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daily chat wed 17th Sept
Morning. Couldn't see daily chat ( although doesn't mean there isn't one...) Feeling keich so day at home today. Hope everyone has a great day x
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My story and any advice will be good xx
hi all, i don't know if this is the right place for me to post this as i have only just joined. I co-own my house with my best friend of 27 years. we've had a joint mortgage now for about 4 years. my boyfriend and i were going to get married on 27th sept this year and just before april '08 the 3 of us sat down and worked…
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Wednesday 17/09/0 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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advice please, in DEBT
hi guys just wondering if anyone here to give me a little bit of advice. When i was 18 i got myself into over 10,000 pounds worth of debt (stupid i know) credit cards, catalogues, loans etc anyway it all started to mount up and i started getting ccjs so i set myself up on a debt management program but after doing this for…
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In debt and starting to get scared.
We had some work done on our house a year or so ago, during which costs got way out of control. So as well as remortgaging, we took out a secured loan and ran up the credit cards to a very scary 36k!! We had a house with no roof on one part and lots of rewiring and plumbing to do so we felt that we had no choice. We also…
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Me, My 60k credit card debt, and why you should not lose sleep.
I hope you can pay all your cards off without having to wreck your credit score, but if it all goes pear shaped like it did for me 6 months ago PLEASE DON'T LOSE SLEEP. I actually laugh now when the stern voice on the phone who is usually Mr Payback or Mrs Oweus, because I realise they are employed to use all the tactics…
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Help and ideas please
Im trying my dammed hardest to get myself out of dept and with high interest rates on cards and loans im struggling. Ive been trying to get advice on payday loans as i have 2. The big problem with that is its costing me around 250.00 a month just to extend to next month. I average around 300 left after bills but his needs…
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How do you get the snowball to save?
Just a quickie...sorry, I'm probably being extremely thick here but I can't work out what I'm doing wrong. On the whatsthecost snowball, there's a box that said 'log in to save your snowball' or something like that. So I did, and the box now says 'To save this snowball, enter a name and click Save ' but there's no cursor,…
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Statute Barred Debt Query
Hi, I recently had two letters, one from Mackenzie Hall and one from Lowell regarding two statute barred debts. I sent both companies an identical letter I'd got from a link on this site saying I don't acknowledge the debts. This was about 2 weeks ago. I have heard nothing since from Mackenzie Hall, however Lowell have…
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default
hi all not sure if this is the place to list this if not i appologise, to cut long story short, i wrote to a catalogue i have as they had put a default on my credit file, i never recieved a default notice and had set up a payment arrangement with them long before. i recieved a very snotty letter back today, long time since…
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Newbie, stressed out and worried
Hi, My partner and I are in a bit of a situation, made wosre by my job (I'm an insolvency specialist!!!). He lost his job the day we bought a new house, and things went bad from there. I already had a £9,000 loan from a previous relationship, we now have a £900 loan with blackhorse, £2,000 HBOS credit card, £500 capital…
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claiming ppi back how long?
hi, i sent my first letter off to alliance and leicester for re-claiming my ppi owed. i recieved a letter back within days saying they will look into this and get back to me. they did not state any time period. i was really wanting to know is there a specific time period in which they have to reply? or is it a case of just…
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Feel like ending it all
Hi I have got myself into serious debt, all unsecured credit card debt. I have got a rough figure of about 40k:eek: . I have no idea of how i'm going to pay it back, it's making me totally depressed not sleeping. I lent out a lot to family got no chance of getting any of it back, not looking for sympathy as i got into…
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Lowells Wont remove a disputed default!
Hi there Please can any1 help me as I have got to a point now where I feel I have exhausted all avenues let me give you a run down, 1. Needed a remortgage after fixed rate was up in sept, applied and got declined (MAR 08) 2. Checked credit references and 2 defaults on my account from Lowells (£262) from 2005 and Hilleseden…
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New and worried
Hi, i am new here and feel that things are seriously getting (probably got) out of control and would welcome any advise and support. Below is our SOA which doesnt take into account CSA payments we make monthly of £478.:confused: Monthly Income Details Monthly income after tax................ 1800 Partners monthly income…
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OMG I've just calculated my debts
Can anyone help, I am trying to not be sick , I have been logging onto this site for 6 months but today I decided to take the plunge and i have just calculated my debts. I have known I needed to change my situation and I have changed my job, and start my new one in a few weeks which is better pay, but I want to face what I…
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Up to my eye balls in it
Hi Everyone, I really need your help and advice. I am really in it up to my eye balls and I so want rid of my debt and don't know the best way. I owe £4000 on my overdraft, about £16,000 on loans and about £12,000 on credit cards. Where do I start? Thanks.
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Debt advice needed please, bankruptcy, IVA etc.
Hi All, I have a bit of a problem. I have accumulated about £28k worth of debt, some from credits cards going way back to when I was student but most because I put it into my business. As well as being registered as self-employed I'm also a Director of a company which although has taken scraps is largely dormant until the…
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Capquest delimma
Hi everyone, need some advice. At beginning of August i received a statutory demand that they were going to make me bankruptcy for 1150 for an account that was defaulted in Nov 2002 and should therefore become statutue barred in Nov 2008. On August 18th I sent by recorded delivery, two letters to Capquest requesting a copy…
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Debt Free! But what's the point?!
Hi all, I've spent six years getting myself out of a 10k hole, but it's finally done. It feels amazing and I would encourage everyone to keep going, however I have one big problem still on my door step! My Credit Record still shows me as owing Egg, A&L, and First Direct. The latter was sorted over three years ago, however,…
