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DMP Blues
Hi Guys, you may remember me from my dim and distant past (earlier this year) on the road to Righteousness and debt free living, infact after visiting this site initiated a DMP via Payplan. £60k in debt and no where to go. We are now 5 months into a DMP and its going ok (ish). most of the 15 creditors have accepted the…
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Totally scunnered
:cry: I haven't posted very often and just about to have my light bulb moment although not quite there yet.I am addicted to this site like many others and have started adjusting my lifestyle in small ways BUT does anyone else feel that something/someone is doing all they can to stop them?? I got a car in August and so far…
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powers of DCA
May be a repeat thread sorry but do I have to deal with DCA when the bank have agreed to pro rata payments and what powers do they have in respect of this?
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Connaught Debt Recovery
Anyone heard of these people? They send out nasty letters and when telephoned in order to deal with the outstanding debt - the person who answered advised that there was no one available to deal with the call?!?
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Temporary Christmas Work
I am thinking of taking on an additional temporary part time job over the Christmas season and wondered if anyone knows what the going rate is for shop work? Thanks
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DCA powers
Worried - in respect of other thread.What powers do DCA have? Do I need to talk with them even though the banks have agreed to pro rata payments.:confused:
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Credit report problem - electoral roll - help
Basically i cant seem to get any credit unless offered sky high APR's. Applied to Annualcreditreport for a free credit report which to my surprise was reasonably ok. (800 out of 1000), so why the poor credit offers?? Found on the site that it says i moved out of previous address in October 2005 and nothing since, so have…
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full & final settlements
my credit card debts went through the roof this year, £16,000, and i remortgaged last month to get the money to clear them all. i heard that if i negotiate with my creditors, they may accept less than what i owe. how do i do this and how long will it take. my money is in the bank waing for direction. christmas is coming…
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Driving License Stolen - whats the worst they can do?
Hi, I lost my purse about a month ago. I cancelled my cards but never got round to getting a new driving license or card for Costco. Tonight, I got a phone call from Holmes Place (joined through Pruhealth thx to Martin) saying that they had found my purse at the back of the lost property cupboard. When I went to collect it…
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Debt Advice for Employees
Hi all, Just been asked by my boss to set up a debt advice service for the companies' employees - how to budget, dealing with baliffs, AEO's etc. I've been lurking here for ages and know there's loads of good advice out there :p So far downloaded some really useful info from CAB, got my first meeting tomorrow,:eek:…
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spending £150 on equipment
I'm a novice cake decorator and have just come across a job lot of tins, cutters, and other equipment for £150 this is a bargain as the professional tins cost around £10 each alone and theirs 32 included in the sale. My dilema is... do I keep back my profits from making cakes to pay for the equipment or let it pass me by…
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Newbie needs advice!!
We are about 30K in debt to various credit cards and loans, and are looking for advice on how best to get out of this debt. We can service the repayments, normally the minimum amount per month. We do not own our own house, as we are tenants. Would getting a 100+% mortgage (if we could get one?) be a solution? Cheers,
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Grr what have NatWest done already...!?
Has anyone recently opened a Step account? I did this as I'm on a DMP so switched to an 'unlinked' bank. I opened one last month and am just starting to use it - next month I'm transfering my salary and DD's etc to come out. However I used this once a few weeks ago, basically paid £40 in and used £38.45 to pay Vodafone.…
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What effect IVA, DMP etc on credit?
Hi all I'm just starting down the road of getting my debt sorted. I'm curious of both the short term and long term implications of gettig an IVA or DMP or even bankruptcy? My concern is that I'm in my first house which is only 2 bed and I have 2 children and will need to move in around 5 years time. When this time comes I…
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Can anyone advise? Feel in a mess....
Hi. I hope someone can give me some advice. This website was recommended to me by someone from an aviation forum and it seems really good. i've been searching everywhere on how to get advice My finances basically, I have 2 loans each is for £6,000 I pay around £300 a month on both of them. One is with EGG which the APR is…
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Babysitting New Years Eve?!
I have been asked to babysit on New Years Eve for a nice family I've babysat for about 3 times recently. It's just one 2yr old boy who is usually quite good (lack of toys doesnt help tho but will take some of my nephews in case he gets bored), anyway my nan is thinking of arranging a family party on NYE but it'll prob be…
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Bankruptcy Advice
Hi everyone, I was hoping you could lend some advice. My family is in severe financial difficulties and we've reached the end of the road :( As you can see from our SOA underneath we've got big problems!!! I know some of you are asking how can we owe so much - most of our debt was incurred when I went through Uni to train…
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HELP please. Who know's about DD Guarantee?
Hi all, We have a seperate a/c for bills that we each pay money in to. The day for the bills to come out, last month fell on a Saturday, so all of our payees took their money on the Monday... Bar one... Our Broadband provider took their money the day before, which of course meant there was no cash in there yet... And which…
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Banks DCA
Hi, advice please as to why on contacting natwest re; credit card they are handing me over to their DCA. Already sent pro rata letter from CCCs and rang them today with further payment details to be sent and they informed me of the imminent default, horrible letters to come and the DCA. What next?
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Terrible Council Tax debt
Hi all. I'm in extreme trouble and all of it my own doing. I've always dodged paying Council Tax wherever possible. I'm not proud of it and now I've grown up a bit, I want to put matters straight. Over the last 8 years or so I've ended up owing more than £2000 in CT. I know everyone has to pay it but being completely…
