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My new SOA and Deby Diary
Good Evening All... I'am doing a new SOA just so i can see for myself what I have coming in and out each week/month. This is for myself and 2 children aged 4 and 2. Please feel free to give me your opinions on this. Each week I get : £60.50 IS (It will be changing soon though to £5 less) £90.27 CTC (This also will be…
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What Bank?
Hi - I haven't been around for a while and need some advice. I have been on to the CCCS and they are helping me but I'm not able to go on to their Debt Management Plan at present as it would require more money than my partner and I can afford. We are living off his State Pension and my Incapacity benefit as I've got a back…
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Electoral Roll
Hi all I have been checking out my credit report on checkmyfile and to be honest it has depressed me! A score of 688 with Experian, 108 with Equifax and 288 with Callcredit was not a pretty sight One query I have though, is that under the electoral roll, it says I have been registered at my parents address up from 83 - 06…
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Pap/Moozie's Weekly Challenge ***ALL WELCOME*** w/c 28th Sept
OK, no sign of Pap yet, so I'll babysit the thread for now.... Now as Pap would say: Good afternoon everyone . Welcome to another moozies challenege. This challenge is open to anybody, no matter what financial place they are in. Thjis challenge basically runs along side the daily spends thread where you post what you have…
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Stuck and don't know what to do
I am nearly £700 overdrawn and have only just been paid. I have a credit card with £2800 and £400 in an ISA which im not topping up. What should i do? Should I use my ISA money to clear part of my overdraft, pay off some of my CC or leave it where they are????? Help!!!!!!!!!!! Lorraine
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Help
I am new to this site so I apologies if simular advice has been listed elsewhere. I have stupidly maxxed out my over draft limit on my Halifax account, which now totals to over £1500.00. I have transferred my wages to a seperate account to allow me to have my wages to live on, and wrote to Halifax (I suffer with sensory…
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CREDIT REPORT IS MY NIGhTMARE..
around 9 years ago i opened with natwest an account that allow me to go overdraft with a charge (very naive i know) of 3.50 pounds a day, the overdraft went in two months from 500 to 1.500 only for overdraft charge that i could not cover as i lost job and consequentely health problem. after slowly recover i tried to…
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McKenzie Hall - anyone know who they are?
Hi Guys, A bit of advice please, for ages now, and I mean months, I've been getting letters/postcard type things, and perforated envelopes all from these people, saying I owe them money, at first it didn't say what for. Then this annoying, rude woman started phoning my mobile, turned out she got the number off my mum (I…
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TWO default notices for ONE credit card
Hello everybody :j I'm on a DMP with the CCCS and all is going OK. Nationwide Credit Card accepted the DMP for three months after which they rejected the reduced payments and the account has gone to default. I've had the usual standard letters chasing payment, all of which I've responded to with my very own standard letter…
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Time to Face Reality....
I aint a newbie here,i've always browsed this site as i think it offers excellent advice,and now i'm the one in need.. Well here's my little insight into my debt probs...I were A.O.K e.g Fine! Debt free till i got sacked from my job a 3 years ago,with no money coming in,i decided to sign on,i had no mortgage,no car to…
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secured loan
i got a secured loan a few year ago for £25,000..i have just recently asked for a settlement figure for this loan and they say its £31,000..6 grand more than i borrowed...i cant figure how they get this figure.. any advice appreciated thanks
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wifes IVA-how will it affect me???
Hi guys, my wife has always been crap with money,to say the least! I have bailed her out before by taking out a £20k loan in my name, but have reached the end of my teather this time. She now ows around £30k! Amazingly Halifax have given her a £9k overdraft, which is totally irresponsable for somebody who earns c£21k! Im…
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IVA Advice please
Hi guys, can you answer a simple question for me please. If you've been in an IVA previously i.e. 4 years ago and it's all paid off and settled and you get yourself into financial difficulty for a second time are you able to go down the IVA route again? Trying to help my sister with her debts and looking at all…
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How would you go about this debt repayment?
Hi All, Firstly, my thanks in advance for your advice. It's much appreciated. My wife and I have a fair amount of unsecured debt between us, basically due to being far too hedonistic in our youth but also after a nightmare house purchase and the like. Either way, I'm aware it was irresponsible. Anyway, we can afford the…
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is a short settlement payment a full and final or is this letter a load of rubbish?!
hi all had an odd call from mbna about 2 weeks ago. The man basically said that they had sent me a letter offering me a partial settlement for 40% and am i going to accept it!? I hadn't recieved a thing from MBNA so he said he would send the letter again. I didn't recieve the second letter either so called up yesterday and…
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pesky dcas scare tactics?
i need help regarding a dca!! I have 4 defaults with tessera/fenton cooper. They expire next year. I have been paying £40 pounds to each one for i'd say about a year. I did pay a different amount before this. I received letters to say they would accept 50% of each as a final payment. So the smallest one i have with them is…
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Need advice regarding debt consolidation!
Hi all, Although I am new to post, I am a long lasting fan of this site but need advice pls!! Due to my husbands redundancy 2 years ago we had to consolidate our debts (2 of his loans and 2 of mine) as we couldn't afford to pay them all individually. We went with PayPlan who have been great up until last March. It came to…
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Debt Managers trying it on with F & F
Phoned them last week - told me that offer I made Droyds (who the debt was with before) was not acceptable but that the client normally gives 25% discount for F & F. I agreed to the new figure in F & F and asked for a confirmation letter. Letter came today but said it would be accepted in 'partial' settlement! I phoned and…
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CCA Legal?
Hi Please can someone tell me if this CCA is legal: http://www.!!!!!!/shared/9c8a75zjcy It took me 3 months & 3 official letters to get it during which my request was in default but they kept charging me interest & late payment fees. Is there any ways to get these back & should I stop paying as the CCA has no signature…
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VETERAN DMPers! Tell us newbies your Story
I am a newbie to DMP. Will begin mine on Nov 1st. I trawl dfw for any tales regarding DMP, but often find they are buried within other threads. DMP mutual support thread is excellent :T , but what about if we have a thread here just for veterans? Here are some of the questions I wanted to ask. Was yours a success or…
