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Citibank - recommended current account, financial links?
Hi, We are just starting a dmp with cccs and are very happy with the help we've been given. However, because of our debts being spread across several creditors when we had to open a new account we have been left with few options. We have plumped to return to Lloyds TSB who we had a dormant current account with. Trouble is…
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Requesting CCA - Response from Thames Credit
Good morning! I wonder if anyone can advise me on this.. I sent the request letter to try and get hold of a cca for a debt that Thames Credit have been chasing me for. Well in fact they haven't done anything of the sort but after checking my credit report I saw a default on there from 2 years ago with their name on it.…
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Paying of Debts?
I hit financial troubles after a divorce and then a bad accident in which i lost a leg, i have in general negotiated token payments with debtors i owe money to, none are secured and the highest is Masterloan and is for 6,500, they review my situation fairly regularly and i send letters out telling them that at present my…
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Daily Chat 11th Feb
Morning all! :D How's everyone today? Nice and sunny here but very cold. I'm tired and aching but otherwise ok. :)
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Who is Leo J Quinn Jr?
Hi All I've come across this american guy on the internet called Leo J Quinn Jr who reckons he can help get people out of debt and help them manage their money more efficiently (sound familiar?) I didn't want to pay out any money, I'm not that stupid that I'd line someone else's pocket, but I was intrigued so I signed up…
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Monday 11/02/08 What small dfw thing have you done today???
* When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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New and in need of advice
Hi, I've been receiving the emails from this site for ages now and finally plucked up the courage to register and post so I can ask for some advice - I'm desperate. I know lots of people have been in far worse situations than me, so I don't want to sound like a whinge, but truth be told I'm terrified and haven't a clue…
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Help with manging my debts myself after dealing with a DMP
Hi all, I have been with All Clear Finance for about 2 years now and have decided that now i am in a better frame of mind, to look into the arrangement. It all started 2 years ago when i was splitting with my ex who had quit his f/t job as he got addicted to computer games after we moved into a house together, so i was…
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has anyone heard of
albion collections just logged on to my sainsburys bank account and it said your card information has been denied contact albion collections on 08702400725. if so what are they like to deal with.
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Make your own bread???
Ok I know that there will be many of us on here that either make their own bread by hand or in a machine. Well I discovered today that if you go to the bread counter/fresh stand in Tesco and ask one of the bakers if they have any fresh yeast they will give it to you for FREE....yes FREE. :j I asked the chap if they had any…
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Can i have peoples experiences of an IVA please is it the right thing to do ?
Hi everyone i posted ny SOA on here a few weeks ago, and i have learnt loads of things, swapping gas/electric supplier, spending diary,menu planning, quidco, pigsback,its been truly amazing, now i have done a SOA with cccs, i have had contact with clear start who have tried to get me to do a IVA with them. I owe £16,000…
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Just started DMP, seem to be getting deeper in debt??
I wonder if you good people would be able to help/advise me.... I have just started a DMP with CCCS, I have approx £37,000 of unsecured debt sadly. I had a shopping addiction, which after Counselling I am dealing with. When I started the plan, I must admit I thought that it was my first step to me getting out of debt, I…
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DFW Sunday Confessional 10th Feb
Forgive me Martin for I have sinned.... Herein lies the place in which to repent ye wicked non MSE/DFW sins... Repent and ye shall be forgiven!
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Mortgage confusion
i have a default currently and require a adverse remortgage. I'm currently on nrock SVR which is 7.6 i believe....does anybody know any independent whole of market mortgage advisors for me to cut the cost of my mortgage....
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Pensioner in debt and denial - how do we help?
We need some tactics to try and help my Father in law, who is 84 years of age and living on not much more than basic state pension but who also has (and is continuing to) run up debts of around the 16k mark now. A couple of years back he got to the position of not answering the phone as credit card companies were chasing…
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Come on give me INCENTIVE
to face this pile of crap paperwork spread before me....... Even to put things on fleabay Even to tidy the house Even to think I deserve such a lovely hubby who would be gutted to know the debt we are in (who is working for the 7th day in a row) OK everyone in the house is healthy- I do appreciate that. Still don't feel…
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sorry i am so worried need help again
Thinking about contacting CCCS tomorrow hopefully they will help me but still unsure if i want to go down that route .I have just been on cccs website and put all my details in where it gives me an idea what i would pay them to pay my creditors . The problem i have is where it says your morgage amount for my morgage i am…
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Reality Check - Not Good....
Hi, I'm twenty one and Own my own flat with my partner. We moved out 3 years ago...and have since built up various debts out of bad planning and nievity. Today we sat down and faced the harsh reality... Our joint income totals £1600 per months Out joiny outgoings total - 1800 per month We have the Mortgage £99000 - Prop…
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Debt Management Advice Please
Hi all, I am new to the forum and have a couple of questions to ask. 4 years ago I struggled to make payments on my £16000 worth of debt so I contacted a debt management company to consolidate my debts for me. I pay around £250 per month and I believe the DMC is taking around 21% odd each month. I have never missed a…
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It's always way more than you think eh.
Well I finally did my SOA. I'm not penny accurate right now as I'm juggling lots of balls to try and get the costs down. Income My Salary - £2629.24 + Annual 4% Bonus Outgoings Rent £1020 Council Tax £78 Electricity £28 Gas £30 TV Licence £11 Travel £105 Phone £12 Internet £22 Food £175 Gym £65 (I do go, if I go out…
