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Finding the courafe - dmp
Hi all i've been a lurker for a while and have finally built up the couage to speak to the cccs who are putting together a dmp for me. Before being pregmnant my husband and i were quite care free with money and both on good wages and got carried away. I'm now back at work pt and the cards are drowning us. We're just…
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Excel budget planner question please!
I am trying to work out my loan repayments on excel on my budget planner to keep my overpayments on track Can anyone tell me if i have a cell with 17k in it (for example) and i want the next cell to show the monthly interest on that figure what is the sum i would put in (my apr is 6.3%) ie 17000.00 x6.3% x 365 divided by…
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lowells trying to collect an over 6 year debt
i had a letter informing me that capital one cards have sold my debt onto them which was for 498 pounds and 87 pence. Only thing is, this debt is from over 6 years ago. I googled this and came up with a staute barred letter from another site. I printed this off and sent it recorded delivery. This morning i received a…
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My Banks mucking me arround "HELP"
Does a bank have the right to take money out of an account in credit WITHOUT CONSENT of the account holder and pay it into an account in debit to pay a direct debit ?
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Help with debts
I'm sorry to tag on to your thread, but i have no idea how to start a new one. I need advice on debt, I am a student and have a part-time job, they have just recently cut down my hours due to the company requesting all employees have hours cut down. This has put me in a situation were i can't afford to pay some of my…
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Student Loan - never debt free?
Hi, I was just wondering how people with student loans feel about them. Basically I've had mine nearly 10 years (the "new" style they introduced 10 years ago) and because I've always earned a low wage Ive only paid off about £400 (I'm currently just under the threshold and not paying anything). My total loan is around…
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All I wanted was my settlement figure!!
Hi All, Grrrr...I'm so angry! Am currently off work with what's thought to be a stress-related illness - GP doesn't know the full picture until my bloods come back on Monday.:confused: I contacted Beneficial Finance today to ask them for a settlement figure on my loan as I'm going for a financial review with my bank…
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That's it - Debt free is now my aim
That's it folks, I've had enough of not being able to spend my hard earned money because of my pervious built up debt. My aim is now to do something about it........any help/support would be much appreciated as I am new to this sort of thing. But here we go, I'm going to lay my cards on the desk as a starting point.…
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Roughly How Much Money Do You Hve To Yourself Every Week/month?
IE by the time you pay creditors, shopping, general household item, how much money do you have for yourself for a treat or emergency? I have on average £10 a week wihich usually goes to a chinese, thats £260 for bills :( Sickening, God forbid an emergeny does come up
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Payplan?...are they impartial? Advice please!
Hello I'm new (see posting earlier today). Still to do a SOA, hoping to find time this weekend. Just had a chat with someone at Debt Helpline (who do consolidation loans, Debt Management Plans and IVAs) sse: http://www.debthelpline.com Since making contact with them yesterday I discovered Payplan (Thanks Martin Lewis!),…
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Council Tax payments
Humph! Just a word of warning. Ive previously spread my C.Tax over 12 months rather than 10 which has made my monthly outgoings a little easier. I've just rung up to sort it for this month (paid full last month) and they've told me they won't allow that any more - council policy here. Apparently its not "fair". Just…
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Advice Needed on Re-financing!!!
We are currently struggling to manage our debts and seriously need some help with which direction to got to resolve them. We currently have a mortgage or approx £148'000, which is on payment holiday until August. This was intended to help us resolve some of the other debts, by using the £850/month mortgage money to pay off…
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Some advice please - CCCS vs Paying companies
Hi, I'm a regular lurker and irregular poster on these boards, and I'm wondering if anyone could give me a bit of advice. It's not for me but for my parents really. I have known my parents are in debt for a while, and they are on a fixed repayment plan. What I discovered yesterday is they are with a fee paying company…
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Wescot response to letter
After about 6 years of leaving me in peace to make my payments, with the occasional voluntary increase as and when I could afford it, Wescot recently started hounding me with daily phone calls - I say me, but it was actually my elderly mother who was on the receiving end of them, since she is at home while I'm at work. No…
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Hello: another newbie here! Need support
It's true to say that I've never really been great with money. Too many cards and catalogues, can't resist a bargain, useless filing system, always seem to forget to pay stuff off on time, live with constant overdraft, no savings, never earned much money (max earnings were £20,000 a year when working full time). And I have…
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Full & Final Settlement agreed, but help needed!
Hi all, I sent off my full and final settlement offers on Monday, and have just received the first one back. It's from Collect Direct (for M&S Money) Balance £5240.05, accepted £2167.53. The letter states that it will accept that figure in F&F settlement and will mark my file as satisfied, however "indicators will show…
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CCA they wont sign for the letter
I sent off a CCA request on Monday. Today I've had a letter from them saying how they've tried to contact me but I haven't written back and that they'll be sending someone round (I know they've got no powers, so I'm not worried). I checked online and the recorded delivery letter hasn't been signed for. What can I do now?…
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need help
New to site and unsure if I have posted this to the correct place. Have just admitted that I am in debt of 23,000. This includes credit cards, overdrafts, HP on car, which there is another 2 years to pay off and 2 personal loans. Struggling to meet payments, unsure what to do! Can you Help!
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What does this letter mean?
Last week I wrote to a DCA offering token payments, as I'm disabled and on income support. Today I've got a letter saying: We can confirm that we are taking no further action in this matter, and that our files are now closed. Now, does this mean that they've given up and that's it, or have they sold it on to another DCA…
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dirty tricks by Halifax?
dirty tricks by Halifax? or maybe I am wrong. I have written to the Halifax demanding pay-back of all default charges couple days ago, after they've threatened to close my account and pursue me for “money that I owe them” although hat money is a result of their unfair charges. Today, I have been surprised to receive a…
