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IVO Advice
Im not sure if its an IVO or an IVA but hey you get what I mean :) At the mo Im on a DMP via CCCS my debt free date is years off, an IV what ever was recommended to me at the time my DMP was sorted out but it wasnt an option because my hubby was not a where of my level of debt and also we have a joint secured loan. I have…
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Just need some TLC......
Feeling very down today, nothing seems to happen fast enough. Just had words with OH because I am down. Sometimes I feel in a catch two situation, can't get the house done to sell, because OH is at work long hours to try to service our debts. Because of our ages I feel the next 5/6 years will be spent trying to pay off our…
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Claiming back bank charges?
I have read in a few threads about claiming back bank charges. It there a thread anywhere that explains this in more detail ie. what charges can be claimed back, for how long and how you go about it. If there is can someone redirect me? If not can someone answer these questions please.
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Harrassing phone calls
Hi guys, OK I have my BR date at the court for 30th August. I have been getting many phone calls on a daily basis to both my landline and mobile (inc. texts!) - it is causing me a lot of stress at a time when I am already stressed and have had to visit the Drs and been put on anti-depressants. I wrote a letter last week to…
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Bankrupt owes money?
I have a friend who was bankrupt about 15 years ago. Creditors have recently written to him demanding money. How is this possible? I thought all debts were cleared when someone is declared bankrupt.
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Fredrickson - Amatures
Well, now my Capital One account has been passed to a 3rd DCA who are Fredrickson. They want £2400 - this is mad as I had 'only' spent about £2k on the card when I started getting into trouble paying it. So received a letter from them yesterday and sent it to Payplan as advised (not sure why F are dealing with it as they…
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first appointment with CCCS - a DMP is is really that simple
hello all firstly thanks so much to all of you who took the time to read and reply to my first post- those of you who are currently lurking please please please bite the bullet, tot it all up, wirte a post on here and give CCCS a call, the longest journey starts with one small step and believe me you will feel better !!…
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What would you do?
Hi Everyone!:j Will make this short and to the point! Made Redundant 2003 5 credit cards, 2 loans went into a DMP, all payments on time! Oweing currently £15,000 OH expecting our first baby!:j :j :j OH debts are currently £13,000 No defaults no bad credit what so ever! OH will be out of work for maybe 3 years Should I…
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getting paranoid re: reclaiming bank charges
Hiya I have been doing the rounds with challenging my bank (barclays) to pay up the unfair bank charges and have finally done the moneyclaim online. I did it about 4/5 weeks ago and 2/3 weeks ago (ish)the bank told them that they disputed it and they have been given 28 days to file their defence. I think it is almost that…
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My Bankruptcy
I have been reading through some of the threads about debt and thought it would be interesting to get your view on my bankruptcy. I went bankrupt early in the year due to student debts of about £33,000 and an insolvent business. As a student I did not go wild on the spending but I did have a social life. When the business…
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Egg default for £5.81?!
I received a letter about a month ago saying my online Egg credit card had a default notice on it as I had an outstanding amount for £5.73 on it. I thouht I'd cleared this account ages ago but made the payment (regrettably forgetting to print out a payment confirmation). Since I thought I'd cleared the account is the…
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Can I get defaulted twice for same debt?
Hi everyone My first post here, been reading this forum alot over the last few weeks. Im in the middle of reclaiming bank charges and trying to clean up my credit file. I had a credit card with TSB who defaulted me on it and it was passed to a DCA. I wasnt informed this was getting passed and since getting my credit file I…
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Mbna – Rude And Bullying Tactics
MY OPINION – MBNA – RUDE AND BULLYING TACTICS I just received a call from MBNA. They informed me of my debt (which I obviously knew). I then told them I was with payplan, at this point the obnoxious Irish man (I only put the Irish bit in just in case in rang any bells with others …I am not anti Irish… just had to clear…
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new to site
Hiya, Just want to say this is a great site, i think iv been reading it for about 3hrs! Yes i too want to get out of debt asap, iv just asked the cccs to contact me with hopes of helping me get out of this sticky situation. So here is a list of my debts. Car Finance £9879.50 £226.50 Barclays Loan £7289.31 £150.00 Provident…
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I love my snowball
As some of you know I have a lot of debt to deal with, about £80000 without the mortgage (£60,000). I know loads of people will be using the snowball tool already but for those who havent or those who waiver when spending money... go have a look. Basically the snowball shows you the best order to pay debts off in, the…
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Goals for week: 20 August ... here we go again.
Last week: http://forums.moneysavingexpert.com/showthread.html?t=243596 Does this count as a disastrous week? * Continue with spending diary. This week's maximum is £100 for everything -- Pass-ish. If we ignore the young person's railcard and a new pair of shoes to replace the 4-year-old pair with holes in, general…
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New to this board..need help..pleeease!
Posted on mortgage board and got some really helpful advice yesterday hence i'm, here! Am an overwhelmed single mum of three with four jobs and no money...not quite sure why???? Anyway have huge £100,000 mortgage thats going up and up and just consolidated £10,000 debt with Lloyds :mad: ( i know ...even a nightmare with…
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Hurray, £10 a month saved!
I know this is not exactly the newest idea, but I just thought I'd post quickly to encourage other DFWs to try what I've done this week: reduced my basic mobile cost from £15pm to £5!! Basically, if you're out of 'commitment', i.e. your contract has expired, this is worth trying. I rang up and asked about switching to PAYG…
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Using Moneyclaim
Evening all, hope you are all having a pleasant weekend ? its great that the footy season has started again :beer: can somebody please direct me to the instructions of how to file your calim with moneyclaim.com as I cant seem to find the "idiots guide" anywhere :rolleyes: Many Thanks Damian
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Kittee-Kat's SOA
Hi...I put a post on the loans board last week about whether it'd be better for me to get a loan to clear credit card debts. Now done my s.o.a if anyone can look over it and come up with some advice...plz ever so nicely.. I cant see how i can economise any more really,I don’t drink or go out and don’t drive a car (use…
