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Reducing Interest payments
Hi, can I first say a big thank you to SouthernScouser for all the advice in his sticky. I've already visited the snowball site and its given me the kick up the backside I need. :rolleyes: My current cc debts are £10,491 on 4 cards: £893 @ 5.5% for lifetime of debt £3,253 @ 4.9% for lifetime of debt £4,591 @ 15.9% variable…
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Reducing Interest payments
Hi, can I first say a big thank you to SouthernScouser for all the advice in his sticky. I've already visited the snowball site and its given me the kick up the backside I need. :rolleyes: My current cc debts are £10,491 on 4 cards: £893 @ 5.5% for lifetime of debt £3,253 @ 4.9% for lifetime of debt £4,591 @ 15.9% variable…
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Bank HOliday Challenge
Bank Holiday Challenge Hi All :p Hope it's a happy day all round. I was just wondering if anyone had set themselves any specific Bank Holiday Challenges. I know for most every day is one, but since Bank Holidays are so few and far between and then you get two at the same time, and being off work just adds to the…
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yes i got an extra 80 quid and 80 quid to pay of my debts
hi everyone you may may not rember me i was the one who wasted money on takeaways and in suppermarkets well what most of you didnt know was that lynzpower has been helping me everday with meal planers and spending habits and thanks to her and so many of you what repiled to my thread so far this month i have saved 160.00 on…
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New Member - message for Pixie
Hi, I'm new to the board but have been lurking for a couple of days. This forum in particular seems wonderful. Lightbulb moment was June 2005 and we have been on a DMP with CCCS since December. CCCS have been fantastic and it's wonderful getting to grips with our finances at long last. Pixie I wanted you to read this…
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Sorting my debts....have some queries
Hi there. First time poster here! I have recently signed up with Payplan who have recently made offers of payment to my creditors and distibuted my first months payment. Some of my creditors havent responded to my offers and are still threatening the following action: - Baliffs - Attachment of Earnings - Contact with my…
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Loans and Consolidation
Hi there, I've just been out of work for a couple of months and as a result have a huge overdraft - this on type of already existing loans and credit cards - they balances are as follows: Student Loan £9,499.08 £172.43 3.20% Barclaycard £1,808.00 ?1 ? Platinum £2,900.00 £58.00 7.70% Egg £1,870.00 £38.91 14.88% Lloyds…
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Will you ever be totally reformed?
Hi all, I am asking this question as I am about to receive my annual bonus this month which, together with my salary will be £13,000. After tax and student loan dedcutions I will be left with about half, with this I am going to pay back my dad, pay off my credit card and overdraft. My payrise has meant that I will be…
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"Van Bailiffs" charging costs?
In persuance of outstanding Council Tax, we've had bailiffs knocking & leaving a couple of letters (Notices) over the last few weeks ~ we haven't let them in & have also written to them explaining we have no intention of doing so (we've also written to the Council explaining this, and also making it clear we are happy to…
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Deal with CC Co or DCA
I am currently in communication with Morgan Stanley regarding my credit card which I have defaulted on. I have asked them to accept a monthly payment of £5 (and have sent them my SOA as I have other defaulted debts), they are saying they will accept £43, I've just written back saying, sorry, can't do that much, please…
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DMP's and Creditors
OH is currently awaiting DMP from CCCS, we needed to send some extra information through and the plan should be prepared by 1st May. Now reading on the board has got me thinking, what companies (if any) have you had problems with accepting the dmp? These are the ones he owes and how much Lloyds TSB - £400 OD Natwest - £500…
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Npower are sending the bailiffs around!!!!!!
... and good luck to them because it's not my debt. Chancers! (SS stop panicking now ;) ) We've lived here for four years and have been getting bills for the previous occupant all this time. Recently, Npower have posted the bills to 'The Occupier' instead of the previous owners' names. When I opened one I rang them…
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Dilemma over returned chq
I had a cheque returned this morning not 'refer to drawer' but overpaid :confused: on my car insurance...so they reckon. Dilema is I rang them to check what they said in letter.. they reckoned they had received one over the phone payment and then two previous post dated cheques from me, they then confirmed on the phone…
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debts that do not exist, please help
Hi, I am new to the forum. Was wondering if anyone can help with this--- About 4 years ago I bought a suite from a catalogue which I paid every week to a collector (a bit like provident). It is paid in full and still have my completed payment book. Well a few weeks ago I recieved a letter from a debt collection agency…
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General query
Hi Folks Must admit I have been lurking on MSE for a long time before my curiosity got the better of me. I'm intrigued about the taglines which people have given themselves re their debt. eg £x to blankshire bank etc etc. Do you take your debt to include mortgage ( if you are burdened with one) , or are the quoted figures…
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Freezing interest?
Hey all... Just wondered if anyone could help or point me in the right direction... I am sure you have all experienced this...a friend has got wind of my DFW ways and now wants my help. She is in a much worse position then me and has asked for advice on asking creditors to freeze interest. Is this possible? Can you do it…
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Advice Needed ...
Hi Everyone This is my first post and I really need some advice ... My wife and I have racked up about £53,000.00 debts through various things: £25,000 loan from Lloyds TSB £9000 Lloyds TSB C/Card £4,000 Mint C/Card £8,000 Barclaycard C/Card £6,000 CapitalOne C/Card The loan was a consolidation loan to clear my wife's…
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Woots
still have £1027 quid in my bank account (have spent next to nothing so far this month), and its only 2 weeks and a day till pay day so i should make my target with plenty of room to spare :D This cold is a good thing as ive not been out since sunday (apart from work) so have not spent anything! Still no plans to spend any…
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When you become debt free... will you change your habits?
Ok this is going to sound very very odd... but since joining MSE and dealing with my debt and budgeting and becoming very OS I think we have become less stressed, better dressed and better fed than we have ever been! I'm not sure I'd ever be able to go back to how my habits used to be as I really quite like this new…
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Help...what to do next...
I've posted this on the Loans thread too but there's more volume here so... Two days ago I wrote to A&L cancelling my PPI on a loan plus quoting mis sold as at the time we were told we HAD to take the PPI plus my DH is self employed and was at the time of the initial transaction. I got a reply today: I've never seen a bank…
