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cccs - how long to set it up?
Hi, i think i might have to throw myself on the mercy of the CCCS and hopefully set up a DMP, but i was wondering how long will this take and what do i do about the payments i can't afford to make in the meantime? Advice appreciated!!
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Serious Advice Required Please!
Hi everyone I've been a recipient of moneysaving expert for a couple of years now but have not posted threads before. Anyway, my husband took out a business loan last year & the long & the short of it is the business failed and now we owe £32,000. At first we contemplated taking the money out of the house to pay back the…
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1 step forward,2 steps back......
So I've been feeling generally pleased at the way we have been getting our debts down, although I have had to recalculate our total debt as I did not include £2650 worth of overdrafts! Anyhow, we currently rent our family home out and have tennants living there whilst we live in a (cheap) Forces married quarter. Our…
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0% transfer or not? Please help.
I have had my Halifax One Visa statement yesterday - balance of about £1850. This is on LOB rate of 6.9%. They have also included a form if I wish to transfer another credit card to this account at 0% for 9 months. I have about £3,000 limit that I can use. I have M&S card with balance of about £1100. This would be good to…
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What have you spent/what will you spend today? 21 June 2006
Morning all I always seem to day I am hoping for a no spender and never manage so this morning I am not going to omen it by opening my big mouth and we'll see if that works!! Have a good day everyone.
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credit unions
New thread and a new thought - don't know how many people have come across credit unions - they are basically a finance co-operative. The provision varies a lot across the country but if you have one in your area they are worth looking into. I have been involved in setting up and running a credit union in my area for the…
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Could I lose my job? - SOA included - pls read
I had my lightbulb moment a few months ago, I have put it off but due to a change in circumstances I no longer have any choice and will have to enter into a DMP or IVA. I will be ringing payplan tomorrow morning but i'm terrified that I will lose my job. I work for the Police as Police staff (civilian) and in my contract…
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Split the bill or pay for what you had?
Sorry if this is in the wrong section - I'm still trying to get the hang of this forum - but this IS about overspending... in a way: I had lunch with a mate today. I ordered a light meal and shared a bottle of water with him, while he had a big expensive main course and got a smoothie as well. When the bill arrived, it…
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Advice Experts List
Hi peeps! :D I thought this might be a good idea. :idea: If you have any expert knowledge in a field ie, you work for debt collection agency, a debt management company, credit card company etc, and your willing to offer your expertise then maybe you'd like to add what field you can offer help in! :confused: Now obviously…
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Thankyou all!!
Thanks to all the good advice from you all on this site I have today received a full refund of my bank charges for the last six years plus interest to the grand total of £1520!!! Brilliant! Will go a long way to paying off my debts Thanks again Elzie x x x
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Credit check warning
You're probably all aware of this - but it came as a bit of a blow to me. I recently phoned up a company that deals in secured loans. I wanted to know what sort of interest, payments etc etc I would be looking at. They asked if they could do a credit check and I said yes, figuring one more foot print wouldn't cause much…
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Please help me! I dont know what to do!!!\
After reading several threads i have decided to start my own! Here we go... I am 19 and currently in college full time, when i left school i got a well paid job with natwest and even tho i was earning a lot i took out a loan for a new car and an overdraft for £1200. At the moment my debts are: Natwest Credit card- limit…
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dream the impossible dream......become Debt Free!!!
Really just to give you a boost and to let you print out the Lyrics and sing along! A bit daft but what the hell.:A :A Becoming Debt Free aint easy, this song should be our anthem:beer: :beer: To dream the impossible dream, To fight the unbeatable foe, To bear with unbearable sorrow, To run where the brave dare not go. To…
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Time to join in - here goes
Hi to everyone of you wonderful, friendly people on here and what a good job you are doing. Like so many have already said, I have been reading this forum for a couple of months, am in such a mess and its making me ill now so here goes; My debts total £39000- 1 bank loan and 2 credit cards and it has got to the stage where…
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Letter to my creditors, call from my DMC. Worrying!!
I have made a 1st draft of my letter to my creditors, could anyone please take a look at this and give me any useful basic advice which would improve it. Thanks in advance.
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Help, it's all come back to bite me in the ....
Hi all I’ve just recently found this site and it seems full of really usefull info, the problem is the more I read the more questions I have, so bare with me please. About 5 years ago, accumulated quite a large amount of debt (credit cards / Overdrafts etc), I’m not sure but I think it was around £5000. At the time I was…
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Many Thanks.......
Many thanks to all the people who posted helpful replies to my posting on Sunday. I have already done a couple of things suggested like cancelling the washing machine insurance, loan guarantee......etc. I have also spoken to CCCS, and have found them very helpful and not at all judgemental. I have a phone appointment with…
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Advice: Should I remortgage
Hi Folks, Currently I owe around £18k on credit cards & 7k on a loan. I purchased a house a few years ago, that was in a poor state & stuck most of the cost on CCards. My income is only £17k a year.....so paying the min payment is the only option, indeed I have quite a few late payment charges of late. I`m maxed on the…
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Just a few (dumb?) questions.
Am currently in the process of writing to my creditors, but have some silly questions at the same time and would be grateful if anyone can help. * What Am I allowed to discuss with my creditors while still with my DMC? * As I am with a DMC, how would it have affected my credit rating? * As I cannot obtain any credit while…
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Can credit ratings really exist?
Nothing in the world exists like it, no-one else knows where ive worked, who ive had fights with, what ive stolen from, who ive !!!!!ed behind whos back, and so-on so why do we allow a bloody register of failed debts when I can PROVE i pay all my bills nowadays and my only credit is higher than a loan sharks rates! I…
