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Thank you All
After lurking for quite a while I have signed up to this forum to say thank you to you all. I have spent the last year in a living nightmare with debt. :sad: I found this site about 2 months ago and read most of the threads about debt management and plucked up the courage to phone PayPlan with my problem. I am now on a DMP…
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Complete Beginner - Pensions or Savings?
Hello everyone, I am new to the forums and have just spent a few hours reading through threads and am inspired - especially by James240! My financial position is not bad - but I've been humbled by everyone elses efforts into realising that since I graduated Uni and started my relatively well paying job that I haven't…
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Complete Beginner - Pensions or Savings?
Hello everyone, I am new to the forums and have just spent a few hours reading through threads and am inspired - especially by James240! My financial position is not bad - but I've been humbled by everyone elses efforts into realising that since I graduated Uni and started my relatively well paying job that I haven't…
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what would you do?
I would like internet on my mobile... the reason being my very odd shifts means i cant be on here much and i cant start the daily thread. There are other reasons but these are my main. Now my phone is very old in technology and in order to get it i would have to buy a new phone and payg on the internet (havent looked into…
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managed loan from hsbc
hi, i usually just read posts on here, never had the guts to post b4 so here goes !! We had debts with hsbc last year including an overdraft, a loan and 2 credit cards, and we couldn't met the payments. The bank told us we had to have a managed loan or they would go to court send the bailiffs etc. We took this loan…
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Can't afford leased van
About 6 months ago I took out a lease for a brand new van. We are running into money problems and can no longer afford the van. They said they would take it back and sell it at auction to pay off the settlement figure, but I think we may end up owing a few thousand as I don't think it will sell for anywhere near our…
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What address do I write to in HSBC regarding my DMP?
I can't for the life of me find what address to write to Should it be my local branch? Or is there a debt like department? Please help
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No other option but thanks for your help
Thank you to everyone who gave me help with my situation but my partner and I have decided that bankruptcy is the way to go for us. Best of luck to all of you Leanne XXX
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JB Debt Recovery, Letter Help Please
I bought my very first contract phone back in 2000 and cancelled it when the 12 months were up. That was the end of that or so I thought. I got a letter around December last year saying I still owed them £6, but the letter looked really 'dodgy' like a blurred photocopy, and it was asking us to phone up and pay this £6 over…
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Repairing credit file???
Just saw an advert in a newspaper that was kicking around. It's from a company who claim that they can repair your credit score, give you a credit card and get you a current account & chequebook with major High Street banks. I'm certainly not interested in the credit card part - but I'd like to improve my credit score and…
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Overdraft or Credit Card
Hi thought i would start a new thread as need some more advice on sorting my debts. Posted a thread a week or so ago about sorting out my debits & posted my outgoings etc. one question though i am still pondering over...is our overdraft. we have an overdraft of £6200 at the moment and the overdraft limit is £5000. so for…
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Being chased for a debt by a company I think owes me money?
Hello, I already tried to post this once and made a mess of it, I'm really sorry if it appears twice. Rewriting it is good in a way as I feel a bit more coherent than I did first time round. I'm really confused and to be honest starting to panic a bit, and I'd hugely appreciate any advice anyone could give me. Over four…
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!!!!!!? Can someone explain...
Why DH's citi card's interest for the last bill was £16.25.. but this estimated interest on the next bill is £10.23?? Even though we've only paid £14 off it??? Either way it's getting paid off soon anyway. Bloody citi..
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Advice for a Student please.
I am a student going in to my final year in a few weeks. I have run up credit card debts of about £3000 and have an interest free overdraft of £2100. I want to try and reduce my debt but the interest is quite high on my cards. I have been thinking about getting an unsecured flexible loan to pay my credit cards off, I've…
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Taking in a Lodger to help pay debts??
Has anyone actually taken a lodger into their home to help pay debts? Has anyone got any advice? good or otherwise. Can anyone point me in the right direction for advice, suggestions, warnings etc etc Many thanks in anticipation.
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need info urgently please
Where to start. I am in so much debt, I don't even want to go there but, suffice to say I was working full time and hubby also. All the bills we have were manageable until I went on the sick. Have been now for a year and can not see me going back in the near future. Anyway, I have managed up to now paying everyone, credit…
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Cutting childminder's wages - how do I broach it?
Looking for a bit of advice on my situation please, feeling a bit down about it and am a bit of a wuss, I know what I need to do but need help on how to broach it and what to say. My two youngest kids go to a childminder, she is unregistered and is a very good friend/next door neighbour of 15 years and been looking after…
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HELP- Being bullied by company handling bankruptcy! :-(
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Claiming CC charges while on a DMP
I've recently started a DMP with Payplan and was wondering if anyone had any advice on reclaiming Credit Card charges ? I assume if it is possible, the amount claimed would go towards paying off my debt with the particular company but was wondering if anyone had done this, or how to go about it ? thanks,
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QuidCo Help Please
Hi All - Joined Quidco yesterday and am very pleased with myself :j but yesterday i read a thread and someone said "i have done my morning clicks" What does this mean? Can you earn money for clicking on things? Sorry - its probably very simple but i cant figure it out! :o Thanks
