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Statutory Sick Pay
Hi I am not sure of my entitlement to ssp. Last month I was off work for all of my working 4 days shift and gave in a ssp form and yet I was not given ssp or a form to explain why the company hasn't paid me ssp Is it because I am a mug working for the same small family run business for 20 years I am 51 years old am I a…
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My Mission
I am on a mission! I really want to pay off £10,000 of my debts this year. I am on a DMP with CCCS and my payments for the year will total £3630 so that leaves £6370 to pay off. I have £187 in my paypal account from selling things on eBay so this leaves £6183 to find. I am going to use this thread to keep me on track as I…
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Not strictly DFW, but I know someone can help
I have done this before, but the answer eludes me... I need to completely lock a worksheet in Excel. I can manage to password it from changes, but individual cells can still be clicked on or highlighted to reveal the contents - i need to prevent this. Thanks in advance
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A question of priorities?
Evening fellow DFWs. I am in a position where I can throw a little extra cash at some debts but I am unsure which I should tackle first. I know the usual advice is to pay the one with the largest interest rate first. This would be a NR loan @ 8.2% but if I overpay I am only reducing the term because the interest has…
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Another £444 paid!
Well i was dreading my council tax arrears but feel really good that we made the first instalment today, have to pay £444 for 3 months (one down, 2 to go) had to use the overdraft but we dont get charged for it and we have been saving the money to get that paid off as well so we just have to work out how to put it back…
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Company agrees to remove Default Notices! (need a 2nd opinion on my letter please)
Hi Guys, Apologies in advance for the long message. I recently acquired my credit report and was alarmed to learn that there are more than a few defaults registered against my name. Some have been following me since my last residence. Two of the defaults were with a mobile phone company who i had 2 seperate accounts with…
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Company agrees to remove Default Notices! (need a 2nd opinion on my letter please)
Hi Guys, Apologies in advance for the long message. I recently acquired my credit report and was alarmed to learn that there are more than a few defaults registered against my name. Some have been following me since my last residence. Two of the defaults were with a mobile phone company who i had 2 seperate accounts with…
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Don't know where to go now
I finally plucked up the courage to seek help and I called the CCCS. Well I came off the phone in tears. They just lectured me!! and then told me to go bankrupt. This is not an option I can really follow as i would lose my home and job. I felt CCCS were only interested if they could set up a DMP - as this was not available…
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Provident Help Pls
(This is on behalf of my mum who just dont have a scooby about using pc's etc) (not sure if this is in the wrong section - sorry if it is) she made the mistake of taking a provident loan (while she was working but desperate) she lost her job recently (while still owing near on £2000) she visited CAB who gave some advise…
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My statement of account.
Hi, I have loans that total £31000 in unsecure loans which cost £817 a month. I also owe £11700 on credit cards minimum monthly payments about £350. I bring home between £1600 and £1900 and also get £169 in child allowence. The only other outgoings I have are weekly shopping about £100 and weekly petrol for myself and…
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defaulted till Oct 2009
I was checking on my credit report today and have seen that FN have defaulted me till Oct 09 and they have changed my repayment history. It now starts May 07 with 6 months of [?] then a month of [ok] then [1] then [2] and then all [D]s till Oct 09. Is this right? Lloyds have now decided to give me a [2] for Dec 07. My…
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Introducing myself
Hi, I am here as the title says, to introduce myself. I got into debt when my business didn't do very well. After a couple of years I jumped ship before I was pushed but managed to get a job. Once I started to get a regular income I did myself a debt management chart, which meant I could have been debt free by 2011. Things…
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help address for Bank of Scotland collections agency needed NOW
Hallo I've opened a letter proporting to be from Bank of Scotland offering me a 40% discount on clearing my debt. there is no address on the letter to send a CCA request to (although I suspect it is my halifax credit card) Does anyone know the address for BOS collections as i don't want to ring the number which is 0870 333…
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Should co-tennant effect credit rating?
A few days ago, applied for credit for some sofa's (interest free) for our new house. We did it all in OH's name as he has a better credit rating than I do (or at least I thought he did). They've rung us back today to say its been declined & they don't understand why. OH lives in a shared house, there are 4 tennants, all…
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IVA for a dummy
Sorry if this is the stupidest post of the day, but despite routing through reams and reams of info on IVAs I just can't get my head around them. Has anybody got some real life experience of IVAs? - are they much different from bancruptcy (sic?) - what are the pros and cons? Thanks for any help
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Payday loans, im screwed
Just wanted some advice. I have £1000 worth of payday loans with these cheque cashing companies i.e the money shop and cheque centre, from my student days. Ive been just rolling them over to the next month each time, however this month due to my boiler packing in and having to get it fixed Im now pennyless until two weeks…
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Confused what to do with MBNA Card
Hi Everyone, Just looking for a little advice here. I have just paid off the last £4.36 :rolleyes: off my MBNA card after they tried to stiff me with rates of over 30 something % on a balance of 2K. That is all paid off now and I went to close the card, but they offered me 2.9% until christmas this year. The strange thing…
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County Court Jurisdiction
I've just received a claim form from the County Court; I've been living abroad for the last 5 months and could prove this. Does anyone know whether I can contest the court's jurisdiction on this basis? Thanks
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Help!homeless and up to neck in it!
Hi everyone, Ive posted on here before reguarding my situation and the worst case sinario has finally happened. I had a pub business with my partner, the business failed due to various reasons (rent too high, smoking ban etc.). We fell into rent arrears and the pub company evited us last week (after a court battle which we…
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administration order
hi all around 6 years ago i applied to my county court for a admin order to be taken out as i was having financial difficulties at that time but about 2 days ago one of the creditors contacted me saying they were going to take me to court if i dont repay the full balance i explained about the admin order and they want me…
