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Egg card - a tip
This may well apply to other cards as well, but I'll tell you my story. I've been paying off various debts over the last few years including a CCJ, and I can now see a light at the end of the tunnel. Because I had a lot of defaulted debts to clear and I'd agreed payments with those creditors, I didn't have much money left…
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Please help -personal favour OFF TOPIC
Hey all, I'm normally here dishing it out rather than making a request. I know this isn't DFW and I wouldn't normally ask people to do something like this but I count you guys as friends so I hope you'll listen. I'm not asking you to participate unless you want to though, so please don't unless you want to. Some of you…
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debt agency chasing for funeral payment! help!
Don't know if i'm on the right forum but here goes..my brother passed away 6 months ago. My parents obviously arranged his funeral but as my brother was a home owner he has an estate from which the funeral could be paid. Problem is he died suddenly intestate at the age of 34, like most people his age there was no will. We…
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Is it harrassment?
Just to give you a bit of background I owed some money to a certain bank for a loan and cc . An agreement was made for the loan and cc debt which was paid in mid August. In Sept I get clled by CC branch of the company that said I still owed them the money, even though I said that I had paid it as part of an agreement.…
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My first step
For the last few months I had not worked out my debts but today I added them all up and have a grand total, tomorrow is the first day of my new life to try somehow to sort them out, and save myself and my business/income. Total debt [FONT="]19254.78 Justin [/FONT]
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Really need help
I get £140 a week in because I am a carer and can't work. I am looking. I have to pay £20 a week for a Christmas debt. £10 for my landlord for arrears, £10 for electricity, £20 for phone bill of £68, £40 for food, £20 for Sky direct debit, £10 for my only indulence which is to take my son, who has a disablity for a trip…
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DMP and Northern Rock Demands
Hi all I'm currently in a dmp with payplan (since Jan this year) I had a letter from Northern Rock stating that they want an update of my current financial situation and that I had to ring within 7 days. I have just telephoned them now and they have said that they need me to increase my payments, otherwise my account will…
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I Think I'm Nearly There? Maybe
Dear All, May I start by just saying how wonderful it is that there is so much support out there. :T I have just read Panda Paws' diary which has made me feel just about brave enough to start my own diary. I have tried a couple of times but chickened out and deleted it! My debt story starts in 2001. I had just finished my…
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Posting up SOAs - did you take the advice?
This is just out of interest really. You see lots of SOAs posted up everyday and sometimes you get a feeling some people dont really take the advice given as it isnt always a quick fix to lower their debt and takes a bit of work and time to get it down. If I am honest I didnt take all the advice that was given but I took…
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I Need Advice
hi let me tell you my story, when i was 18 i got mixed up with this guy who ended up leaving me with 30 grand of debt. i began to work like a trojan in order to pay it off i felt so ashamed that i had been used! so for the last 9 years i have done a minimum of 95 hours a week to get this dealt with. I found a real nice guy…
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Advice Please - Cccs
Hi. I'm about to have an appointment with CCCS, actually this Friday. Due to our business failing, I have a £77K debt, and most of this on credit cards. Its a real mess and has finally caught me up. The old juggling scenario I'm afraid. I'm concerned that the card companies won't agree to a fair repayment plan, and…
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Repayments equate to 19% any chance
About to send out my Pro rata plea to my creditors. Amounts equate to 19% of what I should be paying. Hope at least some of them will accept as I really am trying to get sorted. Wish me luck!
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Can they take action?
If a debt is over 6 years old, and there has been no contact, technically statute barred, but I have NOT sent the statute barred letter can a DCA take any form of legal action. What Im trying to find out is can they go to the courts with the old debt if they have no evidence of contact? Is there any point sending the…
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Help needed for bank account crisis.
My partner had an overdraft of approx. £1000. She arranged a payment plan with the Halifax. I have just found out that she broke the payment and the bank offered her a loan to pay back the overdraft which she accepted. She then didn't keep up the repayments on the loan. A recovery agency are now saying that she owes £2800,…
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Toto - Is This You?
http://www.photobox.co.uk ??
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I'm new Hi
Just thought I'd say hi im not in debt as such but will probably spend time on here as my mum is taxi 73 :j :j :j
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Being made redundant
Hi all, I found out yesterday that the company I work for is closing the department I work in along with the same department in other offices around the country next year as early as April. In a way it will save us some money as my wage pays for the childminder and the loan on my car which only has a year left to run, but…
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SOA - new user would appreciate ideas/tips
Hi, a couple of members of this forum have very kindly directed me to do a SOA to get any hints or tips from you guys. So.... here it is, warts and all. Ideally i'd like to get myself debt free within three yrs and also get my credit rating improved over the short ish term. Income; salary £1750 month child benefit £72 ish…
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Bailiff Threat - please help!
Hi Due to my own stupidity, combined with a death in the family amongst other things, I let our council tax slide and it went to the magistrates court. It was then passed to a certified baliffs who contacted me and agreed a payment plan. My father in law passed away the following week (just over a month ago now) and in the…
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Debt-free at last!
I've just bought a house! Specifically, my own. I made my last mortgage payment this morning, 19 years and 3 months ahead of schedule. Five years of resisting temptation and sticking to my goals, plans and budgets has finally paid off. For the first time since 1992 I don't owe anyone a red cent. (please excuse shamless…
