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Confused and not sure what to do!
Hi All This is my first time on a chat board ever so please excuse me if any mistakes made! We have finally admitted to ourselves that we have a major problem with money and after a lot of trawling through websites went on to cccs site and did the debt remedy on there. It suggested a DMP was suitable for us but trouble is…
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Debts getting cleared?
Hi, I've had a debt with the bank for approaching 5 years now. its for about £3000 and they haven't pursued me about it really since i ran it up. Now all of a sudden there's letters coming through left right and centre. Is it because after 5 years debts like this are automatically cancelled or something? That would be very…
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Time to finish this off!
Hi all, I just wanted to post and get myself into the habit of checking the site (which I've already been using thanks to the amazing tips). I've been in debt since uni in 1997 (at most £12,000). I had my ups and downs with money but have lived a lot along the way as well.:D I turn 30 this year, have no savings, and am…
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Promise Debt Solutions?
Hi all, Looking for some advice please! A bit about us first, we're both 25, married, bought first house last year and have a baby due in May. We both work full time but seem to have no money left by the time we've paid out our debts each month and whilst we're just about getting by now, god knows how we'll manager when…
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Please help....
I was contacted last week by a new department at the BoS, called the "money management department", after running through my income and outgoings suggested I speak to a company called Think Money Group, I agreed and had several lengthy conversations, and eventually agreed to a DMP with Gregory Pennington and a managed bank…
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Credit Report : 1 Report 2 People Mixed Identity
Hello some advice needed. I have the same name and address as my father. I bought my Credit Report but it was a combination of his credit and mine. His was all good with perfect repayments and as much credit as he needed. I had a defaulted overdraft. His Credit Card providers slashed his limits and called him a bad risk.…
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Sand-dancer faces the music - finally
Hi.:o Ive posted on a few threads but always found excuses to not start my own. But this must be my Lightbulb moment! Before I actually show you my debts, I need some advice on what you all think about Debt Management Agencies. Im the type of person that has such great intentions to pay what I owe then something happens…
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First National Personal Loan
Hi, I am new to the message forum and would appreciate some advice. I took out a personal loan with First National in November 2004 for £4,000. The repayments were £103 per month. Unfortunately, shortly after I encountered financial difficulties and had to cancel the direct debit. I went to the Citizens Advice Bureau in…
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F & F Settlement - Advice Please
Hi folks, I have been in a DMP with Payplan for 3 years and all has gone fairly smoothly. My Nan has just died and I have come into some unexpected cash. The amount is just over 50% of my outstanding debt. (25k) I really need to spend about 3k on my house which has a dry rot problem I have been avoiding for the last 3…
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pension dilemma
Hi all my hubby is 50 in march this year andhe has a small pension he could take now what to do we do not know. Here are the figures Pension fund now is £23,435 Pension fund in 2018 projected at 40,455 have not got the yearly pension amount to be paid yet but in 2018 is£1170.00. Should we wait or take it now? we could do…
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old debt
First time poster so please be patient with me!!I have read somewhere that after 6 years a debt is 'written off' - is this correct?Is it true that companies sell your debt to credit agencys?Basically, I got myself into debt due to a disfuctional partner who didn't work, I did and had two children who I had to pay childcare…
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About to start DMP with CCCS soon...can i squeeze the last drops from my credit cards
My other half is due to start a DMP with CCCS on the 1st march... She has not signed the DMP agreement yet but she is fully intending to sort this out now. She as a few credit cards with some money left on them and since the credit card companies have already taken their share of money from her current account to pay the…
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Payplan IVA - To sign or not to sign
Me and my wife are currently applying for an IVA with Payplan and have just received our proposals, and suddenly alarm bells are ringing...Our monthly situation is as follows: Total monthly income for month......£1800 Total priority expenses for month....£1500 Creditors summary: (monthly/balance) Barclays Loan £67 / £2980…
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Which debt now?
As u can see from my signature i have managed to clear a drop in the ocean and i cant tell u how good i feel about that! Can anyone help me and tell me which one u think i should be focusing on next? obviously i have limited funds to play with at the moment but getting debts cleared has given me a real buzz, i guess i just…
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Decisons, decisions
I have just received a Barclaycard Platinum for balance transfers. I called them today to transfer my 16.9% Cahoot CC and was asked if I would prefer a LOB 6.9% rate with no fee or a 6.3% LOB rate with no fee! :confused: It was a tough decision :rotfl:
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Late payment charges.
Hi I haven't posted on here in a while as everything has been going okay...not good but okay. Until now. We have a car loan through a car finance company which is due to end May 2009. When I went to the CAB for help with debt problems I rang and told them that we were having finacial difficulties due to my husband having…
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The Unnecessary Challenge 2008
Right People... Not only am I finally back online.... I am back with The Challenge http://forums.moneysavingexpert.com/showthread.html?t=428001 Thats the thread and rules/blurb about the challenge! I've been away for far too long and I desperately need to reign it in! Starting earlier this year than last due to the freaky…
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Capital One Ref Debitas Agency
HI I HAVE A CREDIT CARD ACCOUNT WITH CAP ONE ITS NOW GONE OVER TO DEBITAS 0 IN HOUSE DCA OF CAP ONE I SENT OFF THE USUALLY CCA REQUEST FORM I GOT A REPLY FROM DEBITAS STATING PLEASE CONTACT US URGENTLY TO DISCUSS THIS ACCOUNT ANY BODY ELSE HAD DEALINGS WITH THESE??? PLEASE HELP SORRY FOR CAPS KEYBOARD BROKE :o
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ADVICE Please, Hubby hid debts
My husband and I have been married for 5 years. When we met, I owned a house, and had lots of assets. My husband shared a rented house and didn't even own a car. He drove a company vehicle, but l didn't find that out until I told off his boss about repairing a dent in the door the boss had made. I didn't stress too much…
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wanting to improve debt problem!
hi all thanks for taking time to read this first. This may turn out to be quite a long thread, im hoping for some good positive feedback here. 9 months ago i started working at a new care home after spending more then 5 years at a previous pysciatric unit but still providing care. In my previous place i was a senior which…
