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2 steps forward but about 20 back!
Hi All, lm newish on this thread but if it was'nt for this site l think l'd want to kill myself. (l know that sounds dramatic but lm sure some of you have felt this way at some time) Myself and OH have been keeping the wolves from the door for sometime now getting on quite well, then my mum got ill and was in hospital for…
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My SOA,
hi, i know its not alot of debt, just wondering if anyone had any idea what i should be paying, i am about to start a tempory job which is £7.50 per hour and i do 25 hours so i think this equals about £160 take home a week so Income - £160 weekly Debts Mint Credit Card - £495.03 Limit is £500, i always pay the minimum…
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Next Debt Passed to Collectors
When i checked my credit file i had an unpaid debt to Next for £96. I didnt even realise i had any money owing on my account, and as such had missed payments on it (9 to be precise! :eek: ) (i bet it was for the £3 catalogue or something!) Anyway, i rang them up and its been passed to a debt collection agency. I got the…
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1st steps.......
Yesterday at work i came to the long awaited decision thats its time to do something about my debts, then last night i got home and cut up my credit cards :) i feel free allready :)
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Letter from Optima Legal
I will be calling Payplan later today about this but basically, I've just started a DMP through them and I spoke to MBNA about 3 weeks ago to tell them this. I was told this was OK, thanks for letting them know and they will wait to hear from Payplan. Yesterday, I got a letter from Optima Legal saying MBNA will be taking…
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IVA circumstances change
A friend has confessed they have an IVA but their partner's just left and so they can no longer afford to live in their house. Without the extra income of their partner they are about £500 short of paying rent and bills (ie: most of it) - what do they do? Can an IVA be reduced? Is going bankrupt the best option? She's…
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Pap/Moozie's what have/will you spend today Wednesday 14th May??
morning all:hello: should be a nsd here:rolleyes: hope everyone is still enjoying the sunny weather (how much more i wonder :think: take care all; i'll report back later:rotfl:
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newbie looking for any help and advice
This is me pulling my hair out and asking for help. so here goes had my light bulb moment on sunday when i finally lost the plot. My OH has no idea about the stress thats involved in trying to sort our finances no matter how much i try. He has his head firmly covered in sand. over the past 7 years we have had to extend our…
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Daily chat 14th May
Morning folks :wave: I'm going to the hospital this morning for my CVS test which I'm a bit nervous about, still not 100% sure it's the right decision but it does make sense. I'm going on my own because hubby went off on Amy McDs tour yesterday. I just hope they let me drive home afterwards. We've decided to tell people…
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Charges against property!!Help!!
Can someone in the know please advise me? Firstly... We have recently been notified of two charges made against our property by Credit Card companies. When we took out these credit cards it was as an unsecured loan, so is it legal for them to turn it into a secured loan without warnings as you get on a secured loan stating…
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Question re: New Bank Account
Hi Guys, I have a question which I hope someone can answer for me (I think I am just being stupid and paranoid so hopefully someone will set me straight..) I have a poor credit rating and am on a dmp, I want to open a new bank account - during the course of the application I need to give employers contact details..why is…
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Help with loan advice?
Hi Guys and Girls, Asked for help on here before and it was really useful, ive posted on the loans section this morning but to no avail. :confused: I took out a new loan on saturday after thinking finances through etc. Went ahead with it over 4 years. However got pay packet today and the amount they are taking for my…
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yet another dumb moment, me thinks!
i am on a dmp with cccs and over the last couple of days had letters from egg saying that they are passing on my loan and hubbys loan to a dca. both these loans had ppi on them as had to have ppi to get loan, and i think they are what you call front loaded where the ppi gets added on to the debt at the start. does that…
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Help again
Hi again, Well I've told my husband about all the debt. I was called into the bank today to discuss the account, shocked to find I am in actual debt of £40 000; because added together debts look very different. Basically, she've asked me to separate the account into bill paying and spending and also, more than suggested…
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Told Partner - not speaking now - my story.
So i declared all to my partner. I am not a regular on the DFW board, however I should be. The state of my finances is horrific. I am just over £10k in debt. one loan (6.9% - £6975), two CC (both on 0% now till march 09). All this on a £600 a month wage. (I`m a mum the rest of the time). I am discusted with myself for…
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So Stressed.....
I'm on a DMP with PayPlan....have been since feb.,......things is I'm so stressed.........still struggling financially and don't know how we're going to manage.....had 2 days off work unpaid last week as was stressed as had a health scare [ was dx with breast cancer in jan., 04, and had to have another biopsy friday 2nd…
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Any motivational tools most welcome!!
Hi everyone I've been putting this off for a long time but with my 30th birthday looming I have decided it's time to grow up and face facts, me and my partner are in £27k debt :( BUT we are both up for the challenge and want to pay this off asap (credit cards first hurdle - £12k) I have been looking at the posts on this…
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Unused Accounts
I have just checked my credit file and noticed to unused credit accounts on it. One is Studio Cards. I bought some christmas stuff off them about 3 years ago and paid the first invoice in full. I noticed they have given me a £2k credit facility even though I doubt I will ever use thm again. The second is Debenhams. About 5…
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Help for new poster
Hi all you wise ones :D I've just seen THIS on the vent board, I expect it'll get moved up here eventually but for now, can you help her out? Ta muchly
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Is Marbles the new MBNA
for nastiness and generally unhelpfulness? I only ask as I phoned them up last night to ask if some arrangement could be made about reducing the interest rate (most of the monthly payment seems to be swallowed up in interest) and perhaps reducing the payment and the guy on the other end of the phone was so patronising it…
