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Anyone used the Debt Management with the CCCS?
Hi, has anyone got any experience of the debt management service offered by the CCCS? As I am in serious debt the only problem I can see it causing is to my credit rating which will already be in a bad state due to the problems I've had in the past, but it would be great if anyone has any experience of this service before…
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Does Debt 'Expire' So To Speak?
Basically i have a few debts of up to a grand for each one.. but i also have one credit card debt of £3500 which is my biggest single debt (no interest being paid as it was passed over to a debt recovery company a long time ago) but they only gave me a £500 limit to start with and let me spend waaay over it.. as you can…
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Depressed
I'm very depressed tonight because I had a row with my OH about money. His paycheque is very late this week and our mortgage payment has left the bank account. We are over our overdraft limit and we have been charged £30. he blames me for mismanagement, says that I should realise his boss is unreliable and keep funds in…
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Feb/Mar mindset
We pay Council Tax and Water Rate monthly, but they're spread over 10 months, so we pay only one in Feb and April, and neither in March. Instead of feeling I have more to spend, I've persuaded myself that in those 3 months I don't go shopping, and we eat as much as possible out of our stocks. Last week I thawed the carcase…
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Discounted Mortgage Rate
Hi All, I overpay my mortgage every month in a bid to be mortgage free ASAP. My two year discounted rate of 4.74% is soon to end and my interest rate will increase. My question is - I have about £10000 left on my mortgage and would like to switch my mortgage to another lender or deal to get a better rate. However, I have…
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Charging Order Fiasco
Asset Link have gone through the correct procedure to obtain a charging order on our home but we have so far succesfully managed to frustrate their attempts. The last appearance in court Asset Link added another debt that they are dealing with to the papers. We pointed this out to the judge, both verbally and in writing,…
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...I guess it's lightbulb day!
Hello all you lovely people.. I've been lurking unregistered for some months, watching, reading, and picking up lots of really helpful tips from you all, and admiring every single person who has been brave enough to face up to their problems and take action. Well, it seems today is my day to join in and take action too.…
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possible good news
Hi, i think that i may have been given a pay rise!!!!! Yippppeeee. :j i had to enter some payroll info onto the accounts today and it looks like i may have one. I just don't get why my boss hasn't told me yet. I guess i'll now for sure on friday when i get my salary Lem
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I've done something really silly!
I'm on a debt management plan and have been for 18mths or so. One of my creditors rang today and offered to restructure my account. They wanted to give me a loan of exactly what I owe them and will decrease my monthly payments to them and will take the same time to pay off as the plan was doing. Only 1% interest! I…
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All is Quiet!
After writing to tell all our creditors that we are in a bit of a financial mess and please give us 28 days as we are talking to CCCS (including the ref no) it has been remarkably quiet! we've had one letter - which to be honest was a very nice letter and from wot was being said about them on here you wouldnt guess it was…
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capquest strike again?
well ive heard it all now, a friend who has been paying a debt to his creditor and being harrassed by capquest recieved a call tonight well his 8 year old daughter did he was at work his wife in shower the chap said to this little girl hello im a policeman i want to speak to so and so he then proceded to quize the by now…
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GE Money - Admin Costs
Hi I am sure someone on here will know the answer. I am sending my claim for bank charges to Capital One tomorrow after paying £10 for the 6 years statements. Now my question is I have also sent a letter to GE Money and they sent a letter back today stating that to cover admin costs a charge of £0.50 will be applied to my…
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Advice needed from someone that understands credit reports!
I've just had my report through the post and there are some errors on there. Nothing major, just my date of birth is listed wrong from when my employer did a credit search on me - but its shown wrong 6 times. It's also listed incorrectly by Orange. Also 18 months ago I was late making a payment to Tesco Finance. Not my…
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Noooo!!!! Site upgrade?!
Argh! What am I going to do tomorrow? I've got into a real habit on having MSE on whilst pottering about the house (off work til next week). It'll be like cold turkey without my lifeline tomorrow afternoon! :eek:
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How to start reclaiming bank charges
Hello.Ive posted a note the other day on this but i forgot to ask something.A quick run down,been self employed for 5 years bank charges gollore rougly around 3 grands worth in 5 years.Registered to the action consumer group what ever it is but dont understand what to do.Ive seen the pre made up letters to send but which…
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Wish I'd found this site sooner
I guess I could describe myself as a debt free wannabee. Debt has existed around me since way before I was even born as our family was always close to the breadline, and it really is just a constant cycle. Over the past couple of years my wife and I have focused on getting rid of all our combined debts - we had a total of…
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Switching Gas & Elec suppliers, bad move?
I recenlty switched my electric and gas suppliers from British Gas to SWEB energy, as SWEB were much cheaper. However, I got my final bills from british gas, £102 for Gas and £60 for electric! i did this to save money, not I have to pay £162 out in a oner! I should of just kept with British Gas, was I stupid?:mad:
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Today I don't care
Took OH out last night for a slap up meal to celebrate her 5 yr checkup after breast cancer. All clear, and we had a great time. Reality can wait till the weekend. Selfish I know but sometimes youv'e got to cut a little slack, and this is one excellent reason. A major scare/illness does make you re-evaluate your lifestyle,…
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good afternoon DFW
i just wanted to say helloand had to come and post and say i have found this site very helpfull and say thanks. i just got the courage to post.since reading the posts i feel i have started to get things going in the right direction to DF i loved the ten comandments <sp> the other day cheared me up and i even got my partner…
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What would you do...
Hi all, I am new to this forum so please be gentle :o … I would like some advice from the more knowledgeable people. I have £19,500 outstanding on an unsecured loan costing me £435.00 a month at 7.9% APR (about four and a half years left to pay), and £5,500 on a credit card costing me about £200.00 a month at 18.9% APR.…
