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Barclays and CCCS help please
I have my CCCS appointment on Tuesday but am scared now. Was reading another post about IVA (?) and it said you needed a disposable income. Is this true of the CCCS? Am getting really confused. I am doing the appointment on behalf of someone else who is currently out of the country (not by choice) and he has no disposable…
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Unofficial £1 savers' club
I noticed in the 2-quid savers thread that some people have a pot of 1-pound coins too. Why not put that in our sigs? I've got 11 of 'em so far. *goes off to hack his sig*
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OH's CCCS info pack has not arrived
My OH rung the CCCS helpline last week and the information pack that they said would be sent to him has not arrived. He's at work so he can't ring them for the next few days (he works a shift pattern) but his appointment call is the 15th. Does anybody know what information is in the pack and I can make a start getting all…
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Record number declared bankrupt
Just been reading this on yahoo and thought I'd post it here for others to read! I'm not a great expert on bankruptcy but it is an interesting read! http://uk.news.yahoo.com/04082006/344/record-number-declared-bankrupt.html
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Credit Repair Help needed Please
Ive just got my credit rating from Experian and it shows me in the very poor catergory for a credit score. There are no defaults, or CCJ's showing, but i do seem to be showing a lot of 1 status's for late payments ? Is there anyway i can improve my rating ? Can i get any of these late things removed ? IE one lender shows…
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why do i feel so skint
hi i have been having this problem for a few years now and i am feed up with it i have at the moment 110 in my bank 60.00 cash and 90.00 to come again on wednesday and every wedsnday after that all i have to pay out of this is fags but i feel like i havent got anymoney even though i have the kids want to go to the seaside…
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settled account CRA
Please can anyone advise me as to whether closed accounts should still show a credit limit? I closed my barclays account 8 months ago and it shows as settled but with the credit limit as it was before. Other closed accounts do not show a credit limit. It took quite a long time before they would mark it as settled. Thank you
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HSBC didn't close my account when I told them too!
Hello Just need to run something by you guys to get some thoughts and ideas. I originally had an overdraft, which HSBC that they then turned into a managed loan at £50 per month. This was being taken out of my HSBC account each month (by HSBC). I started a DMP through CCCS in March 2006 (due to all my other debts) and…
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Considering bankruptcy - I'm at rock bottom
Hello to everybody, I'm new here, so please be gentle with me. I'm at the end of my tether, not sure which way to turn. The worry and stress of my situation is now making me ill and affecting my whole life. Basically I am in 68K of debt. I'll give you some brief background history so you can understand how I've go to this…
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Being bothered by MANY baliffs - advice please?
Hi all. Well where do I start, I'll try and keep it short... Basically about 3 1/2 years ago I was a student at uni and whilst I was there I opened a student account with natwest and paid my student loan into it. I had a personal account with Halifax into which my wages from my part time job went. I made the mistake of…
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6 year default not gone - Equifax
Hi everyone, I am new to this site and was wondering if anyone could give me any advice. I had a default that was settled on 2 August 2000. Experian have removed it but Equifax have not. I have phoned up and the woman said phone back next week? I thought they had to be moved after 6 years.
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Scary! My SOA
Hi All! Well, here goes, this is my SOA. I already have an idea of some changes I can make but would be grateful for any advice. State of affairs Date: 3/8/06 Monthly income: Salary £923.87 (incs deduction for travel pass) Tax credit £191.47 Child benefit £69.80 Maintenance from ex £100.00 Avon sales £50.00 (approximate)…
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Stupidly in debt and need help to find best way out please!
I have read the threads on this board with interest and would be very grateful for any help you can give to me. After a previous good credit history, I have spiralled into debt quickly after a 4 month illness during which I stupidly put my head in the sand where my money was concerned. My position is not the worst in the…
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Major problems, help please
Hello, I have a bit of a problem, debt. I am at my wits end and need to get it sorted as soon as possible. The problem is as follows, I have raked up just over £30,000 debt. My outgoings are more than my incomings and I need help. My wife is totally unaware of the position I have got myself in and I would like to keep it…
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Bad DFW day yesterday
Hi all, Just as I was feeling really on top of my finances i've had a major set back. On a roundabout yesterday an elderly man decided to plough straight into us, luckily me and DS are find but car doesn't look so good. He must have been around 90 had no idea what he was doing, and when he got out he said "that's the…
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flamming MBNA
ive jsut had one of there rep's on the phone i was able to up my payments to my creditors from the 1st of june so i requested a review from the CCCS, anyway MBNA were thrilled as it almost doubled their payments well the 1st of july i had some financial problems not as much in pay due to sickness not being paid etc, anyway…
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Had responses - not sure what to do now ...
Finally had responses from virtually all of my creditors after sending them pro-rata offer letters myself. Barclays - for my loan & overdraft they have said my proposals were not acceptable and passing my debts to a debt recovery firm (havent heard from them yet). Barclaycard - have cashed my pro-rata cheque I sent them,…
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Did my first 'budgeted' shop last night..
cam to 94.31 eek! Shopped at asda. £6 of that is coming off the clothes budget because we bought som babygrows for our daughter. So 88 quid on groceries. Bearing in mind we bought shed loads of toilet rolls and washing up liquid and washing powder that will last us for the month. Also loads of nappies. A lot of household…
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Money Saving Spreadsheet to use in addition to Martin's
Before using EagerLearners tool, read the article Budget The MoneySaving Way (which includes the full Budget Planner) Hi all, I have designed a spreadsheet to be used to monitor your spending once you have done Martin's excellent budget planner. This is like Part II if you will... This works in Excel or OpenPages and also…
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WOOO HOOO! Under 20k! First Milestone gone.
As of 00:01 this morning, I am now officially under the 20k mark! Woooooo Hoooooo!:jump: That's the first major milestone gone. :beer:Now on to the next one - 15k and under! Ahhh! :eek: miles away, but dammit I'll do it! :)
