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overseas debt
I'm not sure if this is in the right forum so please feel free to move it if need be. Hi I was travelling around North America from Sept-Dec 2007. I origianally stayed with family for the first week and then returned there for the final two days before flying home. I left something at a hostel along the way, phoned the…
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Credit card help needed
:mad: Have just come off the phone with Barclaycard. We have started to try and sort our finances out and I posted my SOA here recently. It has taken far longer than anticipated and as it was my son's birthday this weekend, we didn't get much further than we were at the end of the week. Barclaycard phoned me last Thursday…
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Clearing a CCJ
Can anyone help me? I've recently started a new job which is quite well paid (for me anyway) and I can suddenly afford a new car and a house etc. I'm desperatly trying to build up my credit rating so that I can do this -- and by following tips I've read on here I've obtained a credit report. It shows the only outstanding…
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new here- starting IVA but cant sell house
Hi, I'm new to this site and looking for some advice and support. General background: my hubby and I bought a flat over 3 years ago ( with northern rock on one of there 125% mortgage deals, not good we know now) discovered soon after moving in that it had been house doctored and needed, new electrics, boiler, windows etc.…
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Mortgage/debt issues...
Hi I originally posted this on the mortgage board and got some useful replies, I was also advised to post on here... Approximately 18 months ago, I split up with my girlfriend of 13 years. We have a joint mortgage (currently £222,500 with not much equity in the property due to remortgage 2 years ago). As I moved out of the…
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Aargh- LTSB- bit of a rant...
I'm currently in the process of changing jobs (well, working my notice period) and going from monthly to fortnightly pay. As I know this will leave me short initially I am trying to be prepared and manage my finances. I've just called LTSB to request a one month payment holiday on my loan with them, which I have had for…
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Basic maths question re repayments !
I've just made up a nice spreadsheet detailing all of my credit card & overdraft debt, and the interest charged thereon. I'm juggling the money around as best I can, using 0% offers wherever possible, but now I want to target my repayments more efficiently... Is it cast in stone that I should be paying the most off the…
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Fancy a credit check
Ever wondered how Debt Collection Agencies get the info on you,well look no more. Every person who quite innocently check their files are really shooting themselves in the foot. read the link below and judge for yourself, not only are you giving all your details you are making life easy for others to track you.…
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Spending Diary of a Compulsive Eater
I have decided that I am going to try a new tactic in the fight against my eating disorder and that is to deal with it by proxy. I am going to focus on my spending rather than my eating with the hope that the eating will fall into place as I go. Due to my compulsive eating disorder, it is not uncommon for me to spend £20 a…
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Co-Op requests for info - are they right?
Hi Sorry - it's a long and ranty one... I'm just on the rounds of requesting extensions to my payment plans with my lenders (all cc's). It's pretty par for the course (barring 2, mentioned in another thread), but Co-Op are asking for quite a few things in addition to an updated I&E sheet.* Copies of three wage slips dated…
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Has anyone used www.wesabe.com for spending tracking?
Hi all Found this website randomly last night and wondered if anyone has actually used it or got any opinions on if it's any good? Seems to be an online spending tracker that you can link to your accounts 'all over the world', so I presume this covers the UK. https://www.wesabe.com/ Thanks! :D
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can a cca request backfire?
Just wondered if a cca letter (or letters!) request turn your creditors nastier/decide to request a full settlement/start a ccj etc? i'm sure its your right to request your agreement(s), didnt know if anyone had any thoughts..
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CCA query - will I p**s off the lenders?
Hi I'm hoping someone can help... I've got a payment plan going with all my lenders (all CC's), and have been on them for just over a year. They're not long term - all between 3 and 6 months at a time - and then I have to request an extension. This has been working as I say for the last year, but on my most recent request…
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Tea's 'Where has it gone' diary
Hi Everyone, Usual stuff, I have been reading what everyone else has been writing and I now think that it is my turn, but I am going to do a spending diary. I’m not going to do a SOA as although we are in debt to the tune if £15k, I want to try and see where our extra money is going and do what I can to make extra money,…
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Help, Worry keeping me up all night!
I'm so worried about my partner going self employed, its keeping me from sleeping. His (well meaning) parents have borrowed a huge sum of money to set him and his brother up in business together. This money (£43,000.00) was borrowed from a bank in his parents name back in October and is secured on their mortgage. My…
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Pap/Moozies what have/will you spend Monday 21st April??
Morning all. Hope you are all well and ready for a new week. If you need to spend please keep it low :beer: Me I shall have a nsd as I am off work ill. So not leaving the house today :D Take care all
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Daily Chat Thread 21/04/08
Good Morning everyone - I feel hungover this morning which is wierd cos I've not been drinking - think I must be tired and groggy - anyone else got the Monday blues - a full week of work ahead :mad: Anyway off to the hosp in a min and then into work so will speak later. Have a great day x x x x x x
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Monday 21/04/08 What small dfw things 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, when…
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Lowell Portfolio / Red Debt
Hi Everyone, We are looking for some advice on some letters we have received from Lowell Portfolio. Having never had such letters before we are a little lost as to what to do. We are new to the forum so please for give us if we cover stuff that’s been covered before. Any help would be appreciated. Brief History To date we…
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Marlin Financial services
I am in the same boat as many on this forum regarding Marlin. I am trying to find out if this company are actually taking people to court or just trying to scare us. Many people have been threatened but i can not find anyone on the forum that have actually rec. court papers :confused: Also wondering if anyone has ever rec.…
