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Help with sorting out my debts!
Hi Folks,Sorry if this is really long but l am realy hoping for your help, was trying to sort out my debts with creditors as we cant manage any longer and things are getting to difficult, can l show you our spending and our debts and what l am hoping to do, really hoping someone can offfer some sound advice!We have 2 young…
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I dont know if this is the right forum but I desperatly need advice
If this is in the wrong forum please feel free to move it Okay, I have a loan for approx £7000 plus interest. I have been REALLY stupid and haven't paid a penny on it for well over a year:eek: I've not done this purposly, I've just got no money to pay. I have no idea of my reference number and I've moved around so much I…
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is this a fair offer
Hi everyone i posted this in the loans bit but wondered if it would be better here Can anyone tell me if I should accept this offer from Egg for PPI insurance claim. The loan taken out Jan 05 £5000 over 48 months loan protection £959.80. The letter says We have attempted to retrieve the call when you were offered PPI ,…
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How much available credit?
Hi guys & gals :santa2: Been a bit of a lurker for a while and have only signed up today, how very lazy. Just want to ask a question that I can't seem to find an answer to. What is the best amount of available credit to have? I have in the past had loads of debt, still have some but slowly getting there. Had my LBM after…
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What do I do??
I went on my DMP website on CCCS, and noticed on my list of creditors was Co-0p loans, aint got a loan with coop??? I phoned CCCS, they said "sorry, someone had put wrong bank code in system, should have been Northern Rock" I said.."does that mean Northern Rock not getting any money this month?/" (my first payment to them…
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What have / will you spend today? Friday 23 November
Morning guys Hope you don't mind me starting off - has been a while since I have! Woo! Have today off and am going Christmas shopping. Budgeted as follows: £100 off my CC, ish £40 for Christmas presents, ish £10 for food shopping £2.10 for travel £7.90 for 2 x Starbucks for me and very pregnant friend. Will give you…
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Daily Chat thread Friday (woo!) 23rd November!
Hurraaaaaaaaaaaaaaaaaay it's friday! Is it just me or has this week gone REALLY quick???? On a bad note it's Ste's birthday on sunday and his present STILL hasn't arrived even thought I ordered it last thursday!! :eek: :eek: :eek: Not good!!
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dmp - o.d and freezing interest - anyone done it?
hi just wondering if many people have managed to freeze interest on there overdraft if they are on a d.m.p? i have after 6 long complaintfull months lol. i (c.a.b) have managed to get lloyds to freeze interest and accept my payment towards it. just wanted to give a bit of hope to people who are trying.
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Overdraft reduction
I have an overdraft facility of £1100 with Nationwide. Since my LBM in Sep 07 I have managed to reduce this down through careful budgeting to £880 OD as it stands today (payday tomorrow when £1600 will be going in) I intend to keep bringing it down as part of my overall debt reduction. BTW, I haven't exceeded my overdraft…
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Is your National Insurance number on your credit file report ?
Hello to all. Could someone tell me if your National Insurance number is on your credit file report ? Id be interested to know if it is and whether banks, lenders and other agencies link personal details from NI nos ? Ive just had a letter from a DCA sent to my parents house regarding a student loan taken out more than 10…
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stop worrying...
how? Does anyone have any tips or techniques on how to clear your head? My brain just gets stuck in a loop sometimes and I can't stop going over and over the same thing. Bills, work, car..... I'm sure other people must have this too. So I was wondering if anyone has a way they switch it off. I'm really struggling tonight -…
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CCCS or Payplan?
Hi All, I'm seriously considering going down the DMP route( i have £32000 unsecured debt which i cannot manage) I have my 'quote' from payplan and tommorow im going to speak to cccs. I was just wondering what peoples opinions/experiences of these two were and any suggestions on who to go with?? Thx xxx
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Debt Crisis or Not?
I've just been reading Martin's article about whether I am in debt crisis or not. I am on the verge of going through a DMP with CCCS but I don't want to ruin my credit rating which I don't think is too bad. I have never defaulted on any payments and am not behind with anything apart from not being able to pay off a couple…
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Off Topic
My Mam has been waiting for an opperation and it has been cancelled 4 times I'm not knocking the Doctors and Nurses they do a great job:T We think she should complain, but we don't know who to? The hospital is Leeds General Infirmary we just want to lodge a complaint. any one got any links or any info ?? :huh: sorry about…
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Credit Card Settlements
Hi All, Cutting long story really short I have 4 cc debts and 2 store card debts which i trying to get cleared. Wrote letters to all with income/outgoings and brief background story asking if they would accept a % settlement as i can no longer afford the payments due to interest, fact ive been stupid and as im losing my…
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Is it my imagination?
Or this time last year was there lots of reporting happening about banks having to make their transfers between accounts instant rather than the usual '3' days, from November this year. I'm sure i'm not going mad, and it was just about the time that First Direct (i think) decided to charge it's customers for their bank…
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Petes pickle
Hi folks, Long time lurker first time poster so be gentle ;) Now like most people on here I've picked up some of that nasty debt stuff that just won't go away no matter how much I try to shake it off so I thought I'd reach out to the collective wisdom of the board. State of affairs Mint Credit Card : Approx £2300 @ 5.9%…
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Help need..with bank charges
Ok first of all, I have written to Nationwide and asked for statements of bank charges in last 6 years.. and total is 380pound. What type of letter do i write back to them now? As i dont have a clue. Also I have written to Capital One and Iam waiting on bank statements to see how much they owe me in bank charges. I have to…
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Help! What's that quote...
That you should say to the collections departments when they are ringing chasing a debt? It's for my mother, who is being harrassed by 3 for my brother who doesn't live with them anymore, and as his phone has been cut off she can't even get hold of him to pass messages on! They ring several times a day, and even ask her to…
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22.11.07 - What DFW thing have you done today?
Hi, I couldn't see this thread. What DFW things have you done today? Things for today: In Boots: Got 2 x free bottles of coke with voucher Got 4 x hair bobbles for £2 (paid with points – 3 of them were originally priced at £6 each) Got 1 x Toni & Guy mini hairspray with voucher from AC machine Got 1 x Toni & Guy mini…
