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up to my £40,000 eyeballs in debt
HELP! BELIEVE IT OR NOT I'M NOT A BIG SPENDER! :j After 4 years at uni, working & travelling abroad & 6 months unemployment on return to the UK:eek:, I was faced with a HUGE amount of debt which I managed to consolidate with an HSBC graduate loan :T (low interest fixed over 6 years) but was stupid and paniced and signed up…
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aqua credit card debt.....
has anyone any advice on this? i have a £500 bill on aqua credit card which i can only just afford the minimum payment of £15 a month on but, now it is off 0% interest it has gone to 39% and of that £15 a month £14.54 goes back on for interest so im only paying 46p off - i cannot afford to pay it off in one go and cannot…
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Dreams and Aspirations-What are they???
Just chatting through a different thread and someone told me to focus on my dreams: My dream includes earning £23-£27k per year. Maybe 2-3 years time? Having another beautiful baby. Pref a boy. Again in 2-3 years time. Having a renault megane scenic or Peugeot 308 cc. (I know which one is more practical he he) 5-8 years…
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Can We Still Sleep At Night??
Hello everyone who is on a dmp I was wondering to myself today and even at night about my situation and how I got myself into this mess! I came out of the debt closit last may07 to my girlfriend. She went mad at first but really supported me in the end and even though it will take about 10 years to clear my debts, she…
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Need to borrow £31,000 to pay off debt with crazy interest
Hello, I'm really hoping for some good but simple advice as I am very new here. Basically, in 2004 my mum released some equity on her mortgage-free house. She borrowed £24,000. She was unaware of the consequences of the compound interest. It's something I'm personally unfamilliar with - I'm just quoting her. Now 3 and a…
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At last dealing with debt
Hi guys and gals! Just a quick up date. Have spoken to cccs. Have an appointment booked on wednesday next week. Was the hardest thing I've had to do since telling the kids that their dad and I were getting divorced! But I've taken the first step!
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Jealous of my boss-Help
Hi All, I hope someone can give me some advice. Here's my problem: I am 25 fully employed to the tune of £18,350 basic plus bonuses. My husband is 28 again fully employed earning approx £20,000 plus bonuses. We have 2 children aged 7 months and nearly 6 years old. My boss beat me to the job that she has back in November. I…
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5 Years discharged and still no hope
Hi there, this is getting beyond funny. My Hubby is a discharged Bankrupt since 5 Years and still cannot open a simple Bank account nor can he co sign our daughters Bank account. We got his Credit report which looks fine except the mark from Abby. Well according to them they don't know anything. Funny that is. The manager…
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A little in debt a little confused
Posted this in current accounts but got told to try here... Sorry newbie here tried to find out what I need to know reading back on past threads but there is so much to read and i couldnt really find the answer i wanted. Anyway, I have a current account at Natwest that has a £1000 overdraft. I really want to get and pay…
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OH just lost his job
:cry: :cry: OH has just lost his job and on today of all days (my 26th bday). They did it over the phone, rang at 8:30am today to say don't bother coming back in. (we both have today off as a holiday from work to spend my bday together). His 6mth probation was up and thats it, out the door. :cry: Have no idea what where…
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Doubling-up cashback sites??
I don't know if it's possible but can you earn cash-back via two cash-back companies for a single purchase? For example: If I buy an item on eBay, can I earn Nectar points (Nectar eStore) and Greasypalm cashback? Or am I just being greedy?! :p Regards, Miles.
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In debt need advice please
Hello everyone My and my partner own a home 5th year of mortgage- we owe £92,000 that includes additional borrowing .... My fixed rate of 4.39 is up in Oct of this year and the additional borrowing is on the svr at the moment at 6.16% total includes both -£616 a month My salary is £16k ( no including overtime ) my partners…
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Unexpected letter - advice needed.
This is my first post, I am however a lurker on the OS board. I have never really had the need to ask advice before this morning..... I moved into a rented house with my OH in October and have never had any reason to believe he may be in financial difficulty, he has a current account with CG card etc and 1 credit card…
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OFT Guidelines help please.
I read in another thread about companies who ask a debtor to borrow money in order to pay off a debt with them goes against OFT guidelines, is this correct? Reason I ask is that I applied for a job in a collections department (don't worry, I'd have been one of the nice ones ;) ) and the literature provided stated that on a…
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help i think it is any way
I have spent the week end helping a friend in debt due to my past debt crisis now resolved , i thought this may help some on here he had 3 debts with cabot debt buyers , 2 with robinson way , they sent him letters with an email address where he could set up on line accounts to clear debts which he admits he owes , he made…
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*&%$^£" ... Hsbc
I am so annoyed at HSBC this morning... I have a Standing Order set up for payments to my mum (to pay off the debt i owe her). However we decided that I needed to pay off ones with interest first, which meant i called up and cancelled the SO over 2 weeks ago. And guess what has just come out of my account... £500... :mad:…
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Robinson Way have now sent me a CCA
Help!!!! I cannot believe it after all this time - disputed since November Robinson Way have finally sent me a copy of my CCA What do I do?
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Settling an IVA early
My partner has an IVA (2.5 years old) from before we met, but her income has now increased (and should continue to do so) so she is having to pay more than the minimum £200 per month. It may be better for us to try to settle the IVA early, and in previous threads I've been advised that we may be able to make the creditors…
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full and final settlement offer
Hi fellow DFW's... I want to send a letter to the DCA dealing with my HSBC cc and offer them a sum as a full and final settlement.... I'm sure there is a template letter around here somewhere but I can't find it! Anyone know where I should be looking??
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Is this what it would feel like to be Debt Free? My challenge!
Since December I've been keeping track of how much I've earned from surveys, clicks, eBay, etc (and more recently the joys of online bingo free trials!). Putting my figures into my spreadsheet this morning, I realised I've made £105 so far this 'month' - I count my financial months starting on 23rd when I get paid. Now my…
