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Change of circs do I need to tell WTC?
Hi My husband and I were just self employed a few weeks ago and recive Working Tax Credit on the basis that I work 40 hours a week on a joint claim basis on a very low income (almost non existant). We rely on Tax credits to pay most of our household bills at the moment. However last week my husband started part time…
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Relatives/Friends Who Complain But Don't Do Anything
Hey, Just wondering but does anyone else have friends or relatives who are in debt but complain but don't help themselves? My sister has debt and she's always complaining she has no money but she's always buying crap. We were talking about savings as i'm trying to encourage her to start saving some money for when she…
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T-Mobile Debt Collectors Help!
Hi everyone im in a bit of a pickle! A while ago i was rung up on the phone and was sold a mobile phone contract, whent he phone arrived i didnt like it and sent it back to which they replied it was out of the 14 days etc. so i rang up t mobile and explained and they said they would sort it out and i never heard form them…
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Help and Advice Please (SOA)
Dear all, I've been a member of this site for a year or so and only now as I feel lower than I have ever done in my life can I find the strength to finally look the problem face on, to deal with it and try and regain my life. I have a disgusting amount of debt which is the result of a divorce, a subsequent failed…
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Advice Please
I Was on a DMP over the past three years which is now paid off, but I still have a credit card with a £6000 balance, I was retired from my job due to ill health which threw me into the problems. At the moment I am only able to pay the minimum payment to my credit card as such the balance is not coming down, has anyone any…
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Hello everyone
Hiya This is just a quick post to introduce myself. I've been lurking around for ages but have decided to step out of the shadows. I'm posting here as I'm trying very hard to convince my boyfriend to join this website and thought that if there's someone he knows here then maybe... Just over a year ago he came clean to me…
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Defaults on Record - How long do they stay there?
I am a little confused. I have 3 Defaults on my credit record. Can anyone tell me if they get removed 6 years from date of issue whether the debt is settled or not? Or do they get removed 6 years after the debt has been settled?
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bank contact
hi I was wondering what i could do about phone calls from my bank. I have just taken out a dmp with cccs but have also recently changed bank accounts. My old bank account have been trying to contact me in relation to my overdraft, as due to their charges (£115) I have now gone over my overdraft limit. Can I advise them I…
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Advice from CCCS re bank accounts
Hi I thought I'd post a new thread about this as no-one seems to be reading my previous thread (refused basic bank account) :( I also thought I might post it on the Current Account forum but not sure if I'm supposed to post the same thing on two areas? Anyway - after various refusals for basic bank accounts I phoned CCCS…
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IVA - 6 months on
Hi, I'm six months into an IVA and have a couple of questions. My arrangement lists council tax as a £52 payment per months. This is over 10 months so it leaves me two months spare at the end of the year. Are the creditors going to want this payment or does the arrangement usually cover that? Likewise with water. At the…
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lightbulb newbie
ok here goes here is the situation im in at the mo! RBS unsecured loan took out in 2004 - 60 mnth term ends jan 2009 balance £5702.40 repayments £211.20 p/m (no missed payments). RBS c/c limit £1500 balance £1030 apr 17.4% (no missed payments) paying the minimum payment was £16 on a balance of £720. RBS o/d limit £1000…
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Unusual situation? Need HELP!
Hi My wife and I are in debt, an are getting to the point where although we can make the repayments we really need to stop the debts spiralling. We currently owe approx. 24k on 2 credit cards, 14k in loans and are paying huge interest on the cards (egg and alliance&Leicester.) We have lots of assets (15k car all paid for,…
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do bugets really work
hi i have tryed doing a buget but i cant seem to stick to it for example i have set a buget for next month but i need to tax the car and in my buget there is only 10 allowed for this so i would have to take the rest of the money from other things i buget for but then i wouldnt have that money to buy the things i need but…
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Advice please regarding a loan
I have now got most of my debts under control with the help of CCCS and I'm on a DMP. There is one thing that is worrying me that CCCS couldn't help me with. My husband took out a secured loan with a company in May 05 in the amount of 12,300, with an interest rate at 10.71%. We are paying them 167.00 a month the loan is…
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£1 token payments
Hello, I've read a few times that people have been advised to make £1 token payments to their creditors when times are tough, and they can't afford the full minimum payment. Can anyone tell me more about this please, and how it affects your credit rating etc. Do you get charged for not paying the minimum amount? thanks x
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Friend in need of a room
Hi, I've lived on my own now for over five years. Recently was let down by boyfriend and a few friends so they aren't about at the moment and I'm not keeping too well at the moment. Another friend (known about seven years), called me this morning to say he needs somewhere to stay. His relationship has broken up. I used to…
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got a job interview need help....
Morning My DFW friends, As some of you know I want to move abroad and this is more in the longer term. I came to a decision last week after attending my companies annual xmas conference that I cant go on working for a company that doesnt care about its staff anymore. The landscape for our company has changed dramatically…
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how much have u spent today? 30/10/06
ive spent the grand total of nothing today :j which is a first for me :D
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credit checks
i have about £3300 on a 10.9% credit card and want to switch it to a 0% balance transfer card. i have been rejected on 2 applications so far so applied for my expieran credit check. as suspected, it's only the mortgage account that is showing any problems and this has been back on track for about 3 months now. the credit…
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Help & Advice Required
I'll try and keep this as brief as possible, but have only just discovered this web site and need some advice please. Firstly, I've got myself into terrible trouble and my personal (unsecured) debts amount to £66K, spread over loans and credit cards. Although I earn a good salary (£40Kpa) I have been continuously living…
