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Debts, Housing Buying Madness & more!
Hi All, (Apologies for the long post) Really could do with some advice at the moment. My financial situation is i have:* around £3500 on a Barclaycard with 0% until Feb 09, usually pay about £80 per month off * around £3500 on a Barclaycard (used to be Morgan Stanley) no 0%, usually pay around £80 a month off * around…
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debts sold on please advise
Hi, I have looked through the other forums and can't seem to find anything on debts being sold on. I have 2 debts with barclays which they have sold to Lowells. Lowells are now asking for payment. One of my debts is an unpaid overdraft on which I had overdraft protection, the other was a loan which I had loan protection…
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£3400 interest charged on an old debt - advice please
Hi eveyone - this is my first post and I am looking for some advice please. I was in serious financial trouble many years ago and like many of you on here I am trying to sort this out. I have been paying Thames Credit £25.00 pcm for about 2 years now and I have rung them on many occassions to establish what this is for!…
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prepaid credit card advice
I had my meeting with the CCCS this morning and its been decided that I should have £130 a month for my food and general living expenses. I don't drive a car and have used Tesco's home delivery in the past as i find its more expensive to pop to the shop ad buy what I need on a daily basis as I end up spending more I have…
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Quickest way to clear debt
Hi guys. I've been lurking around for a while and had a LBM a few weeks back, when I sat down and worked out my total debt and what to do. I've managed to move most to 0%, but they will run out next year and I'm trying to work out ways to reduce the debt quicker than what snowballing is telling me. Looking at basic…
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£9k of credit card debt!
Hi everyone, I'm on this forum to try and get some help. Any tips will be really massively appreciated! Here goes: I have accumulated over the years, approximately £9k split accross 3 credit cards. Most of this is on 0% balance transfer, and all cards are cut up and I have not added any more debt for about 6 months now. In…
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That feeling again
At the height of my debt, I was roughly £48000 in debt. I sold the house and brought it down to £33000. This was manageable debt. Then I ended up back at the £50000. This was about 2 years go. I then got a promotion at work which doubled my pay, and my wife got a job with a decent salary. After the promotion we really…
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Dmp
Hi Everyone, I am new to this forum and just wanted to say how assuring it is to see a lot of people in the same boat as I am. This makes me feel I am not alone and can fight this debt problem. I am 2.5 years into my DMP. Started off with £49K and have now managed to get it down to £21K. Looking to get debt free around…
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Natwest - CCJ Confusion
I'm Currently Owe Natwest 19000 on a loan. They have built up arrears on it whilst I requested my PPI Back, They then issued me with a CCJ for none payment of the loan each month, the CCJ was issued in July but no further action has been taken as yet it is rather confusing, can they do this? I rang there sollicitors who…
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can't keep on our mortgage???
me and my partner bought a property last year admidstthe threats of falling house prices... without getting too much into all that... what im really on here for today is to ask advice on how we can sell our property ... obviously houses aren't selling ... we have a 3 bed detached house in a popoular area in n. ireland. but…
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Rock Bottom And No Strength Left To Fight
I Just Dont Know Were To Go With This Cifas Problem,natwest Keep Telling Me As What Im Offering Is Not Enough For Them To Help,i Have To Wait For Their Credit Management Team To Get In Touch.i Feel Like My Address Is Now Blacklisted Despite Me Trying To Talk To Natwest,i Dont Want It To Affect My Husband Re Credit,jobs…
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Fuel Direct questions
I am in debt, just over £1,000 to my gas and electric company. I am currently unemployed on contributions based job seekers allowance. I am single and living alone. I have been told that I might benefit from asking to go onto Fuel Direct to help me recover the debt and pay future bills. The energy company have placed on…
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Best plan of action in my situation?
Some debt-juggling has recently caught up to me and I was hoping someone might have had a similar experience and could maybe offer some advice? I owe 3500 on an Egg card, 1300 on Barclaycard and currently have 1500 borrowed against an interest free overdraft with Barclays. The overdraft borrowing will go down to approx.…
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wescot have gat it wrong!!!
im having problems with wescot credit services. im currently paying for a debt of £292.00 i ran up with Choice Catalogue. ive been paying this off for the last few months and am down to the last £30.00. Then i received a letter last week to say that they are now chasing a debt of £392.00. i know that i have no other debts…
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Bank relationship broken down - help!
Hi, I posted this in another forum, and it was suggested I try here instead Basically, my husband and I are in the process of re-writing our debts, and have come to agreements with most of the creditors. However, we currently hold a joint account with NatWest, and I also have a loan and a sole account with them. I have…
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Are they allowed to do this?
Not sure where else to post this but here's the story & I wondered which party has the leg to stand on: Last year my fiance was sacked (we worked together) & following the dismissal, she successfully pursued a sex discrimination case against the company & won a substantial compensation package. During the case which took…
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Settling my debts and improving credit score
Hi All, I'm just gonna explain a little about my shameful credit history first off... When I was a student I was a complete idiot and ran up about 20K of debt without being able to pay it back in the period between 2000 and 2004. Obviously my credit rating was shot to hell and when I started working I stopped paying any of…
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Beginning to struggle with DMP
Hello I need some advice. I am on a DMP paying £100.00pm to my creditors. I earnt £15201pa but due to increasing costs I am beginning to struggle to make payments to this and manage to pay rent, c/tax electric etc.. Any advice on what I should do. Thanks.
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Oh crap Barclaycard have reduced my limit
No idea why but its suddenly shot down. Whilst I am lucky enough to be nowhere near my limit, I'm still in major shock at the whole thing. Feel cheated as I've never missed a payment, never gone over the limit or had any problems on the account. Feel cheated after 11 years of being a good customer, I wanted the card there…
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My sorry looking SOA
I am hoping someone can help me with my sorry looking SOA. I am not sure how to go about sorting out my problems. I think a debt management plan is probably going to be the best idea as suggested on the CCCS website. Does anyone think there is a better way of dealing with this? My boyfriend – who I live with gives me the…
