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Anyone ever had there o/d cancelled by RBS??
Anyone ever had their o/d cancelled by RBS?? Probably a totally hypothetical question but has the RBS ever cancelled anyone's overdraft?? If so did they just remove it with no warning or did you get a letter stateing they would?? Logged in to check my online banking to find out cash availible in both my accounts is zero.…
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OH's Debt - Any Advice?
Hi Everyone, Sorry if this turns out to be quite long, I tend to babble on a lot! My OH owes £675 on 1 Barclays card and £4000 in another Barclays card. Interest rates on both of them are stupidly high - 1st card is 22.5% and the 2nd is 26.5%!!! :eek: Last night he applied for a Virgin 0% on Balance Transfers for 15 month…
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Credit Card Help
Hi there, first time poster! Anyways, I recently (last few months) got round to sorting out my debts (credit cards from uni, new house stuff, and living a lifestyle beyond my means!!) Anyway, my current debts are: HSBC Graduate account (£1,200 overdraft (£1,500 limit),of which £500 intrest free. Paying about £3 per month…
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Daily Chat 24th June!
Morning! How is everyone day? All good here, the sun is out and the sky is blue! I survived my 1st Aquafit class and even managed a laugh :D Although the stairs to my desk were interesting this morning :eek: Have fun everyone! x
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Tuesday 24/06/08 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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Is there anyway I can get my CC companies to reduce the interest?
Hi, we are moving to a much smaller and cheaper rented house and are implementing budget diaries, have sold one car, cancelled Sky, do food diaries and basic cooking again, got cashback mobiles, do 18185 on phones, do Greasy palm and Quidco everything and have slashed our SOA's by reading DFW. We have about 40k of CC and…
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Truly horrendous credit history!!
Hi everyone I'm new so be kind :D I have horrendous credit. After a period of ill health and a severe drop in earnings everything went vert bad for me last year. I now have a total of about 8 or 9 defaults and a CCJ on my file! :eek::eek::eek::eek: Plus there may be more CCJs on the way as I'm unable to cope with the…
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Getting things off my chest...
Hmm. Not really sure where this fits in and whether or not it even deserves the support and sympathy you guys so regularly display on this board, but I am so fed up with myself and the debt situation I am in. The debts are entirely of my own making and get worse as I keep adding to them by foolish, emotional spending…
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Newbie - Debt free in 24 months!
Hello, Newbie to the forums here :hello: I've been reading the forums for a few days, and have decided to really work on getting rid of my debts, my debt free date that I'm working to is June 2010 (or earlier!) and I've already started a spending diary to see where my loose change is going! My SOA is here... Incomings:…
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how to offer full and final offers?
My circumstances aren't likely to change in the forseeable future and was thinking of offerng full and final offers to my creditors- I have 8 creditors and owe around 8,500. I was thinking of offering around 50 pounds per creditor, I really can't afford anymore, I called 6 companies,no-one will accept me into a DMP as my…
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Old Debt - Offer To Pay Less Received
Hi, sorry, long winded background before the question! - I have an old debt that dates from when I had a small business about 18 years ago. it started out with lloyds at about £17000 and because i had little money at the time i started paying back at £25 a month which increased slowly and now I am paying £59 a month. At…
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Help & advice Please!!
Hi all I would really appreciate some help and advice on what to do. I am in debt with credit cards up to about £10.000, my husband has debts of about £20.000 but he has negotiated with his debtors and is paying regular payments to them. When I have tried to negotiate with them I get no where, and they say they can't put…
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When credit card collections can't find you?
I apologise in advance for this huge back story :o Last year I had 3 credit cards that I possibly missed one or two payments of but otherwise making okay. Now despite having failed to pay off my debt first as intended I decided to still go ahead with moving 200 miles away and going to uni. I moved in August, somewhere…
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payplan DMP moving abroad
Hi I was just wondering if anyone knew if you can still be on a dmp with payplan and move to the usa not a lot changes in terms of salary etc but I'm just wondering how you get on over there with Uk based debt? I know in the US your credit rating starts from scratch
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Long-Term DMP?
Hi everyone, I'd really appreciate your opinions. I really need some peace of mind that i'm doing the right thing. :( I've been advised to go down the bankruptcy/sequestration route, would much prefer to do a DMP, but am I being naive? I owe a HUGE amount, and from looking through previous threads can't seem to find anyone…
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Repsession hearing 30th June - need some help.
Ok, hope this is in the right place. We have a mortgage with GE Money (for our sins) and i have a 10k redemption penalty that finishes on the 19th August 2008. We are wanting to go for repo, and i would like to request 56 days to take us past the 19/8 so we dont have as much to pay - will the judge allow this or is the…
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Panicking about managing to pay debt
I've got an unsecured loan that I took out when with my ex. It was mainly to consolidate his debts from before we met but a portion of it paid of my credit card. We've been separated over a year, and although he pays me maintenance, he has never contributed anything for this loan. I got made redundant a couple of months…
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Help!!!! Full & final offers to Credit Card companies
Hi There, this is my first post and looking for some advice as to pay off credit cards. I am just about covering my credit card minimums but will be coming into a lump sum in about 5 months. Debt £30000, lump sum will be £15000. At this stage I would like to offer all credit card companies full & final settlements & pay as…
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Thames Credit-Harassment
Hi All, First post on here and not sure if this is posted in the correct section. Please advise me if it is not. My wife had a letter last year in May 2007 from a company called Thames Credit regarding an old Barclaycard debt which to her knowledge had been cleared off in 2000. She has had no contact regarding this since…
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Thank you ....
Hi everyone, I just wanted to say a BIG thank you to everyone that has taken the time to read and respond to my threads on this site. I truely believe this site and all the guidance, experience, support and recommendations are the sole thing that has enabled me and my OH to face up to and start actively dealing with our…
