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HELP NEEDED - Debt agency (Mackenzie Hall) chasing settled debt!!!
Please help me I'm a newcomer on this site. In Jan 2006 I began the task of becoming debt free, I got a credit file from equifax and began contacting companies who I owed money to. It was a task and a half as some were quite old. But the begining of this year I became debt free (apart from mortgage). I have received a…
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MBNA minimum pyt
First timer here - so please be gentle! Just received a letter from MBNA saying my minimum payment is to go up from 2% to 5% a month - an increase of about £400 a month! Any suggestions, I doubt I will be able to get a loan for the £11k required to get these vulture off my back, so anyhelp or suggestions are appreciated.…
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what have you spent today? friday 20th june.
afternoon all:hello: a nsd here: fourth in a row for me. hope u all have a great evening and weekend :)
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POssibility of going back to CCCS with tail between legs !?!
Ok been thinking a lot, once the tax credits go down, going to leave us with a shortfall of approx £300 per month, now i know i should be able to cust down on some spending, but probably not to the tune of £300 so even though i just stopped going through CCCS and am currently going it alone - do you think i will be able to…
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Does anyone lie about the amount of time they spend on here?
I was just thinking.....when OH comes home later and says "so, did you have a good day.....what did you do" I will probably say "oh.....bit of this, bit of that, baked some doggy biscuits (see Chat thread), went on the forums for a couple of hours....." Truth is...... I have been logged on here since 9am this morning :eek:…
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What to do about unfair charges?
my partner has his own business and got a call about 6months back from a company called Premier Media who wanted to offer some services to help advertise my partner. As he was at work and never likes to do anything over the phone asked them to send some information through regarding what they can offer. What he recieved…
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I have given up my car today :-(
Hi Guys, Well one of us had to do something, so I have called me finance company today and basically once i have received the paperwork I will be handing my car back to them. We run 2 cars and it is just not feasible any longer, what with the rising costs of running them, and I can only imagine what our creditors think…
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MamaSaver's juggling debt diary 2008
I want to get rid of my debt by the end of the year. It's hard to write an SOA when your OH is self-employed and income goes up and down, but I'll attempt it shortly. Have to dig out all those bills. I thought a diary would keep me focused and I'll know where I stand. I keep losing the scraps of paper I use to scribble…
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council tax arrears
Hi all. This is the first time ive posted so be gentle lol. Just need some advice on old council tax arrears dating between !993-97. Just received a letter from dundee city council(scotland) demanding repayment for these years. Not a worrying amount, I always knew it would catch up with me one day, but i heard from…
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Council Tax Debt 07/02.Bailiff called, please help
Hi Everyone, i'm not new to the debt world, and i'm sure people will remember me on here, this question relates to my wfe. We have had a number of letters from Equita Bailiffs about a debt from 07/2002 for council tax over the last few months, we have offered weekly payments, they sent out a payment book etc, we failed to…
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Quitting our IVA
Hi all Is it possible to end our IVA early, I ask this because a debt management company has suggested that I go directly to my creditors to give them all a settlement figure which could save me thousands. We do have about £90000 equity in our property and the IVA settlement figure is estimated at £73000 but if we do as…
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please help me - crying
hi i hope someone can help us on this one before i flood my house with tears. we had a letter today saying our mortgage was going to increase by £105 per month as from 1st July. we are currently in an IVA so have no spare money available but are paying £60 per month in arrears to the mortgage. we figured if we didnt have…
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being a book keeper - would i need a credit check
Hi I'm looking at doing a book keeping course with the aim of working as a book keeper or a accountant in the future. I know that a lot of financial jobs are subject to a credit check before employment. Is this the case with Book keeping/accountancy? I have a default on my credit file and think that i may fail the check if…
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Personal Disaster Looming.
Hi All, The credit crunch has taken it's toll and I can see serious problems for our personal finances starting in approximately 6 months time. We have very poor pensions - me, because I have always had low paid jobs and couldn't afford decent pension provision (although I do have a small pension), it will only be a drop…
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Transfer of Equity???
Hi I've posted a rather long thread on the mortgage board, but not had much response, so i thought i'd pick your brains instead. We're in a right fix with our mortgage at the moment. We were with a sub-prime lender due to my debts and DMP. The fixed rate is over and we've gone from £620 per month to £900 per month. We're…
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Cyota
ive been trying really hard to ensure that my acc doesn't go overdrawn as i dont have an overdraft on my 'spending money' acc. last fri my balance was £203.10 i purchased tickets on ticketmaster for £136.50, spent £37 in new look and £29.57 in asda. leaving me with an available balanc of 3p. i always know exactly how much…
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working our !!!!!!!! off for nothing :(
DH works 48 hour week and I am on contract of 8 hours per week ( I have 2 small children) but Im doing 20 hours on top of my contract hours at the moment to help pay the bills. But, we just cant seem to see the bills going down. Even this month we havent paid our red electric bill or red BT bill.. Grr Anyone else find this…
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Feel like I'm never going to get out of my overdraft- a bit long, sorry!
Hello all, I'm new here, so hope you don't mind me 'jumping right in'! A bit of history: I've had my account with HSBC since 2002 (when I was 19), it was upgraded to a student account when I went to university that September. I tried not to go into my overdraft during my time at Uni, but if I did, I paid in savings (which…
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Help with a specific debt and DCA
Hi, when I was in my late teens and early 20's I was rather foolish with credit cards and debt in general with the end result being a mountain of debt which I could not afford to repay. Eventually I came to terms with the fact I had made a mistake and began prioritising debt repayments and in the past couple of years have…
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Info Needed - Lloyds-tsb
The good Mrs Leixlip1 and I are currently running up against that brick wall that is known as the Lloyds-TSB Collections Dept! Does anyone (possibly doing their own dmp like us) have account details i.e. sort code and a/c number so we can set up standing orders to make our dmp payments.............Lloyds have refused all…
