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At my wits end
I need help !! Basically both hubby and me had a nice business but due to health issues it all went t*ts up and now we both employed with a rther smaller (although healthy) wage, but the problem is the mortgage has tripled (was on a v.v.low rate) and have a secured loan aswell, we have been on reduced payment with both…
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Bankruptcy - Trustees ripping us off.
it started with my wife not telling me we owed the rates £2500 and also not telling me they were applying for bankruptcy, we are now bankrupt, with add ons the bill was £5000, the trustees reckon they have found extra debts, another rates bill of £11000 !! a tax bill of £6000 which i don't owe as i am ongoing with the tax,…
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Newbie
:D Hello, I'm new here. I came upon the website after seeing Martin on GMTv. What a godsend he is.:money: I've been reading through a lot of the posts and there is loads of advice. It is comforting to know there are others in similar situations to myself. I will get round to doing a SOA after I have sorted through all my…
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Daily Chat Thread - 13th May
Morning everyone.. couldn't see a chat thread anywhere so thought I'd start one. today I am mostly loving wireless broadband and currently sat in the garden with the laptop enjoying the sunshine :D aaaaaaaaaaaaaaaah bliss. Off toboganning (however you spell it..) at the Tamworth snowdome tonight.. can't wait! Going to be a…
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About to send off CCA request, a few questions if I may......
I am about to send off the template letter to request my CCA (from Lowell's) on a debt that I believed had been paid off 5 years and 10 month ago, so not quite statute barred if anything is outstanding on it. They claim I owe on a Lloyds CC (I have just read several similar threads on this so it seems I am not alone). I…
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Help pls. The wife dropped a bombshell on me of £10k debt
Hi I dont know where to start and am feeling sick with worry over this My wife told me last night she had accumulated £10k worth of debt and had nothing to show for it on her credit card, and kept it all al secret and bottled it up I just dont know where to start so any advice is greatly appreciated We have a joint income…
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My claim back thread...
My claiming back charges thread. HFC/Marbles - £1726// MBNA/BOS - £827// Barclaycard - £562// TSB OD - £179//no statement// TSB CC - £1706//no statement// Capital One - £2237// First National/GE Money - £827//no statement// Lovell - £266//no statement// Nationwide - £-29.20//none//£360+ Owe//difference from statement…
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Hsbc...
When i first got paid it was by cheque (you may remember) and it hadnt cleared when my Loan payment went out (and was returned). I asked if i could make sure it would be paid. The guy said the cheque would clear on Friday and he would make sure a payment was taken on that day. Fantastic i thought, and yes it did come out.…
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£6K in a year...
Come 2009 I will owe £10,013 with my normal debt payments (going up by £50 if possible) I will be get the figure down to £5,813. How can I get it down even more and still have a life? I could maybe work two evenings a week, sell my CD’s (though can’t see anyone wanting them). Some of this money is interest which I’m hoping…
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On DMP but still getting charged interest
Alright im with payplan doing a DMP and a lot of the creditors have been passed to debt agencies i found out last month natwest are charging interest but payplan have wrote to them and asked them to stop, however i have one account with barclaycard and two with barclays CDCS (theyre in house collection agency) and wondered…
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Pap/Moozie's what have/will you spend today Tuesday 13th May??
Good morning :hello: Hope you are all ok on this lovely sunny day;) I have bought a loaf of bread from food budget, & found a £1 coin in a trolley:T Keep looking at holidays :o really want to go to Florida - so expensive in school hols, have got the money, just would leave nothing over if any problems with the car/house,…
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DMP's and becoming an accountant??
Morning all. I've just posted this in the Mortgage section! :o Hopefully someone can point me in the right direction! :confused: We entered into a DMP last year and its really working out well for us. However, my husband is currently studying to become an accountant and is due to qualify next year. Someone has mentioned…
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Random CTC Payment?
Ok I get my CTC payment every 4 weeks (last payment was on Friday) but just checked my bank and yesterday they made another payment. Anyone else had a random payment? Think I shall have to phone them as I have no idea why they would be paying me this money...and sods law they will ask for it back when they discover it in…
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Barclays/Clydesdale loan - Where to write to?
Hello, I have never posted on this board before, but you all seem like a cheery bunch, so I'm hoping you can help me.;) I have been going through my files and I think I have a loan which is due to cease payments in September 2008. The loan was originally with V12/Clydesdale Financial Services, but now my bank statement is…
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Get Martin Lewis a Knighthood
Join Date: Jul 2006 Post Count: 766 Thanked 495 Times in 278 Posts Get Martin Lewis a knighthood http://petitions.pm.gov.uk/Rannard/ Hi guys someone has started a petition to get ML a knighthood.:D
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Tuesday 13/5/08 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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OH still Spending
Just found out yesterday that my oh has spent 250 pounds last month on something we do not need and I dont even want, incredibly selfish considering I need new trainers (have had the same pair for 5 years now) but am waiting till we are debt free unless they fall apart! It seems as fast as I am sorting out paying stuff off…
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relentlessly pursued for a debt I don't owe!
this is the third time I have had it since I have moved, that i have been threatened with allsorts since i moved for a debt I dont owe. first two I managed to sort out quite easily by telling them I dont owe a penny and wasn't going to pay a penny, both gave up in the end. however the third is turning into a nightmare! the…
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Have I blown a good chance to remain free?
Hi all, please assist with any information on my predicament. I started DMP with CCCS in Nov 06, due to the lack of job at the time, I strugled to make payments and my plan was almost cancelled but then I got a job so paying was ok. My review came earlier this year and since the start I had left a debt out though I was not…
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how long will it take to rebuild my credit score from poor to good?
Hi! I just got turned down for car finance at cargiant, thanks to my credit score which I realized has gone from FAIR to very POOR within a year due to slow payments and two-three late payments, all thanks to two of my credit cards. I can easily pay off the cards in three months, but just wandering if u guys or Mr Martin…
