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new and need to vent and hopefully get some advice
Hi I am 32 years old and a very foolish woman. several years ago I met a man who has got me into a mountain of debt (yes as I said I am foolish). a year after we met I had an ectopic pregnancy and had to have emergenc surgery in order to save my life. As you can imagine I was in a rather fragile state after that, and he…
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new and need to vent and hopefully get some advice
Hi I am 32 years old and a very foolish woman. several years ago I met a man who has got me into a mountain of debt (yes as I said I am foolish). a year after we met I had an ectopic pregnancy and had to have emergenc surgery in order to save my life. As you can imagine I was in a rather fragile state after that, and he…
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Bank Debt Over 9 Years
Hi I have a debt with Nat West Bank that occured 9 years ago that my ex husband managed to run up problem been the account was in my name, initially after they had added a lot of money in interest I went to the CAB for help along with a few other debts he managed to leave me with (all in my name) he could never get credit…
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Im drowning in debt!!
Where do I start...............I've been struggling with various debts for the past 5yrs, and until the last year I was just about managing to keep most of the ball in the air...but alas no more!! I have ccj's against my name for credit cards etc, and some charges against my home, and about 4mths ago I was unable to pay my…
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Im drowning in debt!!
Where do I start...............I've been struggling with various debts for the past 5yrs, and until the last year I was just about managing to keep most of the ball in the air...but alas no more!! I have ccj's against my name for credit cards etc, and some charges against my home, and about 4mths ago I was unable to pay my…
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OOOH! - Is this a potential U-Turn for a DEA? Advice needed please
Hi all, For those that don't know me, I've been posting here with regards to a F&F Settlement Offer to my creditors. Today I've received this one (it's a bit long so bear with me): Dear Mrs X (the beautiful, talented,blond bombshell - sorry it's my GSOH) I have news that could bring some assistance to you. Although your…
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Credit Score
not sure if this is in the correct thread but here we go. over the last few years i have managed to sort my debts but my credit rating is well and truely blitzed i have a basic bank account but i cannot get anything else i was wondering if anyone had any advice on how i can get my credit score back up. go easy its my first…
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ARGH!! I don't want him to know!!
I've just been offered a fantastic opportunity to become a partner in my dad's business. This really could turn our finances around and get us back on our feet and we've got quite excited about it! BUT, Dad's just informed me that i'll need to become a co-signatory on his bank account! It's not a Business Account, it's…
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citizens advice bureau (few questions)
Hi im pretty new to this so it mat sound a stuip question sorry if it does.Me and my partner have unsecured debt between us of 24,000 loans plus credit cards,the last 3 to 4 months we have been on a knife edge and just managed to keep the payments up we have never been behind and we still are not behind with any payments…
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citizens advice bureau (few questions)
Hi im pretty new to this so it mat sound a stuip question sorry if it does.Me and my partner have unsecured debt between us of 24,000 loans plus credit cards,the last 3 to 4 months we have been on a knife edge and just managed to keep the payments up we have never been behind and we still are not behind with any payments…
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Bankruptcy Scotland Advice
Hi there, I wonder if anyone has any experience of bankruptcy (sequestration) in Scotland? I was initially setting up a DMP with CCCS, but as i'm currently unable to work they've now informed me I mightn't qualify, and that bankruptcy might be my only option under the new 'Low Income Low Assets' law. They've also informed…
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Finally seen the light
Hi all. I have finally seen the light good and proper I am currently moving my savings to pay of debt but leaving myself a safety buffer as i have a property i rent out. I have posted occassional on here cut down spending and think twice before i buy anything , I just have one dilemer and knowing how good you guys are feel…
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Please help I think I've just had a baliff at the door
A man saying he was from black horse has just been asking for the missed payment of £147.10 that we owe he wanted cash or cheque or card payment. i couldn't do any so he's left giro slip to take to the bank next week and took sort code and account code to set up the direct debit again. can he do this i feel stupid for not…
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old postal order
Hi Didn't know the best place to ask this, but this forum seems friendly enough to help. I have found an old postal order for £5.20 from 2004, as its over 6 months old its expired, does anyone know how i can claim the money?? Thanks
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Julies SOA as a single mother looking for a job
Any advice would be gratefull im in this mess at the mo, just had to give my job up 4 weeks ago working nights as i no longer have childcare for my two kids(4 and 2) and my husband rarely visits his kids and to be honest is nearly 2 months away from paying me no maintenance... I have a boyfriend at the moment who has…
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How long can a debt be persued.
Hi General question If you had debt from a company who fitted your double glazing 15-18 years ago, is the debt still valid and can they persue you for it? Thanks in advance shadowdragon.
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Being sued by RBS
Could do with a bit of advice please. I owed RBS just over £15k in respect of personal loans / overdraft on my current account and having got into financial difficulties, ended up on a CCCS debt mangement scheme with debts of £30k overall. I have no assets and little or no equity. Married, 3 kids, you get the picture.…
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black horse just knocked on my door
Hi all i've just answered the door to someone from black horse who was wanting to collect our one outstanding payment.he also reset up the direct debit on the doorstep when i asked why we hadn't had a letter telling us of the visit or a default notice he said they didn't need to send one is he right does anyone know:o
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Self Managed DMP Advice please...
I've done it! I've finally admitted to my partner exactly how much debt we have. I feel better already. After weeks of reading through forum posts and site pages, we've decided to try and organise a self-managed DMP. At the moment, our loan and credit cards are set up on Direct Debit. We are only paying the minimum…
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Mortgage Arrears - Charges
Unfortunately we are just over one month behind with our mortgage repayment, I wrote to the Building Society asking if we could pay £50 per month on top of the repayment which we have done for the past three months. Our mortgage lender is charging us £35 per month to monitor our account. At this rate we will never pay off…
