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Can anyone tell me what happens with CCJs?
Hi there, I'm brand new to the forums but have been popping in and out for a while and was hoping for some help please. :) Long story short my partner is into classic cars and we had this 'great idea' to buy a car, get it done up and sell it on to help pay off some other debts. As things have worked out the car hasn't sold…
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Question regarding DMP and personal debts
We are in £30k debt, that is £15k to credit cards etc, and £15k to my OH's parents. we did just used to have £15k debt, and his parent paid it off for us on the condition we pay them back... but since then we have built up another £15k debt which was quite unavoidable. We are in a bad situation now... the credit cards are…
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Mortgage Virgin
I know this is not on the right forum but I have posted it over on the Mortgage board also. But I had a guy out today to survey my council house so I can consider buying it. I have never had a mortgage before so looking for any advice anyone has on where is best to go and the like. Thanks
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MBNA - Not very sure about this at all - anyone help please?
Hi all, Further to my last post re: MBNA wanting me to accept a partial settlement as opposed to my F&F only. I sent a copy of the email to a FREE debt advice (one of the big ones) and they advised me as follows: "they state in their letter : MBNA: "we write off the remaining balance and will not look to recover the…
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Debt Free!!! Yay!
Woohooo i am debt free! I am debt free 1 month and 5 days earlier than planned and its great, now all my money can start working for me :D I couldn't have done it without all you lovely people on here giving tips, encouragement and starting challenges. So thanks to you all. I will be sticking around as i love it here and…
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Advice on a refund thats coming my way
I got home today to find a ansaphone message from the Registrars Office that was going to be handling my now cancelled wedding on Saturday. They are refunding me £288.50 which is the cost of the registrar coming out to the venue. Now - I have an account with a catalogue that is currently standing at £147.80. The account is…
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DMP Question - Capital One
Hi everyone Just wondering if anyone can answer this for me? I'm starting a DMP next month. I've had 2 debts accepted already (both LloydsTSB credit cards - at a reduced rate of interest :D ) but I've also had a letter today from capital One saying that they are now defaulting me as I am not keeping to my original…
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What will my creditors think of this?
Hi all, It was only on 11th August that I realised I had to do something about my spiralling debt. So I browsed the CAB website and drew up a DMP of my own and made pro rata offers reletive to my disposable income. I have already had a few moans from some creditors, asking me for more money than I have offered. I have…
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Default letter - do I apply to the court? CONFUSED.
Hello Wise DFWs, Could I ask for some advice please? Today I received my default notice letter from HSBC regarding my credit card. I can't pay what I owe so am doing my own DMP and paying £1 per month. I've been doing this since July now. The section in the letter I'm confused by says: "If you have difficulty in paying the…
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Statute Barred Student Loan?
Hi Confused newbie asking for help to make sure I have understood replies right. If I'm on the wrong forum, I'm sorry and will someone please tell me. I took out student loans as a mature student - course finished in 1996. For quite a long time I was below the threshold but started to pay the loan back early. I moved bank…
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£1 per day CHALLANGE
http://www.thisismoney.co.uk/consumer/article.html?in_article_id=451669&in_page_id=5 I find this amazing. She lived on £1 per day for a whole year. This includes food, going out and travel. There is myself and my OH, so I think £2 per day for both of us will be an exciting challange. Just think I am spending £60 car tax,…
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help please!!!!!
can anyone can help ? right me and my partner have been using the CAB for debt management with ge money (16000) and barclay card (1500) at present niether have replied or tried to help and its been 3 months or more since we first saw the CAB we have been paying barclaycard £5 a month on or statement wether they like it or…
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debt advice
ok im 19 im in full tiem uni and i have managed to clock a fair bit of debt up, i lived with my gran for years so thought i was safe and secure and able to pay off what i was taking on :rotfl: but back in march my gran passed away, which has left me attempting to try and run a whole house on just under £500 a month however…
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Struggling to make head way
Hey to anyone that reads this, Its my first post to what seems like an excellent website and community. I have been struggling with different levels of debt for what seems like my entire adult life, and at 26 i have had enough and decided to do something about it. My main problem was that from the age of 18 - 23 banks/loan…
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Where Is The Letter To Offer A Payment
After having our repossessed and now sold we are going to get 'something' back - no idea what could be five pounds, five hundred, five thousand or even as much as 20 thousand. Our debts are around 38000 so we need to make an offer and give them all same percentage. I know I have seen a standard letter on this site that you…
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Debt dispute
Hi, I'm not sure if this is the right place to put this thread (if not i'm sure someone will help put it in its right place):) I have a so called £70 debt with a book company, over the past months I have e-mailed them asking where this amount has come from, no reply, asked again several times, no reply. Today I get a…
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Student Loan
Hi all! I'm a regular of the site but new to the forums - so might need a bit of help! My reason for being here is because i currently have a £9000 student loan which i am wanting to pay off as soon as possible. I am quite crafty and make a lot of craft items but getting round to selling them is often the hard part. Any…
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reclaming cc charges
Hi all Ive have just started reclaming charges back from my halifax cc, hopefully when this long process comes to an end and they repay my charges do they have to credit my credit card or can I ask for the money to be paid by cheque or bank transfer????:rotfl:
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Cahoot arrears
Hi, I posted this on the wrong thread and it was suggested I try here so here goes... My hubby has a Cahoot credit card, which is over is credit limit and has arrears on it. They have been writing to us pointing this out and asking that we pay the arrears. We have written to them countless times telling them that we are…
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Time to kick debt's butt!
Hi all After a fab email from Eagerlearner (thank you!) :beer: I have signed up to some clicking sites as well as Pigsback.com I am determined to make some serious cash in order to get my debts down :D I will sort out my signature when I have totted up how much I have made so far!
