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Buying a car on a DMP
Hello, My partner is on a DMP through the CCCS and has been for the last 3 years, with 4 years remaining. He wants to buy a car and would probably need to take out a loan to top up what he's saved. I guess this isn't possible at all is it? For how long after a DMP is your credit in a bad state?
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how to pay more money off our loan
Recently I got a letter off the student loan company. The amount I owe is going up by about £250 per year! My husband has an even higher loan so his interest would be even more. Now I know the interest is relatively low, but with my reckoning we will be paying our loans off until we retire and beyond! When we get 'proper'…
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argh HSBC!!!!!!!!!!!!!!!!!!11
At the front of the guardian "Security Flaw leaves 3 million HSBC online accounts open to fraud" thats great isnt it, i've got all my savings on my HSBC online banking, Also they faffed up my pin numbers last week :mad: :mad: [/rant]
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Bankruptcy or insolvency
I have a £6000 credit card debt which I cant seem to shake off I've been through several 0% balance transfer offers and the last one I tried (MNBA) refused me With rent MOT, Tax and insurance all due in September I'm seriously on the brink of throwing in the towel. Bankruptcy or insolvency? I dont know which road to go…
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How do I help my friend?
To cut a long story short my friend has got herself into £70k of debt over the last 8 years. She is a full time mum to 4 children and her husband earns around £30k per year. Their house has increased in value over the last 8 years, so some of the debt has been added on to the mortgage. They also have a secured loan. After…
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I know where I need to cut down.... but I can't!
Hi all, I have been a member here for a few months now and have made some good money saving moves, I feel a lot more in control of my finances and have a clear plan to get out of debt. I currently have £400 a month left over after all my bills and savings (to pay off debt and to cover annual expenses) are covered. Now,…
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Help with bank charges a weird Q please
ok after my 1st letter they have sent a full refund in gift voucher. This is for Studio cards and gifts. Cash would have been nice but im happy with the vouchers. These charges were added to my hubbies account and a default was given. Now im thinking if theyve refunded the charges in gift vouchers should they remove the…
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Has Anyone Sold Up Then Rented To Pay Debts
Hi We are seriously considering selling our house and moving to a cheaper area to rent with no debts left. Has anyone else done this and then gone on to get a mortgage a few years later once their credit rating has recovered ? We hate the way the town is increasingly populated by teenage yobs and their baby mums. Having…
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Financial mess!!
hi, thank you so much for everyones positive messages - despite spending over £800 at supermarkets this month i do make a meal plan and a list but then it goes pear shaped and we pop in if we don'f fancy what planned!! i also have afreezer full of meals i've cooked but often just buy something else so a more focused…
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The ridiculous lies baliffs tell! (Capquest anyone?)
Right, I got a letter from 'Capquest on behalf of HL Legal' asking for £306 (and if I didn't reply in 7 days, £100 in legal fees). I didn't reply for almost 3 weeks as I was on holiday for a week, then I spoke to my solicitor. The debt is the result of a girl I used to know going into the branch, pretending to be me, and…
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Consumer act 1974 and early repayment.
Evening :) We are trying to make an early repayment on a loan (4 yr loan with 2 yrs left to run) in the agreemant it states that they will charge interest first, then any changes related to sections 2(c) and 2(d), followed by the actual sum borrowed. 'Fair enough. However, they want us to pay a full insurance charge with…
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Not sure i've done the right thing, secured loan
We decided that we didnt want to move house and leave the property ladder, so we have taken out a secure loan, we know that means we pay less each month but over more years but are hoping that in 5 years time with extra payments to our mortgage we will be able to remortgage and become debt free that way. I'm wondering if…
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My extreem money saving for the week LOL
I've caught a cold... and uhmmm I'm bored... Well daytime TV is sooo boring. I have calculated that by being off sick (on full pay btw) I have saved: Fuel £6 per day Lunch £3 per day Other food £8 (couldn't eat at all early in the week thanks to sore throat) So that's a massive £35 saved this week heehee!!!! :rotfl:…
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Messing with MBNA's head
Have just got off the phone with MBNA. I was sitting at home when I got a phone call . I have caller ID and it was blank and it was some woman in a call centre in India saying that she was calling from MBNA about my account and could I verify my details. Thanks to a post I read a while ago, I refused to verify my details…
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Leter From Mbna
i sent the nice people at MBNA a letter last month asking them to STOP PHONIN me 11 times aday and only comunicate via letter here is their reply nice hay :)i sacned the whole letter , but the immage was a bit large so i only included the bit about the calls I got anter letter from "Global advantage " on behalf of mbna…
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Bank Charges - 6 years max question
sorry to bother you all again but something just popped in my mind... when I requested my last 6 years statements of charges from the bank to use for making my claim they sent me statements from the 1st may 2000 to present date. The first charge on my schedule attached with my LBA was applied on the 31/05/2000 now that we…
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Quick Question - Food Budget?
Hi, Just trying to get my finances into order, i was just wondering if anyone can give me a rough idea of how much i should budget for food? Its only myself and my other half. We're also hoping to start taking packed lunches to work as well. I know everyones different but i just need a 'rough' idea. Thanks :T
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OMG - Ive just been sent to DEBTORS PRISON.
Well... Most know my issues and struggles and we are at the end and unfortunatley are filing for Bankruptcy. Some one has posted on my diary that they possibly should bring back debtors prisons... They were abolished in the 1700's... No idea why he is looking at a debt board, perhaps he is the debt police, or works for…
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Thanks a lot
just a quick update for anyone who remembers me I was thinking about concolidating but have now had a miracle happen. My OH has just got a job as a dustbin lorry driver earning £300 per week!:beer: we have phoned everyone we owe money to and arranged new payments to start next month when he gets paid. I also went on to the…
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When Did I Upset Karma Gods So Much- HELP
Only 2 days ago I put all of my money woes on here.... had a couple of people reply but basically we have outgoings twice what our income is and to pay off just the loans would take 14 years even with snowballing. So the upshot is we are now looking to up sticks, sell the house, pay the debts and start all over somewhere…
