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should I cancel direct debits??
Hi there yesterday I posted my first admission of being it debt.. See I said it I AM IN DEBT!! We have as much going out as we have coming in, and that is just on what we owe. I had some really good advice yesterday on where to start getting out of this mess. I have contacted the cccs on line and i am starting to collect…
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SOA advice needed by a newbie!
Hello all!! I've been searching through all the posts and I've seen the fab advice you offer on here. Was wondering if you would be able to advise me too!! Due to circumstances beyond our control, me & my OH have to set up home together. OH owes approx 19.5k on overdrafts, unsecured loans and credit cards. When we set up…
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I have been very naughty
Just spent £27 on a new radley bag :o But in my defense... 1. Had a rubbish week last week after hubbie gambled £120 of rent money away so needed a treat 2. It will go perfectly with the dress I got for 99p off ebay for my sisters wedding 3. I went via quidco for cashback and used a 20% discount code So, am I…
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I am really stuck in a rut and its getting bigger
Right we have been in touch with both cccs & national debt helpline and both have asked us to send letters out to creditors that we can not afford payments or to declare ourselves bankrupt! the thing is we cant even afford to declare ourselves bankrupt! i really have no idea how to go on about this, and beleive me if i…
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Still no CCA from BCW....
Sent off for a CCA from BCW for an alleged debt I still owe Talktalk (dont owe them a penny) amd although they wrote to me to say they had put the account on hold until a CCA was sent from talktalk, I haven't recieved anything. I sent the CCA request on the 10th, they replied within a couple of days. How long do I wait…
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CCA has been sent for old car loan with Yes....
We sent a CCA request letter to a debt collector who, out of the blue, started writing and phoning hubby for a car we had from Yes car credit in 2005. Back then, after a couple of weeks we gave the car back as there was a number of faults on the car and we just couldn't manage the repayments. We were told that the car…
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Please Help!
My husband & I are in serious debt & I just don't know what to do to get us out of it. I am only 26 & he is 28 we have been married 6 months. We only rent our property as we probably would never be able to buy. Between us we probably have in the region of £100k debt, this is on loans, car finance, credit cards, house hold…
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Credit card shuffling
I have a fair few credit cards with differing interest rates (0% through to 29.9%). I have utilised low interest/life of balance space on my cards wherever I can but the limits are fairly small and unfortunately, my largest balances are on the cards with the highest interest! So, I am stuck on two things: 1. Has anyone had…
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I'm so tired of it all
It just seems the harder I try the worse it gets. The smaller the creditor, the worse their attitude is. Call centres are a nightmare. After an hour on the phone to Abbey I was literally suicidal.i'm so so tired, !!!!!! they are only owed £500. But by god they are a nasty bunch of people. I've pleaded and pleaded for them…
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Debt help and advice
Im new to this particular board and wondered if someone may be going through or has gonethrough the same situation as me. Me and my OH are in debt for 30,000 in total which mainly include credit cards with low apr and a LLoyds tsb loan and lloyds odraft. The loan intially was to take all ccard debt in one monthly payment…
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How did I get in this mess? Advice needed
Hi All My debts are finally taking their toll on me and i've hit a brick wall and don't know where to go :confused: I'm 30 with a partner and two children, i live in rent free accomadation as it comes with my job. All of my debts are with the Halifax. Income = £1600 Out goings = Loan £291 6 years left balance £18000 Loan…
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quidco - advice please
Hi there sorry if this is in the wrong place or has been covered. Inspired by what I have read here I joined quidco a couple of days ago as I am about to change my fuel provider. Now I can't even remember if I set up BAC with them at this point or not - how can I check? The other thing is that I am pretty computer…
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refund from catalogue???
i posted a thread last year about me having paid a catalogue debt for an ex boyfriend and how i couldnt keep up and having seen this board decided to write and explain how it wasnt my debt - this was done and they shut the account, but, ndr still havent returned the monies i have already paid - do you think i should pursue…
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Reply from welcome re mis-sold insurance....
Well, we got a reply from welcome finance in regards to our complaint about the ppi. They wont accept that it was mis-sold because hubby signed the contract with the ppi box ticked. They completely ignored the fact that we were actually complaining because my hubby was told if he didn't take the insurance out he would not…
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need some help
I posted a while back but have been swamped with work. I have now learnt to seriously prioritize and have put together my card expenditures. Sky card - 6000 - I pay 200 a month - 16.9% Barclaycard - 800 - I pay 50 a month -24.9% HSBC loan - 10000- I pay 262 a month 14.9% A car loan at 6000 - I pay 258 a month - 29.9%…
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Can I ever be debt free?
Hi All This is the first time posting to the site and I have finally plucked up the courage to post a message. There seems to be loads of valuable information and people in similar situations and I have found reassurance from reading some of the postings which kind of gave me the courage to make my own posting. I need…
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debt sold on from my bank
Hi just looking for a bit of advise what to do hear. I took out a £3000 unsecured loan in aug 2003 and was keeping up with my payments as i had quite a good job but then i got myself into a bit of trouble and was put into prison and also lost my job. i informed my bank straight away that i couldnt keep up with payments as…
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HELP Statutory Demand
Hi All I was hoping that some of you nice people could help me. Today in the post my husband received a Statutory Damand from RED debt collection services. It is for a cc dept from before we met and we have been married for 7 years now, i know he has not paided anything or acknowledged the debt to any one. He has been…
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debt arrangement scheme (scotland)
I have been on my dmp with cccs for a year and did my review today. They mentioned that I may be eligible for the DAS and were going to send info as they do not do the scheme. Has anyone done it? I would like to hear from you if you have. It can stop interest and prevent creditors from taking you to court if you stick to…
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consolidation problem
I am trying to consolidate my debts on to a mortgage, but i have already been refused application for a current account alone by 2 banks due to 2 defaults on my credit history. What chance will i have with a mortgage? The defaults date back to 03 and both balances were paid in full and upon contacting them both say that…
