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Dealing with my debts!
Hi I'm new on the board although I have lurked for a while! I started having debt problems 5 years ago when I became self-employed. I really struggled to keep up with payments due to the uncertain nature of my income and ended up over 50k in debt. I've now been with CCCS for 4 years and, despite a period of illness, have…
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debt free wanna be but need loan
hi all, i need a loan for £1000 to pay all my debts off, so i just have 1 payment goin out a month. But i have bad credit and 2 defaults. i would be paying the defaulted accounts off. I dont think a bank would give me a loan. Ive just started work and get tax credits. Can any1 advise me on who might give me the loan for…
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Bailiff Charges do these sound right?
Hi, It has been a while since I posted and I feel bad that this is another post for help/advice.:embarasse A quick history:- Back in march I had the Bailiff turn up at my house in the end they agreed to send it back to the office and I could make an aggrement to pay with them. Well I rang ever day for a 2 weeks and they…
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I've done it -Debt Free 15 months early
Hi everyone Am here to celebrate, I just paid my last credit card and overdraft bill, it has been a tight year money wise giving all my spare cash to pay back the bank but sooo worth it. Now my money is mine, even if I am going to spend the next 15 months saving for my wedding so will still be skint, at least it's my money…
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old debts with different address
just a quick question, and probably a stupid one. My husband had a history of bad debt and is now ok. Mackenzie hall wrote via other addresses last year ( HIS MUMS HOUSE AND OUR OLD ADDRESS) with debts that were more than 6 years old which we stupidly paid as we didnt know the law. My question is if my husband failed to…
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Please help
ive been reading these forums for months now and ive noticed that if a debts over 6 yrs it doesnt need to be paid i had an account with natwest over 10 yrs ago @ theyre now chasing me for money, when i tried to get in touch with them a few yrs ago they said they had no record of my account now theyre trying to get me to…
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Daily Chat:16/4/08
Morning! Up with the larks today-well, kids actually but doesnt sound as good... Busy day: FINAL interview for MFI laundry (bedding) ironing (aforementioned bedding) and clothes eBay contents of household (considering children if the price is right) Slimming World at 6.30 make delicious yet low fat yet highly filling yet…
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Wednesday 16/04/2008 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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Conected banks
Hi, I am in the process of applying for an IVA and have been advised to open a new bank account totally unconnected to any of my creditors. I am looking at either HSBC or Natwest. Does anyone know uf these are connected to : MBNA Halifax Black Horse Capital One Tesco Thanks ;)
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Drowning NOT Waving!
Hi I posted a few months ago about my debt, but since then have been just about keeping my head above water, however I now find I'm drowning and really need to know what to do next. A quick rundown, mortgage arrears of £600, loan 1: £5,000, loan 2: £7,000, Council tax arrears of £150, overdraft £1,100 (facility £950 - bank…
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Advice please re secured loan
I have posted on the House Selling thread as this relates to selling our house, but was also advised to post here as different people read this thread and might have some different advice. Short story: we have accepted an offer on our house (which was on the market for £275k) for £260K. The problem is, although this should…
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Global Debt Recovery/GM Law
Hi, I'm in the middle of a protracted battle with Global Debt Recovery and their solicitors, GM Law. Long story short I had a credit card debt with TSB (pre-Lloyds) which has subsequently been taken over by FV-1 Inc and pursued by the above. I had been paying small sums towards this debt while it was credited under the…
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tigger14
Hi just looking for a bit of advice for my mum, she has debts which she has tried to sort out, by going to a company called Hanover Sterling, has anyone heard of them and if they have, did they they any problems. My mother has been paying them each month and has just discovered that they have not been paying anybody and…
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Can anyone recommend an IVA company please?
I've pretty much decided to try for an IVA as opposed to bankruptcy. I've read loads on IVA's (and still not an expert)! I'm aware though that there are good ones and ones to be avoided. Can anyone recommend a good 'un please? I've heard of Clear Start and contacted them, however it seems that they are owned by Debt Free…
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help need advice on trying to clear depts and provide
total invcome per month 1250 725 hubbys wages 130 child benifit 360 child tax working tax rent 375(including arrears) c tax 140 water 57.00 tv liceince 25 gas 65 electric 65 phone broadband 30.00 csa 55.00 200 dept loans ect 20 xmas club total 1032 leaves 218 to feed and clothes cleaning products bathing products and…
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Help solve an argument - Voluntary Termination of a Hire Purchase Agreement
Hi guys My girlfriend bought a car on finance in the showroom four years ago and attempted to return it within 4 days, which at the time they refused. Obviously as it was in the showroom no cooling off period was given. However, we have been made aware that under the consumer credit act, if we attempted to voluntarily…
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Advice Needed Please!
After making a huge mistake and going to a debt management company, the three credit card companies I owe have issued default notices against me. I'm in the process of trying to sell my home to pay them off but can anyone tell me if my credit rating will still be affected for six years even if I can clear all the debts…
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Littlewoods Finance & nationwide Debt Collections?
Hi - Im in touch with the CCCS and currently paying token £1 payments to our creditors (£25k debt). Littlewoods wont accept our £1 offer but Im paying it anyway, (as advised by cccs) as literally dont have any spare £'s. Littlewoods wont discuss the debt with me or make any arrangement as they will only speak to cccs but…
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moorcroft letter only owe 26 pound
hiya I promised moorcroft by phone last week that I would pay the final amount £26 off this week, I get a letter saying if it is not paid by 18th April that they will have no alternative but to instruct their solicitors to commence legal proceedings against me without further notice. The actual debt is my old British Gas…
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Under £6000 to go Hmmm??
Well that says it all really, i feel like i am really getting somewhere now, even if it is really slowly, i have e-bayed all i can think off, do surveys etc, i just cant think what else to do to get my total down a little more, i am off sick this week so my sick pay, (if i get it) isnt goin to be a lot, i just need a bit…
