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really struggling,,,,,,,,,,,,,,,,,
hi all i'm really struggling at the moment, any advice on which way to turn next would be great current situation owe £20k+ personal debt, includes the following;- £3k barclays o/d (£40 pcm) £5k co-op loan (6.1%) £4.5K co-op loan (6.9%) £4k a/l o/d (0%) £3k student loan (4.2%) £4k credit card (0%) after much…
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Dbb's Debt Free Motivational Diary
Hi everyone Sorry for the long post in advance... I have been in debt for all of my adult life (I just turned 27). Overdraft and credit card balances crept up without me knowing where the money went and I had buy now pay later deals left right and centre. At the start of 2007 my wife and I moved to a bigger house and doing…
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Counselling Services in London
Hello I have a DMP with CCCS with is now working well. I am also trying to reduce my other outgoings so i can try and pay off the debt quicker, but i'm finding it all too hard to deal with and i'm starting to take it out on people around me and also i'm drinking to forgot my worries. I need to stop this but i can't afford…
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Advice may help!!!!
Hi, I am new to this and was just wondering if anyone could give me some advice. I have about £25,000 worth of debt on the following Lloyds loan £12350 Monthly payments £289 Virgin credit card £12300 0% interest runs out in Dec 08 Min Rep £13.50 I earn £35000 a year My credit card balance transfer runs out in December 08,…
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removing default notices....some advice please.
First off I appologise if this is in the wrong section. A few years ago, when I was a student I had no value for money, I had no budget and use to spend money which I didn't have mainly on Credit cards. when i was going through abit of a bad patch with money I decided to take out a cc with natwest, when it arrived a maxed…
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Experian refusing to change details
Apologies in advance if this is in the wrong sub-forum. I regularly receive letters from debt collection companies, the CSA, etc, for someone that doesn't live at my address. The person in question is my brother. In one of those quirks of fate that you couldn't make up, he actually used to rent a room in the flat that I…
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The best way to become debt free?
Hi there guys/girls, I am glad to say that I have finally left higher education after 7 years, and like most of my peers have some debt knocking around that I want to get rid of as soon as possible. What I am wondering is if people can give me some advice on the best way to clear the amounts on my accounts. I have managed…
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accucard and cca, any chance?
i had an accucard credit card which was taken over by lloyds tsb in 2006 I think, I am now struggling and on a dmp and I was wandering if Lloyds TSB would have a cca for this account as I did not take the card out with them ? or would accucard have forwarded it on to them .
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Self-managed DMPs and Cahoot
Hi Everyone I've been reading the forums for a while now and have noticed that quite a few people like me are self negotiating with creditors. I just wondered if anyone has any experience of dealing with Cahoot? I have five creditors and sent National Debtline's budget sheet and a letter explaining my change in…
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Live free for a year - NOTW / Asda
Hi, I haven't seen this posted on DFW - and thought it might help someone. Please thank OP of the comp (Skippycat) as she posted it originally. http://forums.moneysavingexpert.com/showthread.html?t=1156345 Good luck essexgal
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best way forward?
Hello all, Hubby has recieved a warrant of execution for a debt he has with ltsb. He has had no letters prior to this warrant, warning him that it was imminent. At the moment, the court is asking for £152.25, for the court costs, i guess. I know the bailiffs will be here in a couple of days, as the letter came on Friday-…
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Time to shape up!
Hi All, Looking at some of the challenges people are dealing with on this forum, I feel almost embarassed posting my own situation on here. I have an income of £3250/month with just over half of that going on core living (Rent, Council tax, electric, gas, phone). I am single and live on my own in a bachelor pad over at…
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Should I consolidate?
Thanks to a 5 year stint at uni, I now have around £6000 of debt to clear - spread between 4 credit cards and an overdraft. My credit rate is in need of improvement, so as well as working to clear off my debt, I also want to improve this. The negative aspect of my credit score comes from the high number of credit accounts…
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Statute Barred Debt..................again!
Right, have been here before for advice and it has always been great, so now I am back for more! We get letters about the same debt - which is Statute Barred every 6-8 weeks as the DCA 's seem to keep selling the debt or something......So we got the first correspondance - you owe us £8k etc etc, to which I sent back the…
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Pap/Moozie's What have/will you spend weekend 13/14th September?
Hi everyone! Haven't seen a thread today, and couldn't spot one yesterday so thought I'd start the daily 'what have you spent today' post. Apologies if there is another one - promise I'll get my eyes tested soon! I didn't update Friday so here's my weekend spending... Friday: NSD! Saturday: £70.26 on car insurace, £18.40…
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Debt that defaulted in December 2002
My mum got a letter from a DCA for a catalogue debt that she defaulted on in December 2002. I have two questions. As this is the first time they have written to her does she have to pay it or is it satue barred? Also think she has rang and arranged a monthly settlement with them can she then go back and say its satue…
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DMP changes in circumstances.
Hi, I am just after some general advise really but dont want anybody shouting at me please:o I have a DMP with cccs but due to a change in circumstances we are now living on Income support and not at present getting any help with mortgage costs. We had saved enough to cover our mortgage for 3 months and will be paying out…
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ccc's
Hi, I am just in the middle of sending all my information to ccc's, does the plan work. I can't sleep, i just want all my debt to go away, is the plan successful. Desperate Deb
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Paying off credit cards and credit rating
Hi Don't know if this is the correct place to post this or not but I am just wondering. . . If you pay off a credit crd and request closure of that particular credit account, does that help to improve your credit rating? Also - all mycredits cards are interest free until April 09, so would you recommend paying them off as…
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Business gone bankrupt and partner left debt...
Hello everyone i am new to these forums and was wondering if anyone had some advice on my current situation. I wasn't sure where to post this but thought this might be the best section. I'll be as brief as possible. My business partner and i had been running a business for just under a year. Things were good at the start…
