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Iva
Hello. my son has got himself into debt with credit cards and a small bank loan, total about £16000, He has contacted IVA and shown me all the paper work. To me, it looks too good to be true. Is there profit in it for them and are there any catches? He is worried about his credit rating when all his debts are paid Any help…
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Should I pay off my overdrafts ?
Hi First time poster so be gentle.... :D Basically, I've accepted that I'm overspending and in the early stages of potentially getting myself onto a slippery slope. The good news is I've recognised this and am busily sorting out my credit card debt into manageable chunks at 0% via bank transfers etc. I'm pretty well paid…
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House Repossessed + £96k debt
Below I have attached my original post for those who have not seen it yet. I have had some useful feedback which I am following up on now. I have a debt of £96k (according to the West Bromwich Building Society - see below) I have been told that it may be possible to make a settlement payment possibly as low as 10% - can…
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Wil lthey accept 5% or is BR only option?
Evening Tonight I have finally got myself socut for sorted, got my credit reports and checked what I owe. On the plus side one of my debts has been randomly settled! Bad news - my debt is at just under £25,000. Earning more money is not really an option as in about 4 months I will be training for a new career and taking a…
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New Job and Q Re Mortgage Payment Holiday
Hello everybody! Here I am with a little question! i have been offered and have accepted a new job - yippeeeee!! but, dependant on my start date I am concerned about bill payments as I am likley to get a lower final pay from my current job and then will have to wait 5 weeks before recieving my new pay from my new job. My…
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Crapquest...Can I get my cash back?
Hi all, I've had a HBOS debt for unpaid overdraght and stuff for a while now, I've had Crapquest collecting this from a phone call for about 3 years, They recently wrote to me and said they were upping my £40 payment to £48 and had a balance of 654.99 still to pay. I've never had a signed CCA off them or a deed of…
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charging order/ccj & unfair penalties
hello there, iam new to the forum & any comments/advice would be wellcomed, iam due to go to court for a final charging order at end of the month DCA bought my old credit card debt from barclaycard & obtained a ccj against me, i was quite ill at the time it went to court, so was unable to defend it , and was ordered to pay…
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Cards and overdrafts - when to cancel?
Hi all We've been making some progress with the debts, which currently stand at: Int rate Max cred avail Bal end April Target end May Flexiloan 16.8 500 £0.00 £0.00 Current 18.8 1500 £837.69 £500.00 Visa 16.9 10000 £7,390.58 £7,290.00 Joint 17.9 3900 £3,686.18 £3,600.00 Goldfish 4.9 2100 £1,899.01 £1,850.00 So, there is…
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Some decent people left in the world!
I was heading into Leeds today to do my exams, and I called at Greggs to get some breakfast only to go in my pocket and find that my purse was no longer there, I'd obviously not zipped it up enough. So I get all stressed out and teary because I had no money, already quite stressed with exams and retraced my footsteps a bit…
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My Bank Fight Is On Tv Tonight....
Hi all I have been fighting Barclays and Legal & General for almost 2yrs over a "Key Person" business Insurance policy that didn't pay out when hubby became unable to work in our business. I posted to this site last year when I was desperately trying to keep everything going while the Financial Ombudsman was reviewing our…
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<NEWBIE HELP!> Ditching Eurodebt -What are my options?
Hello I’m new here & was hoping for some advice about ditching Eurodebt & the options available once I do so. First off I’d just like to apologize for this very long winded post, I typed this in Word & only realized at the end that it’s 2 A4 pages long!! My history....Married 2 (soon to be 3) Kids, I work full time, my…
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Help purchasing cheap medication
hi, i have three prescriptons from my doctor, and have no spare money but i do need to fill at least two of them, which are the best sites where i can purchase medication from??? i have managed to locate them from different sources, but they add up to more then the scripts would with P&P from different sites and nowhere…
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Throwing mortgage money at debt?
Hello :) I am a newly converted MSE (and DWF!) and am after some advice please. I have debts totalling £7000 (CC and overdraft). I previously posted an SOA but even after making every cutback, grocery challenges etc, I am still struggling to have any money at all left over at the end of each month, most months I go over…
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J2 Solutions - How do I deal with them?
I had a letter come through my door at the weekend from J2 Solutions. It was addressed to the occupier. It had my address in bold underlined along with my previous name (I changed my name via a solicitor over a year ago) and my name before I married. It was asking if ‘the occupier’ knew me or if it was me to contact them…
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Help
Hello, I am new to this site and was just after some advice as I am not sure who to go to. I have debts amoutning to approximately £15,000 on various loans, credit cards and overdrafts, all with varying interest rates. I am able to make my minimum repayments but feel I am just making ends meet from month to month and want…
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Bank Charges
HI, This is my first post in the section so bear with me. Im not the wealthiest person in the world, far from. I have debts of around 20k. 10k of that is for my motor bike and partners car HP. I earn around 37k a year and partner is 10k although she is changing jobs this month to 17k, but we will have around 6 k a year in…
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can someone explain a dmp please
Hi, Thanks for the advice, but what will a dmp mean to me and what affect will it have on creditors. Could they turn around and call in debt when they've had enough of reduced payment?
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please help i owe amonts on 2 c/cards i canta fford to pay
hi all I owe £1100 on egg card they called me and cancelled the card ?? i wasnt ware iof this but i need to pay the balance I owe £900 on abbey card both total = £80 a month I really cant afford to pay them with my re mortgage due in October as well Can i come to an agreement with them both to pay only £10 a month ?? how…
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OK so what should I do?
Hi everybody, 1st time poster so im hoping i can get some good advice. I'll apologise upfront if this is a bit long winded. Was going through my finances and well im in an absolute state. Ive had a look online and used a SOA so I hope this helps... My wages per month £920 total £920 outgoings Halifax unsecured loan -…
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DMP and IVA
Hi there, I would really appreciate some insight into what the key differences between a DMP and IVA is. As after looking it up they just seem to be the same things. Is your credit rating better in a DMP and can you leave an IVA to a DMP. Many Thanks
