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Partners Debt Problem
My partner has a debt problem which we need to talk about. Q. Is there anything we can do so she cannot get it this problem again and get a credit card / loan etc. I am probably prepared to help her out but it would make the decision easier if I new she could not get into trouble again!
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Taking name of joint account
I have agreed to go through Payplan. My husband has no idea about my debts but I know I will need to tell him soon. We have 2 joint accounts and I also have my own account (and he has his own account too). Payplan have advised that I need to take my names off the joint accounts as some of my debt is through the bank at…
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Finally
Afternoon guys and gals, Phew.. Finally my debts are decreasing and i love looking at my signature now! Makes it so much nicer seeing that i owe £22900 rather than £23700. How close i was to owing 24k, now its on the right way towards 22k. Im hoping i can update it in the next few weeks as i have some tax credit money…
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what can we do
Hi, In November a member of my family stupidly consulted debt free direct to help with their debt problems. however after realising how crap they are we phoned up in December and told them we did not want to go ahead with what they had worked out as my family was no better off than the current agreement. However today my…
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Major Debt problem
Hello All Ive been viewing this Forum since joining and have now plucked up the courage to advise of our SOA. To cut a long story short, we have approx £78K of debt in total not including our mortgage. I am a director of a company and therefore BR is not an option. I have contacted CCCS and have a telephone meet. set up…
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Anyone as sad as me????
Since deciding to deal with our debt, and having precious little money coming in through the door at the moment, I find I am scrapping for every penny! Today I've emailed Tesco online as they missed a pack of soft cheese from my delivery it was only 44p :rotfl: but I thought that's 44p which should be mine and I'll have to…
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Richburns Ltd
Anyone ever heard of them? They are apparently working for EDF energy. I have done a websearch and they are a debt company it seems? Only, I paid my Gas bill 2 weeks ago, and my electricity is a payg meter :confused: The letter they stuck through the door said urgent, and the wording was "We want to help you sort out this…
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Mobile phone contract
Can anybody out there please help. My boyfriend is currently in a lot of debt, though he is doing everything he can to sort it out (going through CCCS) and has set himself a monthly budget (which I then changed !!). Anyway, I suggested he change is mobile phone to pay as you go as I have some O2 sim cards that he can use,…
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How to approach CC for a rate reduction pls
I wonder if someone can give me advice on how to ask/approach CC companies for a reduction in the interest rate they are charging? I tried yesterday with Mint but the stroppy lady on the phone said 'no way'. I have heavy card debts (see my SOA) & just wondered what others experiences were - how do you get a reduction in…
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What have u spent 27/01/06?
thought i would start it as i havn't done one for a while!!! got paid today and it sucks!, pah its gonna be another long month of just existing...but i do have two footy tickets :) Reading vs Norwich and the biggy! Norwich vs Scum (ipswich) Well for today its my friday treat so £3 on lunch and then prob a tenner on drinks…
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inspiration??
I need some inspiration. Where do you get your inspiration from to keep to your budget?? I know that being debt free should be an inspiration in itself, but I do well and then tend to have little relapses. I was supposed to be looking for a suit to work (paid for by work) at the weekend but ended up with non work clothes.…
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Good snowballing website?
Hi there, Can anyone recommend a good website for working out snowballing for your debt? Thanks very much! SS
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thank heavens for this site!!!
Hi all found this site yesterday thanks to a friend. What a god send :j :j Difficult circumstances are looming will tell more in another thread. But thanks to this site checked my credit file and found a CCJ for £100 at my previous address but only gives court details and a reference number. I assume I have to phone the…
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what happens next?
I've had the woman from payplan on the phone again tonight, she asked me wht my decision was, there was only really one option IVA, (27'000 worth of debt), she is starting my iva off, just wondered if anybody knows how long it takes for the creditors meeting, she says I need to sort out my new bank account, I have applied…
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IVA settlement
Currently in the second year of an IVA with Debt free direct, i was wondering if anyone had settled an IVA early and what sort of settlement did the creditors accept? Would love to be rid of this as soon as possible. Any advice welcome. Thanks.
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Just Say No
Hi Just discovered my sister has £60k on credit card debt and other loans of over £20k as well as a mortgage. Still recovering from shock, so I wonder how she and hubby feel. Question is, WHAT MORON KEPT GIVING OUT CREDIT TO THIS LEVEL? I feel as if I have just found out that a pusher has supplied drugs to her and I want…
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Started to do something..
Hi everyone. Just found this site . Cant say how relieved I am to do so. My wife and I have around 40k in unsecured debts between us and.. a mortgage of £50k. Last year was a horror for us and we didnt start earning again untill November. I think I must have been waiting for the golden chalice to arrive and just ignored…
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Ex-Wife & Debt
Hay y'all Hope the new year is bringing in some good stuff. Since my divorce in 99 I have paid off £51000 off my & ex wifes debt. Unfortunately I ended up getting a letter from the court about maintenance. I have over the last 5 years been paying her what I could afford for my son but averages £450 a month, which I think…
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Amazing How Things Change
Hi there I just thought I would give all debt-free wannabe's a little boost. Back at the beginning of January I had debt on the following credit cards: £8500 Halifax CC (19.95%APR) and £1250 Capital One CC (approx 21%) Since joining this site and reading lots of good advice, I now have the following credit cards: £1500…
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Anybody got £35k?
Hello! Long time admirer of Martin and have been a regular subscriber to his newsletter but now I think is the time to step up and ask for a bit of advice. I'm 32 and married but because of family situations we've had to do everything financially on our own. Since we got together we've got married, had to pay for 2 cars…
