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A question for Addicted to Chocolate
Sorry to be so specific and ask for you by name, but just a quick question and I'm thinking you are the best one to ask. I declared bankruptcy in May of last year. At the interview with the examiner, he did mention that it is possible I may get called back for a second interview if they had any questions. So my question…
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cheap broadband
ive had a flyer through the door for broadband and free phone calls at all times for £22. 99 a month, with https://www.broadbandunlimited.info. looking at the website i can find no address only a contact number. does anyone know about this amazing offer or is it too good to be true? tony
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Insolvency advice
originally posted by town cryer, shifted here to stand a better chance of getting a response *************************************** to Martin or anyone who may know. ( i dont mean the big orgs like credit counselling etc) Does anyone know where you can get insolvency advice, that is free-ish. For obvious reasons, when you…
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Stick with debt or increase mortgage?
Afternoon, I have personal debts of £13k and a mortgage of £40k. Should I increase my mortgage to clear my debts? I am 2 years into my 5 year fixed rate 25 year (4.49%) mortgage. My debts consists of £10k on a Cahoot loan (6 months into a 4 year loan at fixed rate 5.8%) and £3k on an MBNA card (0% for 9 months).…
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cccs- new bank account
I had an interview with the cccs yesterday, and they have told me the first thing I should do is switch my bank account to one i don't owe money to. That's a little tricky, as I bank with n/west, abbey and barclays.... I am having trouble finding a bank that will let me open an account when i have such bad credit…
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If only.....
I had the foresight and knowledge that I have gained in the past few weeks! Thank you for all of your help and support yesterday - I really appreciate it! I am finding it hard to accept reality, although I know that I have to!! Living within our means is going to be the hardest thing to accept, although I know it needs to…
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Basic bank accounts and paying in euros
Hi, Fantastic forum! I contacted PayPlan (who have been excellent so far) last week. They told me to set up a basic bank account. I have looked at the list and done lots of research but I can't work out which bank is cheapest for paying euros into my account by cheque and by transfer from abroad. I receive a few foreign…
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Capital one late payment....
Hello Guys Just wanted some advice, my payment for my capital one card was due on 23rd, i made the payment via internet banking on the 20th. The payment reached my capital one account on the 24th, i have been charged for late payment and going over my limit= £40!! Obviously i should make my payments earlier, but i think…
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can you help me with abrivations on this forum
Hi i hope you can help, i love reading thes storys and helpfull hints on the debt free forum but i dont get some abrivations and what they mean, can you shed some light please. What is a dmp and a ccs? thanks in advance :j posting
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Need to raise some money!
Hi We just finished having our home built and the developer has slapped us with an extra £7.5K of work - we thought he was doing it for nothing so it was quite a shock. There is nothing in writing from either side so we probably could deny it but he's been OK with us and we don't want to trick him. So, I need to raise the…
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What's the next step?
My partner and i have recently re-mortgaged out home (am waiting for the funds to come through) and we are using the money to pay off most of our unsecured debt. I have had a DMP with the CCCS for 2-3 years now (they are amazing!!) and i should be able to pay off all of this when the money arrives. However i know that my…
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my challenge
hi guys, as you can see from my signature i am aiming to have paid off all my debt by end 2007. that is the latest i want to be debt free. this morning i have paid another £54 off my barclaycard. i have really started this thread so i have a log to show how it was achieved. i am planning on paying £205 off next week and…
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I found this site
:j I found this site a few weeks ago, went through all the usual things "I have been a mug" bla bla. I then bought martins book and because I was so caught up in this site I idn't read it(I didnt have time) Then one night last week I just could not sleep as I was thinking of ways to cut back etc and I got up, made myself a…
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G/f has a problem. Company being horrible
Hi Everyone, Need some help here. My Gf got some letters today (well I delivered em to her) and one was one from Specsavers saying they wanted £250 because of their error, they hadn't charged her for her contact lenses for over two years. This letter was sent approximatly a week ago. Now a few days after she got a…
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DMP's do they affect your credit rating?
Hi Just wondered whether a DMP affected your credit rating and why if they do. I could understand an IVA affecting it but not a DMP. Thanks
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Disabled and with debt 20k+ Legal Action
I have a family friend whom I have known ever since I was young, and I consider her to be like a "grandma". Last October 2005 she had a stroke and until now she is paralysed in hospital and is unable to move at all. She is entirely dependent with everything now. Now, the truth has come out and now it is clear that she has…
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HSBC £24,000 and they want to charge 12.9%!!!
Hi I have done the right thing today and closed my business down and this leaves me with a £24k debt. I have spoken to HSBC regarding a consolidation loan but they initially said no problem sir but at 16.9% over 10 years!!!!!!! :mad: Having argued the fact that I was facing my responsibilites like everyone else on here…
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Positive Mental Attitude Does Work!
Hi Folks, Have had amazing support from everyone the last few weeks so would like to say :T ! You might remember slightly I was having trouble cancelling the PPI on the loan I had with Northern Rock, was getting all sorts of harassing phonecalls etc and was generally very stressed. Well sent the letter from this website…
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Can Anyone Suggest A Cheap / Free Pick-Me-Up?
Im feeling really low today with one thing or another.....all linked to my debts. Delays (on my part) regards to my new bank account, my wages having to go into my old account (too late to stop them), trouble & delays gaining recent statements with correct balances from my lenders with a tight deadline to get them to the…
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Urgent Help required!
All, If anyone can help I would be very grateful...my other half has just had his lightbulb moment and because I have been debt free for quite a while, im not sure how to help......he wouldnt listen to me and kept very quiet about just how much he owes...I took him to a mortgage advisor today which shocked him into…
