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Had my DMP for a year now
And I've just worked out that I've paid nearly £10k off my debts. Although I've still got a long way to go, at least I'm on my way!
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Having a rough day - debt just rocketed!
Hi all, Having a frustrating day, and wanted to rant to you lovely people. I'm in the middle of divorcing my husband after he left me and year old daughter to 'get his head straight' - a process which seems to require moving in with an ex-prostitute and her 4 kids - and as I'm naming her in the divorce the court has been…
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Is this a good way to pay off our cards?
My husband and I have about $8,000.00 in credit card debt.The interest rates range from 18% to 22%. We have about $45,000 in a mutual fund for our retirement. The credit card payments are getting tight because I am laid off.We havent been late yet and are considering taking $8,000 from the mutual fund,paying the cards off…
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Claiming back PPI while on DMP?
Hi, I'm sure that this has been asked, but I can't figure out how to search (doh!) I'm currently running a DMP thru CCCS and just found my paperwork for a Lloyds Loan that I have been sold PPI on-I was wondering if it's worth me claiming abck the PPI or to just let sleeping dogs lie. Has anyone tried to do this? Thanks for…
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Which bank to use, advice please.
Hi, Payplan have informed me to open another basic bank account but can't be associated with my creditors, my creditors are as follows: Egg Halifax Natwest Capital One MBNA Virgin Is HSBC ok to go to?
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Cut Up Debit/Credit Card
So, Due to me having so self control i've cut up my debit and credit card. It's not the end of the world, i live with my parents so i can make my own lunch and i can walk to work. Just no going out for a bit. Oh wells. Anyone else killed their card? Matt
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Who's lending
Hi all,feeling a bit confused :confused: just got a letter from Payplan this morning telling me about their associated company who's lending,I thought Payplan were against taking on more secured debt. When we first contacted Payplan about our troubles,we told them about all debts and our mortgage,they knew we had a large…
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Totally Stuffed By Cabot Financial - What Next?
I sent off the letter requesting copies of the original loan agreement and details of when it was sold to Cabot etc enclosing as advised a £1 postal order for admin fees. However this morning I have got a letter back from them thanking me for my payment and would I please get in touch to arrange a regular payment schedule.…
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If you are reclaiming bank charges - listen to the radio now!
http://www.bbc.co.uk/radio4/youandyours/ It's on the radio in a few minutes (one of a number of subjects being covered) and if you are at work and can do this - you can listen live on your pc
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What to do?
Ok, i have mentioned this before, but have thought it through a bit more etc. Current debts: Egg Loan -£10,643.17 - 7.7% - 6 years left Credit card Barclaycard -£1,510.16 - 15% Credit card Morgan Stanley -£2,102.61 - 15% Credit card Natwest -£1,990.76 - 0% - soon to be 15% Current account (personnal) -£1,483.11 overdraft…
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Chuffed
sorry not quite the best place to post this but i am quite happy this morning im trying really hard for the 1st time in my life to save for something and i have fineally had some luck with Freecycle, this sunday we are going to collect a double buggy for when baby is here chuffed as we had just scraped enough to go buggy…
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Offering settlement to Barclaycard
Hi I have unfortunately personally amassed a large debt attributed to my former limited company which has now gone into liquidation (without going into details I used my personal Barclaycard to pay for a ltd. company bill and then discovered that the contract was in my personal name, not with the limited company-so I've…
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Notice of Default!
hi everyone, today i received a default notice from my car insurers saying i'm late with a payment when i specifically wrote to them asking for a new direct debit form as i've recently changed bank accounts. They now issue me with this default notice demanding payment and on top of that they want to charge me £25.00 to…
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I think they've beaten me...
Hi guys, I'm here to have a moan. I'm not sure if many of you remember me but for the last 6 months I have been fighting to get mine and OH's finances in order. I was getting there, but now OH has not worked for three weeks (he's self-employed and he can't find anything) and he's just received a letter from a solicitor on…
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What have you spent today - Weds 10/5/06
Morning... I'm aiming to spend nothing today - but kicking myself because I was one ingredient short for tea last night and by imposing a no spend today I'll have to wait it again till tomorrow... However, I think this is my best shot as the next two days will definitely hoover money! Edit: No spend blown as OH wanted to…
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Got my Experian file
So far I have got status 8 for Next, Capital One status 8 and also says partial settlement. :s I'm not sure what this means apart from the fact I paid off a smaller amount because it was bulk, I didn't think this would affect my score and it's not the only one:rolleyes: For the Next one it says balance outstanding in Jan…
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CreditExpert - why???
:mad: I took out the 30-day free trial with experian and cancelled it last week, a week before the trial was due to end. I got an email confirming that my membership had been cancelled so WHY have they taken a debit card payment of £49.99 today?????:eek: Have sent them an email requesting the reasons for this but would…
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9/5/2006 IVA Approved, I can now stop worrying
Hi everyone Just to let you know I had my IVA approved today all my creditors voted in favour of it, for those of you who don't know I have 27'000 worth of debt, and I am only earning £14000 a year so it was quite hard and difficult to meet my repayments. I got in touch with payplan who took me through my options and I…
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What have you done DFW style today?
Well i saw a piggy bank (collectors one) on e-bay - it was £14.99 but they wanted £6.00 postage -i mailed they seller said i really wanted it but could only afford £15 INCLUDING postage and guess what - they accepted - whoooo hoooo - hows that for DFW style eh?? ;)
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Firstplus nightmare
:eek: Trying to settle my firstplus loan don`t understand how they come up with the settlement figure always the same Took out £41k (i know wrong move) over 20 years (very very bad) i.e 240 payments of £483.74 at 1.093% a month i.e 13% a year (now 15%) this is killing ME !!! got a good wage rise & looking to swallow the…
