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IVA help please
Hi My OH has some substantial debt (over 20 thousand) and we are considering an IVA. One of the debts is for around two thoussand for an OD which is in both our names, however the rest is all his. If we proceed down the IVA path, will I have to be named on it too, as my credit rating is improving and this will just stuff…
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Best way to manage overdraft
Hi everyone, Ive been creeping around these forums for a while taking in all the advice myself and thought Id ask for some advice regarding the best way to manage/pay off an overdraft on behalf of my girlfriend. She has an £1100 HSBC overdraft (currently at 0% interest) which next month they are changing to a regular…
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Mrs Js Debt blog
Hi All, I've been lurking for a bit, but have decided to join in. I'm in debt, but I have a regular income and a solvent partner, so with some hard work and a few sacrifices I should have it cleared some time in 2008. It's just really frustrating being in debt, with my income (which isn't huge) I should be able to go out…
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Full & Final Settlements-anyone negotiated with these guys?
Hi everyone, I have been reading the posts about F&F with interest - I have a DMP with CCCS going back four years or so and a lot of my debts are over six years old (head in sand syndrome im afraid!) A combination of some inheritance money and a bonus at work have left me with quite a lump sum and I am seriously…
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Bankruptcy - Got a few questions.
Okay - as (some of) you guys know, Payplan suggested we go bust. We are still fighting it. Mainly because I don't really want someone going into detail about our affairs (financial!) and I don't feel comfortable with that. I don't like this being "probed" feeling. :confused: So all the chats we (OH and I) have had have…
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Funny things happening with Lloyd's Accounts
Hi, Has anyone been having any problems with Lloyds lately? The account which all bills get paid out of had recently has 2 DD/Standing orders cancelled NOT by us, and not by bank (so they say!) one for Scottish Power and 1 for Scottish Provident. This concerns me for quite a few reasons 1. We've had identity fraud on this…
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Advice on bad crdit report?
Hi is anyone able to advise me on things to do with my rubbish credit report? I am pretty much afloat at present, and repaying any debts as agreed, and working my way slowly out of the red and into the black. Unfortunately in the past I wasn't quite this good with my finances, and so I am paying for it now. I have…
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Reclaiming bank charges in Scotland
I thought I would open up a new thread for this. If you are in Scotland, its different from England/Wales. The limit here in Small claims is £750. There is the summary cause option between £750 and £1500, this is different and is more for legal folk. Small claims...some have suggested putting in all claims at once but the…
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I know it's a bit early but..... DFW Sunday Night Party anyone?
Afterall we did win:j :j :j :j , and I did only have to do 10 mins on exercise bike to achieve it (penance for being lazy mare is 10 mins per England goal!. Not proving too challenging unfortunately). Anyway, have just poured myself a glass and am off to have bath and wash hair. Hope lots of you here when I get back!!!!
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What have you spent today, Sun 25th June?
Just needed to start this off again so that I can record my second no spend day in a row :j Hope everyone has had a successful moneysavingweekend too?
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the update
well today was the day i told the family ..that's it we need to talk:eek: i sat them down and explained the whole situation showed them all the figures etc and asked for help in solving the problems ..the son has agred to give up singing lessons saving £20 a month:j but did aske that he kept his £5 a week to see g/f ..now…
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The motivational thread
Anyone else noticed how the boards have been quieter lately? And that a lot of people are having a bad time with blips, bumps and general boredom? We could start a confessional here - list your sins, DFWers! - but frankly, I think we'd all be trawling through the posts for hours and getting more and more depressed at what…
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Paying off Debt Management Companies when someone dies?
Hi Does anyone know if debts with Debt Management Companies need to be paid off when someone dies? We have a family situation whereby an elderly member of the family who is dying has a lot of debt with a DMC (Gregory Penn, I think). The DMC has been contacted and have assured us that the debts will die with that person as…
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Update: My first month as a DFW
Well its been a depressing yet enlightening month, the annoying thing being I went £100 over my budget. (this went on my lowest rate CC to avoid going over overdraft). Even cutting down on beer I spend more than I thought, I cut back and still spent £35 and I also spend £35 on smoking. I have asked my OH to buy his own…
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Really, really need some help and update!!!
Well to those of you that helped me last time, thanks and if you wondered where I dissapeared to, my ex came to the house whilst I was at work and took the PC!!!! Left my ring in exchanged!!, I know I could have gone to the police, but got too much on my plate anyway!!! Just got to concentrate on me and my daughter.…
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First timer
Hi everyone Just joined the forum weve been reading the threads over the last few days and decided to join up. We had our lightbulb moment about 3 weeks ago and are still in a state of shock about how much debt weve racked up over the last 10 years but weve made a start and had our first car boot today and raised £220:j…
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I Feel I've Lost My Way
Hi gang. Haven't been on the forum much recently,not even to read from afar. I feel like a sham. I've not exactly gone mad and gone sprinting off track but I do feel a little lost....and a bit depressed as well. The car had yet another problem last week which gave us an unexpected £120 bill. I guess the plus side is, my OH…
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can they do this?
hi there, me and my girlfriend have a joint mortgage, I'm currently on a DMP and i think one of my creditors will try and go for a charging order on our property, but, could they do this as the loan is in my name only:confused: where as the mortgage is in both our names so therefore would they be able to do it? any help…
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Debt Management Companies
Ok, My first post is going to be a little rant about Debt Management Companies. Sorry if I offend anyone in the text. Are agencies such as Spectrum, Greg Penn regulated much. Working in Debt recoverey i notice on a lot of occasions that the debtor has contacted their Debt Management Companies whom are 'acting' on their…
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claimingf bank charges??? explain please
ive been having a read on here about claiming back charges but i dont really understand... what constituates a bank cahrge?? etc sorry to be thick but could you go through it with me? thanks
