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clear a debt by christmas
this was done last year [thanks to the op] do you have a debt you want to clear by xmas ? for me its my fashion world catalogue which currently stands at £490 :eek: :eek: :eek: im determined to start the new year without this one .
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40k debt £700 pcm repayments & nearly £500 interest of that...can i do anything?
As my post says we are paying £700+ in repayments and so much of that is interest-is there anything I can do? we are overdrawn every month to pay minimum balances. We have moved into a small house and had spent 20k of the 40k of debt making it habitable, then sale of it fell through and the rest is history as it's worth…
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HBOS & Lloyds merger thread
Question: Do you owe money to one or the other of these institutions and fled to the other to open a separate account for your wages to be paid into so the other wouldn't seize it to pay off your debts? How do people in this position now stand with the 2 businesses becoming one? thanks to poppy for hilarious image!…
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Thursday 18/09/08 What small dfw things have you done today??
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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please help - offers to creditors
Can someone please advise me. i have received some money from a claim and would like to pay of creditors that i am currently on a dmp with. The money I have got will only cover about 3/4 of what they say i owe to date - is it worth me offering them 3/4 of money owed and seeing if they will accept it as a final offer. Or…
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Need Help with HSBC debt!
About a year ago I got into real financial difficulty and had to look at a DMP. I foolishly did this with chiltern...who have charged me 40 pound a month to arrange payments with my three creditors: HSBC - £12000 Credit card 1 - £700 Credit card 2 - £1000 I took up there payment offer of £225 pounds per month and have paid…
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HBOS/Lloyds TSB Merger
Hi My husband and I started a dmp with cccs in march and all is running really well - no problems. However, one of the people we owe money to is Halifax - part of HBOS group. Because of this we changed our banking to Lloyds TSB as we have no debts with them or related companies. Now that Lloyds tsb/HBOS are merging will…
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In need of a 'good' Original Credit Agreement letter
Hi, Just sending out a letter asking for the original signed agreement, does anyone have a good letter a can send, with 'all' that should be asking on the letter. Thanks to anyone that can reply! Thank you k.:beer: :beer: :beer:
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DFW Daily "Chat"..... folks "chat"....too quiet : )
Morning all I may just do some housework today....or i may not So thats my day covered:D So what you all up to then? Maz Uncle was Mums brother. Gran is Dads Mum. She spent most of the day telling me about people she knows how got what they wanted from Social work dept right away....whereas she has been waiting for ages. I…
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Aegis BPO Services Limited - Advice please!
Hi everyone, Would value some advice please! Got a card posted to my house this morning from Aegis BPO Services Limited who are collecting on behalf of MBNA for my arrears on my Virgin CC. It reads the following: "I confirm that I will be calling On: Thursday Between: 8am - 9pm If inconvenient please telephone 0800 404…
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Loan referred to debt recovery company
Hi folks, I'm looking for advice. After living in debt for the past 10 years i have focused on attempting to earn sufficient to make all loan and credit repayments as well as earning enough to cover all my monthly outgoings. Despite living away from the home where i have a joint mortgage, and paying rent i have managed to…
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clear my debt before i hit 50
47 now--im no spring chicken ive always been in debt all my life--so reading these threads has inspired me. car loan debt--£14750 bank loan--£3040 credit cards--£0 repeat 20x--no more loans-no more loans guess once my debt is paid off--i can work on my mortgage. then my body mass:j
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For people in Debt in Scotland
Anyone who is on a Debt Repayment plan with Payplan, CCCS or doing it themselves,should consider applying for a Debt Payment Programme under the Debt Arrangement Scheme. This is run by the Scottish Government and the Accountant in Bankruptcy .It is NOT Bankruptcy. Interest will HAVE to be frozen by your creditors,your…
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A hole I can ill afford to dig. :(
Hi. I'm up a certain creek without a paddle. I'm coming to terms with it, but there is a lot to do. I'm in a position where I need help, and don't know what I can do / can't do / where to go / whatever. Anyhow, below is my SOA. It's not 100% complete since I need to get hold of the rates for my credit cards (the balances…
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Where do i start, Help needed
He go's. Aged 44 married, 1 teenage son, no assets. Debt's amounting to 75 grand (over 5 years) unsecured credit cards and loans. Moved to Spain over 1 year ago maintained payments uptill April of this year until work (construction) dried up, only just meeting basic living allowance.(Black Money) Now i could just ignore…
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halifax llyods merge
right i have been looking at the news pages and notices llyods taking over some of hbos i have debts with llyods and therefore have to keep any income away from their accounts does this mean that my websaver account with halifax will no longer be safe?????:mad:
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Just when I thought things couldn't get any worse.....
Hi everyone, I'm sorry for having a rant but need to get things off my chest. If you've read my posts before then you'll know we're in a financial black hole. Well as if that wasn't bad enough, in the last 2 weeks I've had a bump in my car and probably written it off ( should get confirmation from the insurance company…
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Dmp
Hi I'm new to this forum and am heavily in dept considering a DMP. Can anyone tell me will this effect me when I come to re-morgage next year as my fixed rate will be up. Does it effect your credit score? Thanks
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Post your DFW rules for spending!
Once I had my LBM I came up with some maybe unusual and not so unusual rules for helping me curb my spending! Thought it would be interesting to see how many of you have similar or totally different rules, after all what works for one may work for many more! I have a very embarassing admission to make in regards to clothes…
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Bank charges
Hello all, I inadvertantly went overdrawn on a current account with Lloyds (while on holiday) by £166, for 9 days. They want to charge me £190 in charges. I immediately explained the situation and said this was ridiculous. I telephoned them and called in to my local branch. They then sent me a letter saying they are not…
