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Best way to negotiate debt?
Hey guys - I'm looking into negotiating my debts for a lump sum, on the offchance shop profit will not cover everything. What's the best way to basically say 'will you reduce the debt if I pay a lump sum of xxx?'. I don't want to carry anything forward to the next chapter of my life. Hope you're all good today, will ramble…
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debt buster challange for me
Hi All, I've now been self employed and since leaving uni 3 years ago, my current debts are as follows: Account Total Debt Notes Business Account 1232.03 Personal Account 977.68 Barclaycard Credit 2003.74 Repaying 100 per month Mum’s Loan 1500 Repaying 50 per month Total 5713.45 Some of this is slightly misleading, bearing…
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FAO shopsalot
hey there just a quick question. how do you transfer your loan onto an egg card? i asked if i could transfer my graduate loan and they said no. any tips?
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DFD confirmed! Not as bad as i thought....
Been here for about a month now (properly posting, not just browsing), alredy budgeted and taken cash only route. But todays surfing inspired me to look into each debt. SO.... I transfered a loan at a fixed rate to my EGG card - not BT! and no early repayment fees!:j I had already opened a virgin 12mth interest free last…
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help me reduce a bill
We currently have a Total Mortgage Protection Plan with Halifax that we took out when we bought the house in March 2003. Our mortgage is also with Halifax and as we were niave 21 year olds we didn't think to look around. We currently pay £46.73 per month which breaksdown into... £29.90 Mortgage Repayments benefit £8.71…
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what food do you take to work with you?
i always bring my lunch in from home, but fiond myself going out to get crisps and/or choc at 4pm. what do you bring in to last you a whole day? thanks.
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Newbie here. Love the boards; hate my debts.
Hi I'm new. Although I am actually a newly registered poster, I have been lurking for about 8 months. I will post my SOA later this evening or tomorrow (read as once I've completed it). I am a yound single mother on a low income, private renting, trying to complete a degree. My main debts are: a car HP agreement £110 a…
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Silly question.....
Hi peeps, This is probably a really stupid question but I will ask anyway! I am entering into a DMP with Payplan :j however this is the situation. I live with my partner in rented accommodation and we pay £750 per month. However I was wondering what chance there would be of getting a mortgage with my partner who is also on…
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Life After Debt - A Diary of a Debt-Free-bie
Hello! Now that I'm debt-free (as of July 06), I feel that I need to keep a watchful eye on my spending habits so as not to revert back to my previous DFW status! Walking about the local shopping centre today, I really had an urge to splurge especially as the sales are on at the moment! Fortunately, I had only paid for one…
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Does anyone want to go head to head?
Hi everyone I have just read Spamalot's great thread on her £3,000 challenge with her partner where they are competing to see who can clear a 3k debt first. I really like this idea as I am very competitive ;) and I think this would really help me to clear another debt. The problem is that I don't have anyone to go head to…
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Should I complain to my bank about this...
A few days ago i ordered a new debit card as the number were fading. I called up a CSA last week and she cancelled my old debit card and sent me a new one out. On saturday i received my new debit card, Consequenly i cut up my old one. On that saturday I went to a hole in the wall and went to withdraw out some money. I…
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IVA's - what happens if ...
If your creditors do not accept your initial pro-rata offer - as obviously if you go down the IVA route they would surely be offered the same amount. Has anyone got any experience of if your creditors have refused your pro-rata payments, but when doing an IVA have then accepted them? Trying to work out what my creditors…
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Help please! Advice about a debt collection agency and their solicitors!
Hi. My partner currently has approximately £160,000 in unsecured debts due to the failure of a business. We both work and are determined to try to repay the debts as much as possible rather than to consider bankruptcy (although it has crossed our minds quite a few times!!). We are slowly managing to pay off the debts but…
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Effect of debt on spouse?
Hello, I am hoping to get some advice for my Mum here. She married my step-Dad about 5 years ago and at the time knew nothing of how much debt he had but as time has gone on it's become apparent that he is severely in debt. He is in touch with the CCCS and has an arrangement with them but it seems he is still getting lots…
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Help! Debt collection agency problems
I have a debt that has been passed to a debt collection agency and made arrangements with them to pay a set amount on the 16th of every month. However they took the money from my account on the 1st and it has left me in somewhat of a financial mess. I phoned them and asked for a refund. They said not a problem but it might…
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OH and 34 yr DMP
Hi I am new and feeling low Where to begin, Cutting a long stort short, My OH has unsecured debt of £50k spread over 6 creditors. We have a morgage etc and are not in arrears with any of the priorty stuff, I am disabled and my home has been adapted to my needs, we have two dependant children. OH realised that he was not…
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NEW OH and 34 yr DMP
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bank charges...and loan ..advice please
hi.. just a question that maybe someone could answere for us please... bacically we had our own business when finished 2 years ago we were in business for 5 years.. but do to the lease we could not opt out so had to stick with it.... that's why we are up to our eyeballs in debt ... first of all i did not know the extent of…
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CSA, Tax Credits and Debt Problems! Anything else out there?
Does anyone else ever feel that when you work hard, abide by the law and do the best that you physically and mentally can that this world is not being fair in return? My ex-husband is declaring poverty to the CSA when it comes to paying for his only daughter. The CSA states that he does not have to pay a penny yet since…
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Have you visited here as a result of a Council Tax officer in Eastbourne???
I'm just curious as I've sent a few people this way whether anyone has actually visited!!! :D
