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Gloomy SOA
Here is my gloomy statement of affairs. No way out of it but for employment and fast. I regularly apply for a good number of positions each week and check-in with my recruitment consultants but nothing has come up yet. Income Contribution JSA £262 HouseholdRent - £280 Council tax - £80 Electricity - £42 Internet - £15…
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Offer of interest free managed loan from HSBC, should I go for it?
I currently have about £65000 of debt ( down from £70000 at LBM in Feb 08, so going in right direction) in loans, credit cards etc. I was appealing my bank charge claim on the grounds of financial hardship and have today had a lengthy comversation with the financial difficulties dept at HSBC. I currently have a loan of…
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hsbc overdraft repayments
in feb this year hsbc decided to take my £800 o/draft off me the minimum they said i could repay them was £90 each month.this is supposed to be done automatically on 8th however in july they didnt reduce it in august they did on 15th + this month nothing yet.has anyone been on one of these plans? and have they been as…
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Orange Phone Bill..Payments/Theatening to leave.
Hi guys, okay the deal is i have an orange mobile phone bill..due this month.. £60 i cant REALLY afford it.. but when you dont pay it etc I know you get cut off.. and you have to pay all the months taffics back until the contract ends. But what actually happens if you did this? Would credit collection agencies come and get…
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Credit Solutions won't send Letter of Satisfaction
I had a defaulted credit card that was passed onto Credit Solutions (or Crucible Debt as they are sometimes known) that went to a CCJ. I agreed a settlement amount through their legal team - David Rubie, Mitchell & Company - paid the amount and now they won't send a Letter of Satisfaction I can present to the court. I have…
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Help! Can anyone give me some much needed advice?
Here is my situation! Bank Loan - £3000 Credit Card - £500 Store Card - £500 I have recieved a letter from debt collection agency stating I need to repay my £500 store card, which to be perfectly honest I had completely forgotten all about - I am not sure whether I even owe this money or not. I am desperately trying to…
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Next steps -SOA and hi
Hi all, I have lurked for a while and now taking the first steps to making headway with my debts. I was managing until recently, i have been off sick for six months and about to loose my job so my monthly income has dropped by 1600 a month...although i have payment proection insurances in place ihavent been able to claim…
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DFW Daily Chat 16 September
Morning all - good to see the smilies back :T Off to work in a minute and then tonight I have to go and look round the school I'll be teaching at next week. Hope everyone has a good day. :D
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Tuesday 16/09/08. What small dfw things will you do 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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Need Advice!
Hi All, I am in debt to Barclaycard £5000 lots of things went wrong in my life and I am completely broke now. Moved abroad and now I am working on a farm in little village in Mexico and never planning to get back to UK. Before coming to Mexico I was in U.S. and my old room mate told me that there was a debt collection…
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Need someone to talk to.....
Hi everyone I know this isn't really a DFW matter but I feel that all my friends are on here and I have nobody else to talk to at this time of night. I have basically just split from my boyfriend of over 7 years. Well, he was my fiance really. I went over to his flat tonight and found a pile of his birthday cards on the…
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Debt advice please
Hi, and sorry for the dismal first post. I'm in debt by a hell of a lot, now whilst I know how it happened (lived well beyond my means) I'm after a bit of advice. Firstly I'm self employed, and about 5 months ago I started to seek help about sorting my mess out, I've been to the CAB been semi through the process with…
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credit card negotiations
Has anyone done this? What sort of response do you get? How much should you offer them? Thanks.
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mackenziehall have you heard of them?
Hi all quite new here, I received a phone call out of the blue asking for them to call me for important chat in ref to a M number. I didnt know what it was all about so ignored it. Today I recieve a notice that I am to pay a 4 k debt to a bank which i belive was in my heyday at uni just over 6 years ago. Now I thought it…
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Guess I'd better come back : (
Hey peeps. Not been treading these boards for a few months now, but in a discussion with someone the subject of MSE came up and left me with a bit of a sense of longing.... So am back. As ever, I'm still Rubbish at servicing my debts, Rubbish at budgeting and financial planning, and Rubbish at maintaining payments…
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Littlewoods want me back...is this allowed?
Good evening all, Due to illness and not being able to work I ran into difficulty with my catalogue payments and including interest ended up owing them over £800. I was referred to a debt collecting agency and have managed to pay off most of it bar £200. The weird thing now is I presume because I never defaulted on my…
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Newbie looking for advice re DMP
Hi, I am new on here and have been reading some of the posts which I have found very helpful. I am finally trying to sort my debt out after getting further and further in the red over the last 15 years. I finally told my husband last week that I was suffering problems with my finances and he has been great and very…
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Credit report after Bankcruptcy
Hi I was declared Bankrupt in 2006, after I could no longer keep up with my repayments, and I was forced to leave work on the grounds of ill health. That was two years ago, and things were pretty straight forward and I was discharged in October 2006 (6 months later). I received my Experian Credit report this week, to see…
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Consumer Credit Act - Requests for agreements
Good evening everyone. I have been reading lots of information about requesting copies of Consumer Credit Act agreements and have decided to begin doing this for my otherhalf. However, I am a little confused about certain things and would be grateful for some clarification from some more experienced forum members. To give…
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Help me!!!!!!! My like is dropping to bits
hi all iam expecting a baby in a few days and i got suspended from work on friday. here's there story on friday the company i work for made some redundency's ok i was told my position was secure and the company is fine 1/2 later i got a fone call from a competitor. had a bit of banter with him he asked how thing were i…
