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Decisions...decisions!!
Hiya, I am a newbie here and have been reading several threads about bankruptcy and IVA's. I am greatly bouyed by seeing the support and camoradery on this site. I too find myself in the position of chosing between BR or IVA. Having looked very closely at what my likely monthly payments would be under an IVA and my…
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Credit Card Conundrum
Im looking to start paying off my debts by clearing my credit cards first. Between us me and hubby have 6 credit cards, ranging from 18.32% to 33.94%. Do I start with the one with the highest interest rate first and work through them in descending order or start with the highest balances first (even though 3 are in the…
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Need to get debt free and live a better life!!
Hi All :j Well I suppose its a little late to be doing a new years resolution but i really want a fresh start. I am in debt - not too badly but still its unneccessary debt. I am particularily rubbish with money. Am starting to keep a moneyspending diary and have started to take my own lunch to work and travel by train to…
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Made Redundant
Evening Everyone - I have a query I hope someone can help with though it may be the wrong place to post this.....? I've just been made redundant :( and I've been on a DMP with CCCS for around 8 months. My redundancy money is being paid into a bank which has no connection with any of my creditors (I've checked!). Although…
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CCA help needed
Hi All, I know its probably been explained again and again but I was wondering if there was anyone who could take me through the process of obtain CCA's for all my debts, complete noob when it comes to it, so need step by step instructions. If anyone could help I'd be really grateful! x
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First steps
I have read your forum over the past few months and realised that I am not alone and thats theres plenty of other people out there in the same situation - so firstly thanks to everyone who has been so honest about their situation and this in turn has given me some courage to start looking at my own. I took the first step…
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Debts! Debts! Debts!
Hi everyone, I just need some advice. I have numerous bad debts (some in 5 figures) going back 5 or so years. I cant remember the exact amount as its to lots of different creditors. All of it is unsecured credit card debt and one of them is an unsecured loan. I recently got my credit report and noticed some but not all of…
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Needs and Wants
I've always lived quite a comfortable life yet dont earn very much. One of the biggest lessons in many wealth books is living within your means. One of the most useful lessons to learn is the separation and identification between needs and wants. Fact 1 - Everybody wants to buy stuff, most of which we dont need. Fact 2 -…
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Updated - Connaught Collections - Statutory Demand
Help - I have had various letters from Connaught Collections for a debt of around £2000. Since being on this site I have replied with various of the template letters, but have never had a response from them. Although they name a creditor, I have never heard of them and they cannot/will not tell me how this debt occurred or…
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bad credit business account
hi all, anyone know how i can open a business acc with ccj both paid and unpaid. im proper in the poo. heeeeeelp
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Newbee asking for advice
Hi, I am looking for peoples opinions as to what I should do with my extra income. My hubby is in the building trade and as it is looking dire at the moment, I have opted to go back to work. We can live on my husbands wages (all bills and minimum payments) and so my £230 per week will be spare. My gut instinct is to use…
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BR on the cards.
Hi guys..... I have seen many people posting diarys etc on here so i thought i would post mine, it may have relevence to some people and may even help through this sticky period. I was serperated nearly 3 years ago and was left with huge debts, all cards and loans. I managed to keep my head above water untill now, the last…
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Credit file
I'm not sure if this is the right place to post so sorry if it's not. I checked my credit file with credit expert yesterday to find that it's clear! I mean last time I checked, I had a 'left address with no forwarding' thing on it which is gone?! Has this gone because of the time~? Has it dropped off? Can I find out? All…
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Red Castle Recoveries
Hi - just wondered if anybody can help with some info on Red Castle Recoveries. Today, I received a couple of missed calls on my mobile and a couple on my landline (no messages left). It was a number I didn't recognise from Worthing. On doing a Google search I have discovered it's Red Castle Debt Recoveries and the Google…
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Improving Credit Rating - Please Help
Hello, A few years ago as a teenager I got into some trouble finanically. According to my credit report (from checkmyfile.com) my credit score varies from about 400 to 535 depending on the credit referency agency. I defaulted on a small loan in May 2005 and then immediately settled the balance the following month. I also…
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4 days til C day the moral support and not to forget stuff thread
Well we are now on the final lap to C day - containerisation day of our house. I need somewhere to vent, and to write things down to try and get them done, so hope this is ok Things to do Find the insurance form. If we don't fill that in and the container does a swan dive off the deck:eek: , then no money to buy a whole…
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Great payment record BUT need to make 80% F&F settlement offer!
Hi All! My predicament is this: My partner and I have just split. I have now become the sole occupant of the house (and the only person paying the mortgage). However, this is not the problem.. The main issue is that I have been left with 24.5K of shared unsecured debt which, although I have never missed a payment, I can…
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PayPlan or CCCS???
We're in DMP with PayPlan but are considering changing to CCCS...is it possible to do this?
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Would you go to concert on your own to save cash?
HiI was wondering what anyone else would do? I love Elton John and he is playing in my home town in a few weeks time!!! My mum has given me £30 for my birthday towards a ticket but I have no one to go with. OH hates concerts as I have dragged him to Westlife a couple of times and it cost a fortune for him to sit there with…
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Pap/ Moozies what have/will you spend Sunday 18th May??
Good afternoon :D Went to the tip, then on to Tescos as our recordable DVD player has broken, need it for tomorrow, so couldn't order online etc Triple points! & used £5 worth of vouchers ( nice lady on till;) ) & £4 off £40 till voucher!! so only £48.99 :p ( £9 off ) Trouble is useless at setting things up & so far have…
