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HELP! Advice required by newbie
Hi everyone. Could do with some advice. I currently am in debt to the tune of 8K. This is split down as follows: 1. Barclayloan £1475 14% apr and 19 payments of £81 left 2. Mint credit card £3900 0% and paying £100 pr month 3. Lloyds credit card £2300 Was 0% but just gone up to 6%. Paying £150 per month. 4. Barclays…
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IVA vs DMP
Hello Just wanting a little bit of advice.... I had my appointment with CCCS on Monday and they said that they would recommend a DMP or IVA. Trouble is - I don't know what to go for. On the DMP they will take £311 per month and distribute to my debts, but this will take 10 years!!!!!!!!!!!!! or With and IVA it will take 5…
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Happy Birthday Martin!!
Nice hat though!!
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logging on/posting...where do i complain/comment?
A number of times.....(since the upgrade it seems)......I have logged in and done a reply to a post only to come to post it and get the message box that I'm not logged in.....yet the 'you last visited' time is when I've logged in??? Paging back or whatever doesn't work and what I've spent an age (it seems) typing has been…
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I Dont Believe It
Well the other day i declared my self debt free well im not ive been telephoned by capquest who said i owed £3k bloody nora to who said i ?,to bla bla says she, well i dont says i, yes you do says she, and the interest is pileing on,du du du, well tough says i becouse that debt was cleared a year and half ago no it wasnt…
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No idea what to do?!
Hi there, i am hoping some of you might have some useful advice for me re a mess with my previous car insurers. When my policy came up for renewal in march, i found i was suddenly being charged double following five years of pretty much the same rate. So obviously, i shopped around, got a better deal, and duly informed my…
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Please help me with my debt!
Hi, I borrowed a sum of £5,000 from Natwest in March 2004 with 9.9% APR. Like a fool, I also opted for Loan protector insurance which came to £1,291/- :sad: . On top of it, I had to pay bank charges for the loan which was £1,635/- All together total amount repayable to Natwest was £7,926.60/- Since then (mar 2004) I was…
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sorry to bring it up but i really need advice!
hi all i can see some of you are clawing back charges from banks etc are these creditors whom you owe money too? i owe the hsbc and they are being complete gits! they keep slamming charge after charge on me even though im paying pro rata payment through the CCCS the irony of it all is at the bottom of the threatning…
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Rant - please excuse me!
Hello I hope you don't mind but I'm having a day of it and just wanted to have a moan........ I have just moved house, am feeling very broke and realised (yes I know its my own fault) that I have years before I am out of debt. My friend visited at the weekend and proceeded to tell me how I should decorate the house and buy…
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CCCS Advice
Hi everyone! Sorry if im repeating a thread but Id just like some advice if possible. Im in contact with the CCCS, have my longer phone call next Tuesday. Im in alot of debt and am hoping they can help, but it all just seems too good to be true, the though I may be debt free in a certain amount of years makes me…
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Decent paying 2nd jobs?
Are there any decent 2nd jobs about? How much do you get taxed on a 2nd job? Say you worked 10 hours a week at a 2nd job and got paid £5.50 an hour then how much would you take home after tax assuming you did 40 hours a month? How much do places like Aldi and Lidl pay an hour? Heard it was quite a bit more than the other…
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Inspired Debt-Free Wannabe
Hi, I wanted to start my own thread so i can post and update my progress as i go along, after viewing so many threads before signing up, it has given me so much advice, inspiration and hope that there is 'light at the end of the tunnel'. I will be updating on mine and my partners progress as we pay off our debts so we can…
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How Much does its cost to pay in CCCS at Post Office?
Have got my first payment to make to CCCS view the Post Office and I understand they charge you (Post Office). Does anyone know how much as want to make sure I have enough on me. Thank you
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Wow-it's happened
Well, logged onto https://www.insolvency.gov.uk and did a search on my name, and there in lurvely black and white, it shows I'm discharged from my bankruptcy. And thus finishes one of the hardest years of my life, whilst also being very strange. The stress leading up to the bankruptcy was awful, but during it, it was…
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What to do next about false CCJ?
Hi All, In 2003 a debt that my Mum had accrued appeared on my credit report in my name. She had to pay £20 for this to be transfered into her name, and then paid the debt in full. However, on checking my report from MyCallCredit today, this debt is appearing as a CCJ still in my name, which is of great concern, as i am…
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Debt Reduction Offer?
I am currenttly paying my 3 credit card companies very small amounts on my total debt of 15k, due to problems with unemployment. There is a likeleyhood that I may be able to get hold of 10k. Would the credit card companies be prepared to accept this as full payment (my current payments will never let me do this) ? If so…
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Debt management company advice please
Have been in touch with a company regarding my debt as I am 60 pounds in the red each month. This comapany will reduce my debt to 441 pounds a month for 4 years by contacting my creditors and making an arrangement with them. The debt management company take 64 pounds from the 441 as their payment and the rest goes to my…
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quidco?
Can someone please explain quidco :-S Thanks
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CC2 Paid Off
Hurrah paid off CC2 today before end of 0% offer.... Gonna cancel now and free up some credit!!! Am feeling v. happy :j One down, one (big one) to go :eek:
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What am i entitled to
https://www.entitledto.co.uk I have just looked on the above website to see what benefits I am entitled to, when I have put in my details it says I may be entitled to extra tax credits as my husband is in the Territorial Army. Does anyone know how this works as it doesn't go on to explain anything else just that I may be…
