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Trying our best
How long do people give before admitting defeat on paying off debt? Where 1st time debt free wannabe's, finally facing up to the fact we need a plan in place. We desperately wanna repay everything ourselves, like people have said on here, repay the highest APR's first, the others just the minimum. So as from friday when my…
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Selling my flat to pay off debts.
I have decided to sell my flat in order to pay off my debts. I have debts of £25,000. I have a DMP with CCCS and can only aford £5 per month to each creditor. It will take me more than forty years to pay them off at this rate. I am a nurse and unable to find a permanent job. My DMP started a year ago and my creditors all…
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NEMO Personal finance
Hi Everyone, haven't posted for ages cos just been trying to muddle through but my credit supply is/has finally run out!! Anyway i'm thinking of taking out a secured loan of 25K @ 8.9% with NEMO personal finance, does anyone know anything about them good or bad??
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Re-possession
Many years ago I got into difficulty with a house I bought. The mortgage company threatened re-possession but if my memory serves correctly I'm sure that I managed to clear the mortage when the property was re-possessed. Now some years later out of the blue I have received a letter from a solicitor acting for the Halifax…
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Just Got £15 Out Of Ntl/virgin Media
:rotfl: Thought I was doing well here as I got £15.00 out of ntl/virgin as they had put a £5.00 fee on my account for not being on direct/debit...I phoned and told them that I was and had been for the past 3 months so they gave me £15.00 which made me happy, till I worked out that over the time that I have been a customer…
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Rossendales Being Unpleasant (what a surprise)
Okay guys, bit of a problem. Ars*holes R Us (Rossendales) have sent me a letter telling me they're going to come round with a van regarding a debt I have been trying to sort through a solicitor. Basically they tried to remove on a debt I was paying as agreed, and in fact overpaid. According to them the agreement was only…
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Admitting what I have is debt
I know some peoples debts are far bigger and scarier than mine, but I really want to try and stop it right here now before it gets too far. I am a student and have two debts really, about 1000 pounds owed to my boyfriend (which I know doesn't have interest and so a less important debt, but it's putting a strain on the…
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My - hopefully short - debt story
Hi all, Just signed up for this forum, checked this site a few months ago in November 06 when I had my lightbulb moment heh, and I decided since i haven't been too succesful since then to have a kind of a blog. I'm going to start writing my progress here so I can keep track of what I'm doing until all my debt is gone. All…
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Default on my credit ref thanks to O2
Sorry for new thread but couldn't find anything close to my whinge of the day! :mad: In 2002 I had a mobile phone with Genie, they were fine, then they were taken over (or something) by O2 online who were not so good. I decided to go elsewhere so tried to contact them, over a six week period I wrote to them several times,…
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walking posession agreements(does yours exist ?)
A client i am dealing for had a recent run in with whyte and co bailiffs limited. A bailiff knocked on the door and asked for either full payment or a agreement to be signed so that a monthly payment schedule could be sorted out. the client told the bailiff that he was on benefit and the debt should not have been passed to…
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Help needed Selling up and then renting
Hi, I've been scouring the internet all night looking for somewhere where i can post my problem and seek advice, and this is the most suitable place i've found so far. Apologies if it isnt a suitable place, but please hear me out. I'll keep it as brief as possible...... Basically, i need to sell my house immediately before…
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CCCS Payment Break
My sister has come to me for help again :confused: About two years ago we sorted her out a payment plan through CCCS She pays about £380 a month and all has been going well. Her next payment is due 01/05/07 however due to illness and not being at work her wages are going to be a lot less than normal. She has asked me to…
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ADVICE RE DMP Please???
Hi everyone. This is my first post so please be gentle with me! We are starting a DMP with CCCS soon. I was going to try to manage one myself but it is just too overwhelming! We have about 8 creditors 5 of which are reasonably small amounts, 3 of which are larger personal loans and credit cards. We remortgaged a while ago…
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Operation Get Rid of MBNA has began.
I posted on here a couple of weeks ago about the interest rate on my MBNA card going up to 21.9% :eek: :eek: :eek: and that MBNA had refused to convert this into a loan for me. Well it seems like I needed this kick up the backside and since then I've been throwing every spare £1 at it ....literally - my statement next…
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any tips for debtfree wannabe
started gamberling 3 years ago serious gamberling i now owe out 34000 phew that was a shock adding that lot up ive been looking at this site now for the last 3 days and have got some brilliant advice how to clear my debts. i earn 19000 a year and my partner gives me 6500 a year so i should be able to clear these debts any…
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When will you call yourself debt free?
My mind has been contemplating this for a while now. When do you actually class yourself as being debt free? At the moment we're paying off all our unsecured debt (ie all our credit cards, loans, dca's etc.) and after weds will only have 2 left. I want to be able to call ourselves debt free after those last 2 are paid off…
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Is it appropriate to.....
Some of you may have seen a post from chicken licken AKA Cath, who is a close friend of mine and my husband. We have been helping her out with her rather grim financial situation and we have pretty much got a grip on it now. Cath had a number of DCA's contacting her regarding catalgue debts, which she didn't acknowledge as…
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Barclaycard - How Stupid!
Morning all, Sorry to have a little moan on the weekend. Doing a DMP privately, all creditors are ok including some rotters like MBNA. However, Barclaycard wrote to me saying that they will start to reapply interest charges as of the 25th April. I currently owe £3300 approx. and pay £57 to them which was agreed when I…
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how much have/will you spend today??? - sat 14th april
well guys the challenge is over for another week, I'll spend some time this evening compiling the list for tomorrows thread, though as I may have a second night out tonight (yes I'm a shade of green today :eek: ) it may not be quite first thing! don't panic though the challenge is on this week! this leads me to a question?…
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Please,please can someone help us??
Ok,we are very worried over things now. Back in September we got two yellow cards saying pay up £x immediately to Allied Credit International for two old debts.They are still liable as it's under 6 years etc.One is a couple of hundered pounds on an old overdraft on a closed account,the other is a couple of thousand on a…
