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Lowell Financial (DCA) possible Sky debt?
Hi guys, Althought not really a DFW, I wondered who might be able to help with this... First of all I've read the thread on a similar topic and although I don't have all the details yet I'd be interested to hear how you think we stand. Background: OK, my partner left her boyfriend in March 2003 and moved house from…
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Should I pay it off in full ..... now
Right, I have sat down and updated my snowball and my remaining monthly outgoings and income etc. I would normally be paying my credit cards off as follows under the snowball: £101.73 off capital one card #1 £6.84 off capital one card #2 £8 off barclaycard £12 off monument card However, on capital one card #2 there is a…
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Lowell Portfolio I
Hi I had a debt with Cetelem that we were paying via our CCCS plan. I have just received a letter from a company called Lowell Portfolio I saying they have bought the debt from Cetelem (or Cetelel UK as they misquote it on the letter). Cetelem were hopeless at trying to negotiate with, they made things very difficult and…
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Opening a Basic Bank Account
Hi, The CCCS advised me to get a Basic Bank Account. Can anyone tell me how to do this when the NatWest Bank said they couldn't open one without me having a passport, driving license, benefits letter or book, pension letter, or bus pass? I took with me loads of what I thought would be ok - birth certificate, marriage…
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Just wanted to say...
... I think you are an amazing bunch of people. Some recent threads have been heart-rending with people in desperate situations but you always rise to the occasion with compassion, support, practical advice - real help. It's a real privilege to be able to be part of this community. :)
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Charged for the “Privilege” of being a Lloyds customer???
H E L P!!!! I have been a customer of Lloyds bank for nearly 30 years and in October 2005 the account manager in charge of looking after me, automatically changed me to a Platinum account as one of their "privileged" customers. In reality, due to circumstances at the time, I required quite a substantial overdraft facility…
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Another Letter ...
Well what a morning If anyone remembers i had a letter from Buchanan Clark and Wells concerning a british gas account that i didnt owe on .. which was sorted out but i have since recieved a letter from this company saying they would accept a settlement amount ! "i dont think so!" .. anyway this morning another letter…
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New to this site: CCCS?
Hi all Have been reading lots of this site recently, as my partner and I have a fair bit of debt. Through not fault of his own, he has been made redundant 3 times in the last 4 years and been out of work for several long periods of time during this. I work part time, had 6 months off last year on maternity leave and am now…
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Advice please for a debt free novice
Hi everyone, I've been lurking around the site for months, and this board for a few weeks, and am so impressed by the support you all proffer and what a warm bunch of people you are. It may seem a strange time for a first post since I’ve at last cleared my debts, but I’d like some advice please. Although I’ve become more…
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How do we get out of this mess????
Hi everyone, I've been reading the posts on this forum for about a month now and I'm am heartened by the sense of community and the way everyone is so willing to help.... that is why I have finally plucked up the courage to ask for help/advice. First off, I'm 24 and married with 2 children (1 1/2 and 3) who I stay at home…
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My biggest challenge-selling my flat the DFW way!
Hello all. Laying awake last night, I have decided that the time has come for the biggest challenge I have faced MSE style. A quick update for people who are not familiar with my situation. Im off sick on long term sick leave after having a raft of hormonal problems and the potential startings of the big C ( investigations…
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New here - first post.
Hi everyone - new to the board so please be gentle with me! Have a DMP with CCCS. When we started it we were advised to open a new bank account with no overdraft facility, which we did. However, my OH already had a bank account into which we arranged both our salaries would go and all the direct debits for bills etc would…
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Hi been lurking...
Hi, Been lurking for a while, posted a couple of times though. Want to get rid of my debts (except student loan, that can do what it wants!). Avoided posting as my situation is nowhere near as bad as 99% of people here! So, here goes: Monthly Incomings: My salary 1650 (Net) Monthly Outgoings: Mortgage/Rent £411.67 (moving…
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Bogof?
Hi Gang,This is the first full month that my meal planning has been in action, and yesterday the months shopping arrived courtesy of the nice tesco man. Now, up to now, we've spent about £120 per big shop, which lasts us 4-6 weeks with far too many takeouts and top up shops thrown in!This month, the OH and I sat down and…
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OMG is this for real???
I constantly offers of loans and credit cards through the door, all of which go straight into the recycling bin after I've laughed at their 8% APR or whatever, but I just had something through which had me sitting here in open-mouthed disbelief and now has me furious and needing to vent..... It's an offer from Provident of…
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Feeling rejuvenated with DFW
Hi, I know it's not a tremendous amount but yesterday I paid off my Cahoot loan 5 months early (£300 left to pay) thanks to all of my efforts that were inspired by this site and it's members. Since joining in May 06 I have paid off approx £3350 from my debts and now have only 1 credit card left (0%) with approx £3000 on. I…
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Got to get my act together now - wake up call
With mortgage going up due to interest rate rise, I realised that in Sept next year my Interest Only mortgage is due for renewal (we intended to have 3 years to pay off our debts - eek!) and I had planned to change mortgage to repayment. which will up our payments by £300 a month! AHHHHHHHH This has given me the kick up…
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Second jobs
Good Morning all,:j Just wondered if anyone can help me at all? If i earn £160 approx on a second job how much approx will i get taxed on? Many thanks for any help x
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Copycat Challenge!!
I NEED TO RAISE £1200 AS SOON AS POSSIBLE (OR BY BEGINNING OF NOV AT LATEST) WAS JUST WANDERING IF ANYONE WOULD LIKE TO CHALLENGE ME TO SEE WHO CAN DO IT QUICKEST? THOUGHT THIS MIGHT SPUR ME ON:p
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What to do...
Well fellow DFW's I have a question this time :) I have a little sporty number of a car (£3000 when I bought it and oddly it's not lost a penny in value as it's a rare model etc etc etc - not that I knew that when I bought it nor did the guy selling it :) ) and OH has a Hyundai Coupe on HP. This is a thorn in my side as…
