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Some advice needed
Just had a look at my credit report via https://www.garlik.com Have DMP with the CAB On the report checked my personal loan as I never get any paperwork on amounts and they no longer put the details on my internet banking. It looks like they have been charging interest as the amount owed is more than at the start of the…
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Debt Free Date
Where can i access the calculator thing that tells you the debt free date? Thanks!
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Change of Job While in IVA
I've posted this on another site that I read, But wondered if any of you had any views.. --- Hiya All... I've been in my IVA for three months now and all seems to be going fine, Nice to have a small amount of money left the day before pay day! When I started my IVA I was in a job that paid £8.25 an hour, But now I have a…
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unlawful bank charges
Hey guys dont know if im posting this in the right place but here goes anyway........ Over the past 6 months i have accummilated almost £1000 in bank charges and im guessing over the past 3 years that i have had this account that this would be.... and im just guessing about £3500.! How do i go about getting details of my…
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IVA agreement
Hi - I am 6 months into an IVA, When it was agreed i had a letter to say what each creditor would get, does anyone know if I can now contact the sand offer them a bit more than my IVA company and ditch them, as they are rubbish. Also, now that my accounts are being managed by this IVA company, do i have the freedom to…
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Aktiv Kapital
Hi, I moved abroad 3 years ago, left a forwarding address and all the usual stuff, but heard nothing from anyone. On my return to UK I registered with Equifax to check my credit score. My record shows 3 years without a payment late with the exception of aktive kapital. I found that apparently I had missed the last two…
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renting with a rubbish credit history and bad debt!!!
I am going to be moving in to a rented property on the 1st of january all being well after finally getting myself sorted and getting a payh rise soon hopefully, woohoo :D Anyway back onto the question. im 5 months into a DMP and credit is shocking, i cant even get a bank account with direct debit, so all the bills and…
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The Spikes' debt diary
Well as I've said in our SOA, Nathaniel doesn't want me to post details of our debt, but it's lossanlossanloassanloss :eek: Things have got out of hand and this huge debt has accrued over the last five years for a variety of reasons. On Monday we sent letters to all our creditors saying that we couldn't make our payments…
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Strange Q, but does anyone work in PR?
I've worked in Public Relations for about 5 years and I'm wondering whether I could do any freelance PR in my own time to earn extra money to reduce my debt. I can't earn any over time pay in my job (only lieu time), but wondered if I could do something on the side. I appreciate that I'll have to look into getting tax…
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House Exchange Holiday?
Hi, Has anyone ever done this and if so, what were your experiences? My Mom has very kindly offered to pay for tickets back to Canada to visit next summer but staying in her house for 2-3 weeks is not an option I relish (we get along SO much better when we're 3000 miles apart, lol) and renting a property was incredibly…
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I need a new buzz!
My boss has very kindly given me a temporary pay rise for an extra job I've started doing. My DMP is based on my regular income and my aim is to save the extra each month, then in 6 or 12 months pro-rata this against my debts. I have some difficulties with my plan: 1. I have an overdraft with my bank (which I switched to…
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How to increase your maternity pay
Hi I'm not sure if this is the correct place to post this info, but I hope it will help some of you on this board. (I'm sure someone will move it if required). Maternity pay is something people often do not look into until they announce they are pregnant. However ,statutory maternity pay is based on average earnings - but…
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Yay Congrats to Hubby
Its finally happened, My hubby has had his lightbulb moment :beer: I had mine back in April/May when he was out of work for 6 weeks, and have cut right back on stuff, and re arranged cards etc. It started flickerring last Sun when we were in PC World looking at a computer with MIL, and there was a display TV for sale at a…
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Time for change
I've tried hard to actually sort out my debts but there is nothing I can do about it. I earn £200 a week £200 - £150 for Mortgage = £50 £50 - £40 for petrol = £10 £10 - £10 for shopping = £0 and that is it! I £5000 in debt and I can't actually afford to pay a single penny back. :mad: I'm racking my brain trying to find a…
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I'm sinking now....can't manage the debt now...
Hello ;) I've had a read over some other post so thought now that I would post, cos I'm now starting to feel very anxious about the financial situation... My debts have been rising for over ten years and now I'm in a mess...... first I had credit cards, then got rid of card by getting a loan to pay them off, then started…
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Strange how things turn around!
This time last year I was wondering how I would pay for Xmas, if a credit card would be declined when we went to pay etc. How much was left on the catalogue and what I could order to pay 'later'. This year it's a month before, well a little more, I have nearly everything for the children bought, the money put aside for the…
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Yay!!! One less debt..it vanished overnight!! :)
Had some fab news today, when i moved in few months ago there was £100 debt on the gas meter belonging to my OH and we have been steadily paying it off.. then a couple of weeks ago it suddenly jumped to £440 overnight !! :eek: I rang them very upset and asked them to look into it,they said it looked about right by their…
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Tesco Clubcard Deals - Beware
Hi there, Thanks to this site I have discovered that using my clubcard vouchers for tesco clubcard deals is better value except for the Hilton Hotels (there may be others but I was looking to book the Hilton). I phoned to ask how much it was for one night B&B & was told £116 :o (no changes no refunds for a suite (special…
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PPI and DMP - Quick Question
Does anyone now if PPI is still charged on your CCs if you are in a DMP. Should I contact each card and cancel? is it frozen? Is it too late to cancel? Just realised that I'm being charged that each month on 12 cards(gulp!)
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letters to creditors
Hi Can the letters that request for the original agreement be sent via email? thanks
