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debt snowballer
I've heard a lot of people on here talk about debt snowballers and how they make sure you get the most bang for your repayment bucks and how this keeps you :j . So I googled it and gave it a go. On the one hand I'm :mad: that at the rate I'm going I won't be debt free until Sept 12 (and that's assuming I manage not to…
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debt management plan?good or bad idea?
Hi,really wrecked over not knowing which way to go.Have suffered three bereavements in 18 months,financially stretched emotionally drained.Offered help via debt manage ment plan,totally confused.Can anyone offer any advice ,debt approx £35,000.:o
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Letter from DCA - is this good enough?
Hi I found out I had a CCJ issued in 2004 last week :rolleyes: and paid the DCA the next day (last friday). I have just received a letter from the DCA saying: Balance: £0.00 We can confirm that, subject to clearance, our files will now be closed. Thank you for your assistance in this matter. *** I was told by National Debt…
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Biting the bullet
After battling debt and depression for 8 years( strange how they go hand in hand), I am finally contemplating bankrupcy. I split from my husband last year. I stayed in the marital home with our son. I went to court in feb to deal with the mortgage arrears which I have been left with, and am paying them back slowly. As a…
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strange
helping oh to do his repayments and to work out exactly what he owes and to whom was so strange,national debtline advised us to look up his credit file with experian etc,when we did we were shocked to find that his credit seemed to be ok.................he is about 23k in debt!!!!!!!one of his debts has got settled in the…
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Help me NCO debt collectors coming to house.
My DP has had a postcard put through the door this morning saying that NCO are coming to the house on Tuesday and I don't know what to do!! The debt is from an Orange phone bill of about £130 and he has been dealing with Orange in writing regarding this as he has been made unemployed and I am on maternity leave we are…
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Saturday 21/06/08 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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struggling but will get there
Hi, I am new to the site, but have found it so helpful this week that I thought I would join as it so supportive. Here's our sorry tale. My OH and I both work, I particularly am in a well paid job, and we both have had our head well and truly stuck in the sand for a long time. When we have hit financial difficulties in the…
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It's the 21st June....it's the Daily Chat
Good morning everyone:hello: Tis fine here this morning....hope it stays that way:cool: Dont know why I am so happy I am working today..with the HellDragon:rolleyes: I agreed yesterday to do the Moonwalk next year:eek: :eek: :eek: will have to get into training now:D Have a nice day y'all:j
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Please help.. DMP but banks refusing to cooperate!
sorry its gonna be a bit long winded..... i took out a DMP with kensington finance in november 07. my unsecured debts at that time were in the region of £16000. Kensington have been supportive and managed to get Barclaycard and Leeds building society to stop all interest and charges until my debts are paid off. The problem…
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Quick question re. credit score
Hi all, I hope I'm not breaking any rules by posting this off topic thread on this board! I'm interested in finding out what my credit score is. If I register with a site like Experian's and request my credit score/report will that somehow make my credit score worse? I don't know why it would, but I seem to remember…
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Help Needed
Hi I am new to this board so hoping for some advice, to cut a long story short I became a widow 10 months ago and since my late hubby did not believe in insurance of any kind, ie..life I have tried to struggle on as best I can, he cancelled both our endowments,(cashed them in) without my knowledge I now have to repay the…
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tubbys diary
Hi MSE, been reading for a while and got my finger out and joined up today :D Just a little intro I'm 21, called Johnny but most just call me tubbs or tubby and might be moving shortly for a new job so want to get a handle on my debts as it would mean moving into my first flat :eek: Income: £900 - 1200 (big gap i know…
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Recieved letter from CARS debt collection and really scared!
they sent me a letter saying that would be coming to my home between 8am and 8pm on thursday- I actually recieved this letter today, I've already sent them a letter saying im unable to pay the full amount,gave them my finainical statement etc, but this letter still came. I'm really scared about it and I dont want to call…
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Trust deed enquiry... please help!
I've recently relocated abroad and am currently under a Trust Deed in Scotland. Where I have 2 and half years left to pay off the trust deed then I will be Debt Free in UK. I have now settled in my overseas country and have no intention of going back to the UK. My inquiry is basically to cancel my trust deed monthly…
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Please help!
Hi We are thinking about taking out a secured loan for £25000 to clear debts. We have about that equity in our house. We unfortunately have a bad credit rating due to not paying creditors as we decided to become self employed and didn`t earn enough to afford to pay them. Instead we agreed payment plans which we keep paying…
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debt sold
Hi. I wonder if someone can answer my question. I received a letter today from MBNA saying that they have sold debt to a DCA but MBNA has never issued a default notice. So basically does a default notice need to be issued before a debt can be sold?
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Creditors failed to reply to CCA requests - need advice
Hi all Right I submitted a request, inc the stautory £1 fee, for a copy of my original signed credit agreement to each of my creditors, under the Consumer Credit Act 1974 (CCA 1974). Under the CCA 1974, and the [FONT="]Consumer Credit (Prescribed Periods for Giving Information) Regulations 1983 (SI 1983/1569) a…
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The blue forms have come. What next?
I've messed up my arrangement with payplan. I don't know what to do now. Basically i've received what I think are CCJ court payments for Northampton Crown Court regarding my barclays overdraft of £2700. Can anybody tell what happens next? I have no idea what to do! Shall i contact payplan? I am back to resuming my normal…
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1/4 of the way there - last chance!
I have been lurking on the forum for some time and made a fair few posts. Started with a debt of almost £33K at my LBM and proceeded to pay off some of this. My problem - at the time was I was keeping these debts from my GF and she had debts from her ex and various things. In order to hide these I had (NEVER DO IT - STUPID…
