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I need to get my finances in control
I cant believe how fantastic this forum is. I have spent hours reading messages of support! I have debts of approx £18k since my divorce, I want to clear them but dont know if to just go headfirst into an IVA.If this is the way, I should have done it 2 years ago and at least been half way thru! The most embarrassing aspect…
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Jenevieve's 'Time to Get Serious' Debt Diary
Hello everyone, Have been reading and occasionally posting for ages now. Have also (I am ashamed to admit, been spending, spending, spending!:o And have since consolidated and carried on with the spending!:o This I have done more than once!!:o :o It is, as my diary says - 'Time to get Serious'. I've read some of the…
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Creditor dropped case?
Hi. Am new to the forum, just wanted to ask your advice on a matter. I have made arrangements with my creditors and have been happily paying them for the last year or so. However, I now have a new creditor in the form of a previous employer who overpaid me a months salary. My salary was messed up every month I worked for…
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Being Made Bankrupt While On a DMP?
Hi guys, After speaking with CCCS and them putting the frighteners on me, stating that even though I have no assets my creditors are still likely to bankrupt me, I wondered if anyone has had this happen to them? I know i'm only paying a small amount (just over £100) to my DMP initially, but that was with full intentions of…
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Icas or Acca membership while on trust deed
Hello all, i've been a lurker on this forum for a while, my debts been really bad over the last wee while and now i know i've got to do something about it. Im going to put on a SOA tonight for you'se but before i do that, i had a quick query in regards to a trust deed. Does anyone know whether you can still continue to be…
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Full v Partial with MBNA
Hi, Can some please help me with this settlement problem i have. I want to settle a credit card debt with mbna of £14,500, I have missed 3 months payments.The limit on the card was £12,800. I had lots of other debts with cards, which most have been cleared as i came into some money.But now there isnt enough left to cover…
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Not Happy With Payplan
I've been on DMP with Payplan since Fenruary, was paying £359 a month, but due to the fact that I was off work for a week at beginning of the month and the cost of certain things ie., electric, food, petrol have gone up I ammended my budget accordingly saying it would be temporary for 2mths...payments were then adjusted to…
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Anyone Done Iva Through Cccs
Have a telephone appointment tomorrow to discuss possibility of doing IVA through CCCS, has anyone had any experience of doing an IVA through them?
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Natwest Cca Request Help!
hi requested cca from hubby natwest loan account on the 13th may recieved a letter 2day could someone please explain and give advice on what to do next thanx the letter goes like this: RE: Request for copy,Credit Agreement under section 77 of the Consumer Credit Act 1974 I refer to your correspondence,regarding the above…
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Iva/mortgage/homeless help please
I am writting on behalf of a friend thats at there wits end. 2 years ago they entered into IVA, which has now approached its 2nd year and they need to find £30,000 to pay iva company as aranged at start of agreement, this was to be done by either remortgaging or selling the home. Mortagage owed = £149,000 2nd charge on…
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What do you consider debt free to be??
I've been having a little think over the last few days. According to our snowball our DFD is just over two years away :j. Which is a massive improvment to the 60+ months quoted in feb 08 based on minimum payments. This has gotten me thinking. Our snowball does not include either our mortgage or OH's student loan and the…
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hi everyone
Hi i'm new here although have been reading for months now. I've only got £8000ish in debts which is not much in comparison and mine are not driving me insane...i just want rid of them. I have a husband and three children and am really hoping to be debt free sometime soon, well, within the next year or so. I am feeling…
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food budgeting question
guys, trying to fine tune my budget - what do you think a family of 2 adults, 3 kids (teenagers!) 2 pets can live on per month, bearing in mind that we all take packed lunches every day...
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Help needed, 1 week away from my baby
I've been putting this off, hoping for a miracle! In the last 2 years since I started my own business, my partner had a breakdown and our debts went from a manageable £22k to around £50k and I'm 1 week away from giving birth. My partner is now working, but on a lowish wage of around 18k a year, I get a weekly maternity…
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Smallish Debt
Hi im new to this site, and thought id share my story. My total debt at the moment is £ 3,600, which i hope to clear by xmas 2008 that is my aim. My Husband is very good with managing money, well i guess he has to being a accountant i you could say is just the total opposite, i dont have a clue on managing my…
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Young and had too much fun take 2!
Hello all, Couldn't find my original post but have updated my SOA for all to see. any quick wins will be greatly appreciated: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1577 Partners monthly income after tax....... 1023…
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Full and final settlement reply, Urgent help required
Hi, I have a default with Hillesden Securities for £644.93, this debt is being handled by a company called Direct Legal & Collections. I made a Full and final offer of £230 which they rang me about and said they would accept £322.47 as full and final settlement. I asked them to put this in writing to me stating it is final…
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default?? how long before you can get one?
Hi all Hope you can help me I posted that in CC section but I am desperate for an answer, I called egg to pay my monthly payment I was told that there is default under my name!!!! Can they register default after one missed payment? To cut a storey short, I had egg CC and I was paying by direct debit but then changed my…
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Getting new LB moment through to OH
Ok yall, your going to have to wish me luck - after posting new SOA and working out total amt of debts, have faced up to new LB moment myself - got it all on paper/pc now but got to get this through to OH later on tonight. Told him total extent of debt and how i intend to try to get rid of them one by one as posted. Main…
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If you haven't already, then you must snowball....
I have just completed my first snowball and it tells me that I will be debt free in 5.916666 years!!! Now I know this is a long time, but WOW.... that is just brilliant. Obviously the mortgage will still be going but how fantastic to have a date to work to. I keep reading about doing the snowballing on:…
