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IVA vs DMP advice
I apologise now if this has been posted before, but I have tried searching through the hundreds of posts and not really been able to find a situation identical to ours. We have contacted the CCCS having completed a SOA and have been advised to either do an IVA or DMP - IVA was the first course of action recommended though.…
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Help!
I have got myself into a massive mess. To put a long story short, I am a student and last year rented a house with 4 of my friends. Stupidly I volunteered to have the Virgin contract in my name for our tv and internet. Over the time we had this contract there were a few blunders, partly a couple of billing errors by…
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Help regarding CCJ being set aside???
Having recently received online credit reports about my self I noticed 3 CCJ's on there which I have no idea what so ever why they should be there, I sent letters to the CC's to ask them to send me information regarding the 3 CCJ's, what are the chances of them being set aside they are all around 2-3 year old CCJ's. Any…
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Gothia/Red-Have they broken their Code of Practice?
Hi I am a newbie, not sure if i am doing this right or if it is in the right place but have been reading posts for ages and taking on board some of the wonderful advice given here although i haven't quite had my LBM yet I know it has to come very soon. However, I want some advice regarding Gothia/Red to find out if they…
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1st Credit - Debt letter about debt i know nothing about???????
Hi there, I got a letter from 1st credit saying i owe Lloyds TSB £11.826.38? on saturday the 30th August 2008 And if i dont pay them they will get a CCJ and a charging order??? and force the sale of my house to pay the debt?I spoke to llyds directly with the only information i had which was from this letter - some account…
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How much can you put on a budget?
Hi, I have just registered but have been looking on the forum for a while now. Could anyone please advise me how much creditors will allow myself and 2 dependents for food, cloths etc. per month? Many thanks to anyone who can help!
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What are you going to with your £60?
Hi everyone Thanks to Gordon Brown's change of view on the 10p tax band issue (and a plan to attempt to save his career) anyone who is a normal rate tax payer will get an extra £60 in their September wage packet and then £10 every month following until March 09. What are you going to spend your's on?
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Letter from CCCS
Hi there I know I don't post much on the board, but i do read them daily. Yesterday i received a letter from CCCS saying that they have cancelled my DMP as they have been contacted by a creditor that is not on my DMP. I'm going to call them in the morning, but is it correct that they can cancel it just because someone else…
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Bridget Jones's Debt Diary
I've read a lot of peoples diaries on here and find them very helpful not to mention inspirational!! My debt isn't massive compared to some (see sig) but I feel like recently I've lost control of my spending. Buying a lot of takeaways, clothes, getting a new pet, eating out etc etc. So I'm taking control at last!! The main…
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GISI's Outpouring on Debt, Careers and Life
Hi DFW pals. I hope no-one minds but I feel in desperate need of an outpouring. I don't really know where to start. I'm 25, married and am just feeling a bit overwhelmed at the moment. Debtwise we owe just over £20k between us, two loans and a small credit card debt. As we both work fulltime at the moment this is totally…
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I'm thinking about starting a new challenge....
Wanted to see what people think Basically the idea is whenever you use a money off coupon, you actually put the money you've saved into s jar - so if its 20p off something you put 20p into the jar and at the end of the year you tot it all up and put it towards you debts (or have a big knees up at xmas!!) The idea is that…
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Notice of Proceedings - ???
I received this yesterday: Notice of proceedings - Pursuant to the County Courts Act 1984 Blah We therefore give notice pursuant to the County Courts Act 1984, that proceedings to recover this debt, together with Solictitors fees and cost will be instigated imediately in the Rotherham County Court. Balh Should you wish to…
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Can I join you??
hello everyone, I have a huge (well it feels huge) overdraft and I dont seem to have much idea of how to go about tackling it ... I have been doing additional hours while on the summer from uni and trying to cut my living costs down as much as possible. I am planning to cut down in other ways for example part of my friends…
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county court help
Hi, all I don’t know where to post this. My 16 year old daughter just finished her first job she had only been there for two months but they paid her two weeks holiday pay £280, obviously they then asked for it back. Being foolhardy she had spent the money already. Well after two weeks the mater was passed to the legal…
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Please help - am about to start dmp and..
... wondered how many creditors will agree to stopping fees/ interest on our debts with them. We are going through cccs who seem fabulous. Who has/ hasn't frozen the debts? What happens if they won't stop fees? I'm very confused and stressed at the moment. I've just found out we're 40,000 in debt not 25,000 so thinking it…
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Council Tax Legal Help
Hi, can anyone help with a council tax query? My oh is being led to believe he is liable for an unpaid council tax debt incurred in excess of £1000. The debt is from a previous relationship, his ex did not pay the bill, his name was not on the council tax bill or the rental agreement. He gave his ex the money and she chose…
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Help with creditors
Hi all, Forgive me as i am new to this. I have recently lost my job and am having trouble finding a new one at the moment. I however can not afford my monthly commitments. I have a partner and she has her own commitments as do I. She can not afford to pay mine as well. I am filling in a expenditure form and am not sure…
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Getting really worried now!!!!! please help
I have been on an DMP with CCCS for two months now and am starting to get really worried as one of my creditors egg has sent a default notice and have followed it up with threats of legal action. I have 3 creditors: egg Halifax Nationwide I owe egg approx £9,000, Halifax £13,000 on a credit card and £10,000 on a personal…
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Advice needed.
Hi Am new to the forum and looking for a bit of advice. Im £18,000 in debt, £14000 on 3 different credit cards and £4000 loan, im payin about £200 interest a month on these 3 cards and paying off around £700 ( £500 ) minus interest. I earn £21000 a year but doing a fair bit of overtime at moment so managing to pay it off,…
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Time for school!
I've thought about starting a diary for a while now, as have been debtbusting (or attempting to!) for a couple of years, been on MSE since March and could really use the encouragment a diary seems to bring to so many people. With school starting tomorrow (or at least it does for us teachers!) it seems like the perfect time…