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Bankruptcy Fee's & Rental Money
Am in the process of going bankrupt - have decided to stay in our mortgaged house and see if they give us a few months grace to sort ourselves out. I really want to avoid the whole 'bailiff' situation as I have a 6 month old son, but I am running out of time. I need to start paying childcare for my son at the beginning of…
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payments to credit cards??
Hello All.. I'm slightly puzzled here, if I open a basic bank account with no chequebook, how do I make token payments to creditcards and loan companies in the first instance? ie:accompanying my income/expenditure sheet when notyfying them of our difficulties? Any help appreciated..
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Default 1999 - DCA want the money 7 yrs later!
Can a DCA put a default back on my experian file cos its 7 years old now and was legally removed May 2005? Obviously I dont want to have the default show up again its taken me 5 years of sleepless nights to clear £40k of debt through payment plans with my DCAs by strict budgeting, very lean living and loads of overtime…
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working hours
Just when I'd finally had my lightbulb moment and have started to get my debts cleared they are changing my working hours. I work 12 hour nights at my local hospital, sounds a lot but I only have to work 3 nights a week. They are also dropping the enhancement for night duty so if I carry on doing 12 shifts a month I will…
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Halifax problem
Could someone help me. My daughter who is 17 worked for the halifax for a short time. When she left they over paid her. She did not realise this and spent the money. It was about a month later that they told her that she had to give it back as they had made an error and over paid her. Since leaving there she has not found…
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I am so chuffed saving money already
in 1 week i would normally spend £20 - £25 but this week i have spent £4 :j :beer:
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Help me please...
Hi, new to this site and hoping for advice. Am currently in payment plan agreements on my credit cards - total debt £40k - my husband lost his job and has started his own business but earnings have decreased by £600 pm. We have sold house to use equity to clear debts and are now in the process of renting a house but not…
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Advice Sort Please
Won't go into to much detail - but if anyone can advise we would be grateful, we were due to be left some money from a very close friend who was dying from cancer but they sadly passed away a lot earlier than was expected, my wife took out a £5000 loan which we were going to pay off when the money was received, but because…
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The Good News Thread...
can you tell I've got too much thinking time on my hands today.. :D I've had an idea sparked mainly by some of the wonderful and inspiring threads on here this week from all of us DFW's shall we have a good news thread on here so when we do happen on some good news concerning our debts we can all share the news with…
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DMP help
Have recently set up a DMP and first payment was due on the 28th Feb. Had signed and sent off all the sanding order forms my bank then called me to confirm that I wanted the standing order set up. I then see the money go out on a mini statement from the cash point and think everything is fine. Went the bank today and got a…
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What is the lowest minimum payment
I am posting this on behalf of my neighbour who does not have access to the internet. I am afraid I am not in full possesion of all the facts but if any of you need more info then I can ask her and if she is willing, will let you know. We were talking today and she was saying how much she is struggling with only £5 a week…
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Good News for a change
Isnt it funny how things happen???? I have just found a visa card statement from January and it said I had a credit of £1000 on the account. I checked the on line account that said the same, so rang the credit card company. They agreed the account was in credit so have transferred the money back to my cheque accuont. And…
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Please Work Your Magic
Hi All, I've seen the help and advice that you have been able to offer many other people in very different circumstances, and now I need to turn to you. I have 7,000 on credit cards, and a HSBC loan at 7.9% interest with 11,000 left to pay. I AM currenly paying interest on the credit cards, although about to try moving…
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strange call
Hi all just had a strange cal from HFO they purchased one of my debts it seems they have been in contact with the OR and she has told them that i did make the credit card company aware from the beging that i was going to go bankrupt so they should not have sold the debt on without telling them!! the word HFO used was…
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Help!!!!!! money troubles
Hey People I am in dire need of help. My mum has just told me that she is in over £11,000 debt and that she wants me to take a loan out for her, for £5,000 and she will pay it back. Now I trust my mum totally and I want to help her out,but I am very unsure on what loan companies I can trust etc. My situation is that I am a…
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Salary calculator (I want to actually make a profit!)
Hello World, I am in the enviable position of currently beig able to negotiate a sensible pay rise, which I really really need. I am looking to work out what my target salary should be, accounting for all my expenditure and a bit more for the kids savings plans etc. I currently run my budget on a excel spreadsheet, which…
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Lots of Thanks!
:j Just a little note to say thanks for everyones ideas and thoughts on this site, with all your help we have managed this month to not have an overdraft, swop onto LOB CC's and get rid of PPI with Egg and now just waiting on HSBC for their response. First time in few years where we will not be having any bank charges this…
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Had a post lightbulb moment and a dawning realisation that...
I have had an amazing post lightbulb moment. As with most of you I have been paying off my debts etc and it should only be a few months till they are clear. Then I had the realisation that once they are paid off, the money will be mine, as in aside from putting some into savings, its mine to spend on what I like, in an MSE…
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Just when things are looking up...
Okay, managed to clear all our debts, O.H got a slight pay rise, and though not yet in a position to save we are manging to stay afloat.. then this letter arrives on my doorstep... offence ;avoid fare 22/11/2004 fine 195.00 bailiff fees 44.25 total due 239.25 for sutton magistrtes court this is a final demand to pay in…
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Advice Needed
I have a Protected Trust Deed (Scotland) which has been running for over one year, I have two to go. I have just learned that i have approximately £30,000 of equity in my property and wondered what others would do in this situation. I have considered selling the property and leasing another and paying off the Trust Deed…
