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I think we're going to have to buy a new car....
I really don't want to but I am fed up of throwing good money after bad on this one, we must have spent over £1000 on it in the last year. We have got about £4500 saved up in ISA's due to selling endowments( I know we should have used it for debt but it was my debt but our savings!) and would probaby get about £1500 for…
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Payplan Interview Pack - Question about listing assests...
Hiya I'm just completing Payplan's interview questionnaire, it asks about personal assests... MOTOR VEHICLES please give make and age. Does this mean that you creditors could ask you to sell listed assests? Panic running thru me just now...... if the answer is yes, would I be better not listing my car as an assest and…
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Speeding Update - good news!
Hurrah! Finally been to court 5 months after being done for speeding on the A50 and have come home with 6 points, £255 fine including costs and still have the ability to drive! Thank goodness it's all over! Now off to buy a lottery ticket as today is obviously my lucky day!
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Dilema.. what do we pay off next?
By the 5th December we'll have saved £526 and our initial plan was to pay off my blackhorse loan next because we've been doing them in balance order to boost our motivation rather than going straight in for highest APRs first. But now we're not sure what to go for next.. Here's what we have still to pay off.. Husband's…
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Debt Management of Old Debts
Hi All, My Stepdad has just died and I am trying to sort things out for my mum. Basically they are in alot of debt (£60K) which they are paying of every week/month etc to 3 different Debt management firms. I know this may sound horrible but even if my mum and stepdad both signed up to the Debt Management agreement, doesn't…
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Is my Solicitor trying to help or Not!
Hi everyone ( I am not asking for any legal advice here, just the knowledge of were i can obtain it from regarding my soicitor) I really dont know where to find out the answer to my question unless i pay another solicitor. Hence why i am posting here, and i am sorry if it appears off topic but it is all connected with me…
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insurance and prgnancy
I just want to put my mind at rest. A few years ago when I was pregnant I had payment protection on my barclaycard (I had the card before I got pregnant) Unfortunately I became ill with pre-eclampsia and was taken out of work, as I was not working and put on sick pay, I contacted barclaycard and explained that I was unable…
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final warnings
On Saturday I recieved "final" leters from my creditors. this is despite writing to them every step of the way and also trying to get the info together for my PPIs. I have sent them my CCCS letters but cannot start my DMP until my new bank account is functioning. These letters are really scaring me but equally I am too…
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Help! Where's my money gone!
SoA Bill Contribtion - £100 (non-negotiable) Food/toiletries - £60 Contacts - £12 (online) Mobile - £12 Car - £90 (essential) Northern Rock - £128 Career Loan - £120 A&L loan - £55 HP - £26 Mint - £16 Egg - £40 Marbles - £30 (minimum CC repayments, but pay £10-15 more each month) Total - £679 Income - £941 (net salary) -…
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Best use of £1500?
We've sold my car to my father (good ol' Dad!) for £1500, which is about what we would have got on eBay. He's retiring and giving back the company car, so this works out perfectly. A friend's husband is about to get a company car himself, so she will get his old car, and her car becomes available. It's not a horrendously…
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Wohooooo
Hi All, Just a quick thankyou to you all, with out this forum i would not have gone on a budget and cleared my credit card debts. I am please to say that i made my final payments on my cards today and next week i will close them (saving one for credit reasons but i will not use it) So thanks to all the posts and help…
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Old Credit Card Debt
Back when I was young and care free I got into debt with BarclayCard. This debt about £2000 and it moved onto a debt recovery firm, I paid it for a while but when I received no feedback I stopped and never heard from them again. This debt has since been removed from my Credit Report as it was from 1998 (date of default).…
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Proper thought-out SOA that we're sending to the banks...
Hello. Righty-ho, this is the real thing: Total income: £1941.53 (includes Child Benefit etc) Outgoings: Rent £655 Elec £100 (paying off an underpay too :mad: ) Gas £74 (ditto) Food £300 Car £151.67 (includes monthly slice of tax, insurance etc as well as maintenance) Diesel/petrol £145 TV license £10.96 Household £45…
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HFC Bank taking me to court :(
Hello Everyone, This site has been such a help to me over the last few months. I'm self-employed with a low income and lots of debt. I started to get into trouble with some of my creditors in July, being simply unable to pay, and have consequently defaulted on 3 accounts, the largest of which is with HFC Bank (credit…
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advice needed - Payplan/Credit cards.
I am still waitng for my payplan stuff to come through, um i believe it's a £1 to your creditors thing? my only worry is is that my credit card companies will start pestering me in about 5 days time! should i just wait until the stuff arrives and ignore the phone calls. the cc company will try and phone every day until i…
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night club compensation
On friday evening whilst in a bar/club I sustained a whiplash injury. The incident happened whilst a bouncer was aggressively removing somebody from the premises. The bouncer unnecessarily barged through the crowd pushing people out of the way. ( the guy being evicted was not resisting). The first I knew of it was somebody…
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Mortgage And Bill Advice
My friend has just split from his girlfriend and she has moved out about 3 months ago - the thing is now he earns £1k a month but his bills and mortgage add up to £1200 a month thats not including food etc - he is now behind on his mortgage and has been told he cann't sell up until he is upto date on his payments - he is…
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Sainsburies Slicing Policy
Usually go to sainsburies for lunch as I can grab a french stick for 26p and a pot of tuna / egg mayo for about 60p. I ask the guys in the bakery dept to slice it for me and usually they will, however there is one woman who is adamant that "we don't / can't slice french sticks. Never have, never will" and it usually takes…
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MacKenzie Hall - 3rd Parties Debt: Help!
Hi all. New to the forums and been reading up on "Mackenzie Hall Limited" after today receiving red "postcard" from them requesting contact. Not sure if this is the correct forum for this post but it is concerning a debt. I have read through the posts mentioning this company who would appear to be rather "shady" and the…
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£33,000 in debt IVA or bancruptcy HELP
Join Date: Sep 2006 Post Count: 2 Thanked 0 Times in 0 Posts £33,000 in debt IVA or bancruptcy HELP I owe £33,000 on 6 credit cards it has got to the stage now when im late on a lot of them. I just cant keep up with the rising payments. I was wondering should i go and see cit advise bur about it or go to one of the iva…
