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On the road to Freedom
Hello, We finally got some daylight ahead of us today. To summarise, we have about 30k of credit card/loan debt and a car on HP. We originally created a budget with £250 to pay our creditors on a pro-rata basis. We were refused by the main one, FirstDirect but they asked us for £9 more than we had offered. They suggested…
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My SOA- advice and help welcome
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1000 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1000 Monthly Expense Details…
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new to the site.. can anyone help me??
hi everyone i am new to this site and have just been reading everyones posts which has made me feel better knowing i am not alone! I am currently around 35k in Debt (17k is in my partners name although its my debt and i pay the monthly payments) I earn £24k a year and my partner earns around £20k. I feel like all my money…
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NEWBIE DFW Capital One Debt! Help =[
Hi my name is Suze and i'm a new debt free wannabe! I must admit and i'm very embarassed to admit that for almost a year now i have been burying my head in the sand with my credit card debts. I currently have: 300 pounds on a Capital One card. 250 pounds on a New Look card (Ikano) 500 pounds on a MK1 Mastercard 750 pounds…
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The affect of a CCJ on existing accounts
Hello everybody. I come in need of advice! Some background: I returned to education in 2005 and, having applied at the last minute, was given a room in a housed owned by the University. It was a dump, and pretty unpleasant, but it would suffice. Without going into too much detail, life as a mature student, away from my…
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Mommyme's OH S.O.A
Lets see how we all do with this Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 850 Partners monthly income after tax....... 162 Benefits................................ 180 Other income............................ 0 Total monthly income....................…
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Ccj Not Mine!
Hi all. I have discovered that i have a CCJ on my credit file. I found out it was for familly tax credits. I used to have a joint account with my ex girlfriend who I have a son with. my name was taken off the account in late 2004. I have never applied for familly tax ( i'm assuming my ex has) I also have never received any…
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Pickled!
Hi people, I'm in a bit of a pickle and am hoping someone can give me some advice. I originally decided to be a 'card tart' to eliminate my debt. After being refused for a couple of high-end cards, I lowered my game and applied for a couple of medium ones - and still got refused. I've just been on the money Supermarket…
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Pickled!
Hi people, I'm in a bit of a pickle and am hoping someone can give me some advice. I originally decided to be a 'card tart' to eliminate my debt. After being refused for a couple of high-end cards, I lowered my game and applied for a couple of medium ones - and still got refused. I've just been on the money Supermarket…
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AMEX have passed debt onto DCA
Sorry if I've posted this on the wrong forum (should it have gone on the cc forum?). Somebody feel free to move it if need be. I have just over £3000 owed to American Express (I owe other credit cards plus the bank but that's another story). Even though I've been out of work for a while (not been claiming benefits) I've…
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help ....car ...dispute
hi all, apologies if this is in wrong area ..just thought this a good all round discussion ground for my problem. I advertised a car in a pub car park, had someone interested who said he would find a buyer, price discussed (10k) ..car taken away for inspection (the guy is a friend of a friend) ...after inspection he…
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A terrified newbie, can I ask for some help please
As my heading states. I am a newbie to this forum, although I've been lurking for about a week before finally plucking up the courage to post. I have just this past week accepted the fact that my finances have got out of control....living beyond my means for a while, then due to illness and then a family bereavement which…
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Re: Capital One...Grrr! round in circles hellllllp!
Hi there. I ought my experian report a while ago, it showed a default in December and I always pay on time in lump sums! I wrote to them...a mth ago. Have now rec'd a reply from customer relations saying apologies located payment...but no word on fixing credit rating. Do I have to fix it, why cant they? How do I do it.…
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Some questions...
Hi all. I have some questions I hope you'll be able to answer. 1) It's two weeks tomorrow since I sent my letters making a token offer to my creditors - I have not had a reply from any of them so I will be sending out second letters tomorrow. I intended to write something along the lines of "I am writing to you reference…
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Re-mortgage to clear debts
Hi Guys I have come to the end of my fixed rate and am about to re-mortgage. I am going for another fixed rate, but to free up some extra monthly cash I am thinking of extra borrowing. This would be to cover 2x loans (£16500 combined, 3.5 years left on both) and several outstanding credit card balances (£2000, £4300, £2000…
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advice with credit cards please
I have several credit cards with quite high balances, and I am about to hit a bit of a financial crisis. I don't think I can make next months minimum payments, but I am not in arrears with anyone at the moment. Should I contact the companies now, and ask them for some help, and if so what could they do, and what do I say.…
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Help, I don't know where it all goes...
Hi all, I've been inspired to join this board after reading all your incredibly supportive threads to each other. My OH and I work part-time, have no children and live in Cornwall. We seem to have convinced ourselves that because we live a reasonably pared down lifestyle that finances were OK. I've just spent a day and a…
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Cleared my credit cards
Hi people, Looking for a small bit of advice, I had a few credit cards recently all maxed at £1400, £1100 & £500. I have just cleared them all after struggling to pay them, and finding myself only paying the minimum thus being hit with interest taking my balance higher than when I made a payment! So I've taken my savings…
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Paying back student overdrafts?!
Hi, I'm a uni graduate with 2 student accounts. I have overdrafts with each and currently owe around £2500 between them. I should point out that some people say "You cant have 2 student overdrafts!" However i did explain to the bank my intention to have 2 accounts and they said that was fine. Anyway, i have 2 accounts and…
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Robinson & Way And Oft
Hi all, Would anyone have a template letter to complain to OFT about Robinson & Way who have failed since early June to provide me with any CCA, account statements..etc but who are still sending demand of payment on a weekly basis...ENOUGH is ENOUGH!!! Thank you,
