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What have u spent 28/01/06?
I hope Im not treading on any toes by starting this thread but Im at a loose end. I havent spent a thing today :j tomorrow maybe a little more expensive though as we are going to watch the footie. I hope everyone is having a fantastic weekend :T So...what have you spent today?
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First Steps
I have had my "Woah, OMG" lightbulb moment, been in touch with CCCS and sorted out with their help my SoA and made token offers to the people I owe money to. All the debts are in my name and I really want to pay them off as quickly as possible (although that's not going to be very quick!). My situation has slowly spiralled…
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just when it couldn't get any worse..
Well had my interview with PayPlan and they recommended i tried to get my creditors to accept a min payment of £1 until i've finished paying off my council tax (money going striaght out of my wages) and then set up an iva with them.. so was just starting to feel good about things and i find out that some of my creditors…
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Credit Card Company - Do They ever freeze intrest??
Hi I am asking for advice on behalf of someone.basically they want to know if if anyone has had any experence of a credit card company freezing intrest while making as much payments as they can. This is due to a change in circumstances and are wondering if this is possible rather than get a loan and get into a downward…
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Default - Try to get it sorted or wait????
Hey Folks Ive been tryin to get finances sorted recently, student loans etc should all be cleared within a year!! However, have been trying to clean up my credit file and have been listening to a lot of advice on the board.. I recently obtained a copy of my credit file from experian, which it shows a default. I expected…
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From I.V.A. to bankruptcy
Has anyone pulled out of an IVA and filed for bankruptcy? Did you get any grief from the IVA company? Did the O.R. say anything?
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IVA - What is it? & is it bad?
I have just had an appointment with a debt management company called Payplan. They are going to help me with my debt and gave me loads to advice. She mentioned that in 6 months they were going to suggest an IVA with my creditors. She said that it was an alternative to bankrupcy. My husband & I have stupidly racked up over…
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CCJ's
Hi Just a really quick one and would really appreciate some quick feed back.. its turns out that when i moved not all my creditors were notified and since have been to court and i've now got at least 3 ccj's against me. If i was to go bankrupt, do these get cleared as well ?
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Not Quiet so scared any more
Just wanted to let you all know, (and may be prompt those who are thinking about it). Have just had my apointment with Payplan and have decided on a DMP rather than an IVA. I want to clear all of my debts myself even if it does take 10 years. The great thing is that I can throw any extra money at the DMP once a year so if…
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Newbie checking in
hello everyone I've been lurking for a while, so thought I'd take a deep breath and post. This site is so inspiring! Having done the budget, and tackled some overspending, I've managed to save over £140 a mnth!! Which of course can go towards paying off the CC even sooner :o One thing I have noticed about this whole…
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How do you know if your debt is bad debt??
I have just added up our credit card debt and it totals 20K (bit of a shock). So far I am managing to pay minimum payments but our outgoings excceed our incomings by £400. I have just got a new HSBC credit card with 0% BT and am trying to transfer most to it. Is this bad debt? I have equity in the house but after reading…
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Debt recovery letter
Hoping someone can give me some advice We are in a lot of debt which we are really trying to tackle we have finance on our car which is £124 pm we were having a lot of prob finding the money so we spoke to thecompany who seemed ok and said we could pay the following month. this morning we recieved a letter from a debt…
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Free Financial Help??
Hi folks I must of heard Martin Lewis mention a few places to go for help on Jeremy Vines programme - but now that I need to get in touch with one, I can't remember. Only the Citizens Advice Bureau springs to mind, but are there anymore? Perhaps ones that are open at more flexiable hours would be nice. Thanks
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new to this
hi I am new here and in need of a little help I looked at other sites and found a printable budget sheet etc to send of to creditors they are now coming back with it things like the car tax ,mot per month is to expensive and the tv ,computer , daughters dance are luxurys so the amont is not usable I did go to a fee paying…
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Tackling our debt....at last
Hi all I'm sooooo glad to have found this website, I've been lurking for a few weeks and the support you guys give to everyone is amazing and has been a real inspiration to me. We have been in big debt now for some time due to several factors - I took 3 years out to retrain in a new career but mostly it has been through…
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Pay day advance advice
I got a pay day advance from our local Cash Generator for £300, but now my bank won't issue me with a new cheque book, so i can't roll them over and i can't pay them either, because my bank account is £300 over the agreed overdraft limit, so if my cheques go in from CG, there is no way they will honour them. Has anyone…
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Scared to death-50K in debt and hubby doesn't know
HI, I've been lurking around here for days as I was recommeded this site-so far what I've seen really is helping. My problem is: I'm in debt (all my name) of 50K and I need to get help. I cannot let my husband know or we would get divorced. He has bailed me out before. His wage covers the mortgage, and all utilites. I pay…
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My bankruptcy and other animals
If you look you'll see many posts by me and my impending bankruptcy. One thing that has come through is that my call is always important to them and they always lack common sense. As I cant really vent my spleen here without potentially exposing Martin to trouble and him losing his new best mate, the Hammster, I have…
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Any suggestions greatfully received! debts 23K+ and spiralling
Any suggestions or ideas would be appreciated... Homeowners with equity but remortgaging not an option due to various reasons. Not keen on the idea of a secured loan either. Debts - HSBC loan (10.9%ish) - o/s approx. 13K - £230 p/m Virgin C/C - o/s 4K - £110 (ish p/m minimum payment) HSBC C/C - o/s 3.5K - £105 (ish p/m…
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Letter for Credit Card companies
Hi! I just wondered if anyone knew of a website that had examples of letters that you could use to send to credit card companies to ask them if they would consider reducing your interest rate? I don't even know if credit card companies do this sort of thing, but I wondered if it is done by other people if there was some…
