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Need to tighten our belts!!!
Hi all, Fairly new to this forum, and hope I will be offered lots of good advice, as I have been reading the advice given to everyone else, and it’s wicked! Where do I start? husband, and Daddy to three beautiful kids (username probably gave that away), we live in a modest 3 bed terraced house. I work full time, and wife…
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Cheeky MBNA
I received a letter this morning from MBNA dated 30th December on the letter but with 12th Jan postmark on the envelope. They were telling me that I was in breach of my payment arrangement, I'm not and the latest payment was made on time a few days ago. This has made me think that they've had this letter printed and ready…
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Old CCJ
what happens to the debt one my ccj reaches its sixth year my mortgage adviser says the debt then has to wiped and they cannot chase you anymore also the ccj gets removed from my record. Is this true? :confused:
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Payment Protection Insurance
Hi I'm new here so forgive me if I am covering old ground Just a query re PPI - I am going to cancel the PPI on my credit cards to get on the path of being debt free by the next millenium! I have several credit cards and no mortgage and no kids. I am about to get married - what happens if I die or get injured and can't…
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Letter from the court, help?
We moved in to a new property in August, in a new area. We hadn't paid any water rates until the beginning of December as the water company hadn't received our bank details apparently. So we got threatened with court action. I phoned at the beginning of December and paid £73 which was half, I did say I would make another…
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in a conundrum
Briefly, i am £61k in debt with loans and cards and have been paying my creditors £1 token payments for @ 5mths which Spectrum debt agency set up for me in August last year. I have since binned Spectrum off over xmas and have chosen to go it alone with advice and possible help from Payplan. I spoke with payplan earlier…
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Refused student account overdraft!
I recently decided to quit my full-time job and return to university. I knew I would struggle financially, as I have 2 kids, a mortgage and some existing debts. I thought I would be eligible for a student account with an interest free overdraft facility which i could have used to pay off my CC but I was knocked back. This…
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update
Thanks for all your replies, I had my interview with payplan this evening, was so nervous before hand but they were cool. Went through everything with them even my student loan ahhhhh, around 27k of debt how scary, I only had £170 a month to pay my creditors, they said for me to be eligible for an IVA, I had to have £200 a…
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Secured vs Unsecured Borrowing
Can anyone please tell me why an OR can include your house as one of your assets if all the debt is unsecured borrowing. Surely, the reason that it is unsecured in the first place is because it ain't secured on your property and secondly unsecured borrowing costs more 'cos its a higher risk to the lender, hence, why…
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Bankrupt and wanting to emigrate to Oz.
Can I emigrate to Australia if i have been bankrupt?
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called payplan and their advice is ....
to file for bancruptcy... I can't beleive it. I thought they might be able to come up with something. but they came up with the same problem as I havebeen once the bills are paid there is just nothing left for debts ( ewhich explains why we have rent arrears and council tax problems ) I have looked for work but with 4…
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What have I missed off my SOA?
I don't think I have ever put an SOA up before so am going to attempt one now. I have been on this site for 9 months now and it has helped me immensely. I know there is still work to be done and with some more effort I could save even more money in some areas to put towards my debt but finally I have the feeling of being…
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In debt
Hi guys......ok im 26 years old and i take home £328 a week and out of that after all my debts are paid off i will see £10 to live on.......out of this non is saved for my future.... i still live at my parants house and am £22,000 in debt
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Logic Group Grrrr
I have just had a coversation with the logic group and told them i am not paying them until i have had a responce to a letter i was given on here regarding providing a copy of the credit agreement. After a lot of arguing and moaning he acceted this but they are real pigs. Also i have recieved 2 letters one from logic and…
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How Much!
Hello All Have been watching the forums for a while now and finally decided to give it a go. Have totalled all debts up and ended up crying but thats was the first hard bit over. Am now waiting for a call from Pay Plan so am asking for a bit of advice please. Will they know whats right for me and will they contact all…
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I think I finally get it.....!
I have been here a couple of times before about problem debt but after a month of concentrating on it I always have let things slip in the past and gone back to my old ways. I finally think now that something has pinged inside me and I have realised that I dont actually need all the stuff that I constantly buy and that…
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lloyds are stiching me up again...
Here's a tale... I've had my Lloyds account for 12 years Ten months ago I had an agreed overdraft of £1900 Lloyds decided four months ago to reduce this to £1300 without telling me, the first I knew was when DD's started to bounce. Of course they sent the letter that told me that they had bounced and that they were…
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How safe it this?
Hi I am not sure if I am on the right board but here goes. I have been reading the boards for months and made loads of savings(thanks everyone!!).I am now wanting to sign up for one of the DVD trials and take advantage of their free period. I just wondered how safe it is to put your visa electron details on? I have always…
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Had too Many searches on my File
Hi I was stupid to have too many searches done at the same time applying for a few credit cards and loans - I have now badly damaged my record, all my cc and loan payments are update and I have never made any late payments, but I am showing 8 searches in the past 8 months and my rating is now very poor, how long do the…
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bank 'unfreezing' interest on overdraft
Hi, hoping for a bit of advice from anyone who has been in this situation or who knows what to do we have a 2 bank accounts with lloyds amonting to £4800, In July last year we negotiated the interest to be frozen for six months, I was hoping to be able to carry on with this for a little while longer, we are paying £50 per…
