my direct debits and standing orders and gave me until today to get back within my limit. Today I paid the last £100 into my account, which should…
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Nearly paid of our debts
Only 10 more months to pay off our debts with Payplan, they have been great at helping me sort things out. Does anyone know if our credit rating will ever get better after it is paid off. My husband has just retired and I am due to retire soon. Don't want to buy on credit again as I will have lump sum after retirement, and…
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Brief question about IVA
When you enter an IVA at an arranged repayment, does this repayment remain the same over the term of the IVA? or is your income/outgoing expenditure re-assesed every so often and the re-payment figure re-calculated? For example: As and when your wage goes up, or outgoings reduce, for example if paying child maintenance at…
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Snowballing
hi situation is that we are gonna have an extra grand a month to repay our debts in about 3 months time.. this is on top of the 200 min payments that we have with our creditors... all our debts are on arrangement what we want to know is do we throw the money into the debts to pay off or do we save the money and when we…
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how long for a clear credit rating
hi sorry if this is else were... me and my partner are hopefully gonna have the opurtunity to clear our debts at the end of the year... what i need to know is how long it takes for your credit file to become good enough for a decent mortgage? we have defaults on our files but no ccj's. any help appreciated :rolleyes:
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A Big Thank You
Just a quick one to thank you all for your money saving ideas, we have already started to use them. Had my first call with Payplan and have a BIG chat coming up on Thursday, not looking forward to it but had to be done. Once agin THANKS :j
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CCCS v PAYPLAN
Hi all. Just trying to sort out my debts at the moment and am wondering which compant to go with for a DMP. Anyone have a preference and why ? Snippy
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Thanks to my Wife....
I dont know whether or not this is the right place to post this but... My wife recently has begun using this website and this forum all the time. Since we've been married we have been in a great deal of debt and not really doing anything about it. It's hindered us in buying a house and we'd kind of reached a point where we…
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Debt Health Check from the FSA
[This isn't the place to put this (as everyone here should already know they've got a debt problem to manage), but couldn't find anywhere else to post it. Please move it to wherever you think appropriate] A new debt health tool jointly developed by the FSA, BBC and Experian: http://www.fsa.gov.uk/consumer/debt_test/
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How much have you spent today? Fri 13th Jan
I've just spent £2.30 on a sandwich (completely overslept this morning and couldn't quite co-ordinate ironing work clothes, making breakfast, drying hair and making lunch simultaneously!) My sister is coming to stay for the weekend, so will probably end up spending most of next week's budget in the next couple of days!
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defaults
im busy paying off 5 separate debts which are at debt agencies, i pay monthly standing orders, however i didnt start paying these back regulary until almost a year ago so they have defaults... i should have paid these full amounts by the summer and was just wondering...will these defaults be removed once the debts have…
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Nasty Natwest
I have sent a list of incomings and outgoings to all people owed money to. Goldfish no problem, quite happy to accept lower payments for six months, no interest no charges. Natwest sent me a default notice! When i rang to say that i had written in they said they always issue a default notice if someone sends in a repayment…
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Requirement for an IVA
I Still have not got the nerve to complete my submission for Bankruptcy yet and constantly looking for alternatives...... When I originally spoke to the CCCS regarding an IVA, after completing my income/expenditure analysis I did not have sufficient left over to meet the requirements of an IVA. I have been looking through…
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The fight back continues
A couple of weeks ago, me and my partner were new to this site so we listed all our monthly expenses to she where we could cut back. Well after reading some of the replies and some other threads on the site, I thought it would be a good idea to give an update of what is going on and the savings we have made after a little…
