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Getting OH to sort out our Credit Cards
Hi everyone - glad to know we're not the only ones in debt! I need some advice... all our credit cards are in the name of my other half, but he won't pull his finger out and get them into some sort of order. What tactics have any of you used to get your OH to sort out stuff like this? I control all our other finances, but…
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can you start saving whilst in debt
just a question can i open a saving account if and when (hopefully) payplan sets up a plan for us or is this not allowed untill everything is paid off, i would not be looking to save a huge amount each month just enough to cover emergencys such as if something breaks down tia
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Anyone heard of CCS collections?
Its just i had a message left on my mobile phone from them, saying i should call the asap with a reference number. But i have no idea who they are, and dont want to call as it might be a scam? Has anyone heard of them at all? Carli x
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Grrrrr........Why Do They Kick You When You're Already Down?
Hi just had to vent my frustration - tried to CC shuffle but as im such a C**p payer (well - in the past since i changed my ways and started coming on here and becoming obsessed!!!) :o they won't entertain any transfers at present, owe just over £300 on Capital One and the same on Barclaycard Initial (which is like 29.9%…
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How sad is this - I want to get my CC bill !!
Yes I know I can't quite believe it either, but we have a Tesco credit card that we put all our spend on each month and pay off in full. This works for us as we have a One Account so the longet the money is in our account each month, the more it's working towards our mortgage. Recently however our CC bill has been getting…
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still waiting for that payplan call
which was meant to have been yesterday getting worried we are never going to get out of all this, would it now be better for us to approach cccs or try and continue with b&e even though they have let us down and are costing us a fortune, this is all such a mess all i wanted to do was sort things out, could payplan have…
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What is good on your credit file?
I have some things on my credit file but not sure if they are good or bad to keep. As you know sometimes organisations are slow in updating your credit file but can this also be helpful? I have a couple of old storecards/catalogues that are still getting a green 0 every month and they have a 0 balance, but 1 has an allowed…
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Change of mortgage
We have had money problems (BIG) in the past through real stupidity. We have a mortgage with Burmingham Midshires which is fixed until June this year. We have 9 defaults all of which are fully settled and the most recent default date is Sept last year. Of the 8 defaults 4 were actually cleared 2 years ago but until I got…
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Naive question time!!
I'm trying to get a DMP but I keep hearing on the radio about being able to reduce your payments and then your debts being cleared in 5 years. Is this something different? is it a no-no? if i do a DMP with CCCS will it take years and years to pay off or will the Loan/CC company's write it off? confused :confused:
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Full and Final Settlement question
Hi I've been contacting our creditors to see what they would be prepared to accept as full & final settlement. Most of our unsecured debt is with Yorkshire Bank on two foolish consolidation loans we did a couple of years ago. Now, the lady at YB told me that they will not accept a reduced amount as full settlement on a…
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Work it Girlfriend
Just wanted to give myself a small pat on back as I'm finally doing something tangible to cut back the money I owe out. Managed to get a template from someone for a letter to send to Abbey to get PPI cancelled on loan, thanks to AvoGirly. Sent email to British Gas (grrrr) regarding bill, of £900 :eek: Still includes £300…
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Debt collectors
Hi, This is my 1st post so please be easy on me! Ive been reading this forum for a while, and using the advice gleaned on here I went on to tackle the debt I couldnt afford to pay when hubby lost his job. I called National debtelpline who advised me that as we are on JSA at the moment to offer all my creditors a token…
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Finally offered a current account!!
Yes!, I now know that I am becoming debt free!!! I went into my local Halifax and asked about upgrading my account from the basic cardcash one (as I'm sicked of my visa electron card being refused because not everywhere accepts it). To my huge surprise I was offered a current account with cheque book, switch / guarantee…
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Good news! The debt is gone!
Well, I've been thinking about how to post this thread for a few weeks now, and I can't quite believe I am doing. Finally today, after eleven years of owing to all comers (or so it felt) I am debt free :j . My overdraft facility is going to be gone the next time I go to the bank to talk to them and the cards are all clear.…
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eggstra special easter savings
Anyone got any suggestions for where you can buy the cheapest eater eggs - or got any other ideas for easter-themed gifts? :rolleyes:
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YAY! Unexpected little bonus :)
We have a monthly rag that has a little competition in it all internal in our company and I usually enter it every time and I won febs competition. Usually this is a bottle or two of wine but THIS time I came back to work from havign been poorly for a few days and foud an envelope on my desk... a little puzzled but thought…
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Making a complaint against Harrington Brooks
Hi Everyone I got in contact with Harrington Brooks - (apart from getting into debt this is the biggest mistake I have ever made) last year. Last month I asked for a break down of all the cost etc to see what my creditors were getting paid and the outstanding balances. Their fee should have been £34 but instead they were…
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How much have you spent today - Wed 29 March?
Good morning :) Nothing so far and intend to keep it this way but let's see how it goes... Have a great day everyone! :j
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Local Elections coming up
Thought this was worth a mention here gang Local elections are coming up, and most local councils will need polling clerks, counting staff etc. Not the best money in the world, and its a long night shift for counters, but a night shift in London ( were reckoning) is £200 Ask at your local council if it will fit in with…
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Best Basic Accounts, Barclays Will Close Mine Due To My Debt
hi guys just after some advice on a basic account and where to go, i will be needing to open just a basic bank account as it looks like any money i now put in barclays will be taken by them for the debt i owe(they will not co opertate with b&e hopefully they may with payplan but i cannot take the risk of them takeing all…
