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Help, am shocked :(
I haven't been on here for a while, maybe if I had, I wouldn't be in this situation. Last night, I went to order my daughter's birthday present and the order wouldn't go through. I knew our account was overdrawn, but I didn't think it was anywhere near the overdraft limit. I check, and we are £2927 OD - the limit being…
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Can I reduce my DMP for while whilst on Maternity leave?
I am just wondering if anyone knows if i can temporarily reduce my payments to CCCS, as i am due to go on maternity leave and will not be able to afford the £900.00 i pay to them at the moment (i have been with cccs just over a year now, with no missed payments or problems). I don't want to ring, as i feel they may be a…
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Sunday 14/09/08. 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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Missing Debts
Hi, This Is My First Time On This So Not Sure If In The Right Place! Was Just Wondering If Anyone Knows How I Could Find Old Debts That I Havnt Heard From In A Couple Of Years? I Already Did An Experian Credit Check To See If It Could Give Me The Information, But None Of My Debts Are On There!!!!
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Slowly Sinking into Quicksand of Debt!! Help & Advice Needed!
Hi Guys, I have been a long time watcher of this site, read quite frequently but now have decided I need to ask for some advice for myself. I am slowly sinking into more and more debt and need some advice as to how I can resolve the situation. I am 25 years old and for a few years in my late teens I used to use credit…
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DFW Meet Manchester Saturday 28 February 2009
2009???? Yep, it's not that far away folks, so time to think about another meet. With memories of Leeds still fresh in our minds and hangovers and woo woos only just out of our system, thoughts turned whilst downing yet another jug of cocktail to the next DFW meet. Manchester seemed to get a few nods from various DFW'ers…
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Newbie here!
Hello all! I've been lurking for a while and finally decided to start posting. I've just taken on a mortgage which thankfully is well within my budget, but I still have some CC debt and a student loan so all of it put together has made me think I ought to start out on the right foot so that a) I don't get into trouble, and…
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Help - Possible CCJ that we know nothing about
Hi - Can anyone please help. A family member today received a letter from a debt collecting agency claiming they owed £1500 plus court costs as a CCJ had been issued against them in Northampton County Court. I have no experience of dealing with these matters and have found very helpful posts regarding asking for a true…
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Debt Arrangement Scheme Scotland
Hi Everyone!! :cool: This has probably been mentioned elsewhere on the forum but i couldn't find it and i feel its something very important and useful to those who are in debt in Scotland. If you live in Scotland and are currently on a DMP you will be paying a lump sum each month to the CCCS or Payplan.. These guys are…
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Help = Egg Card
I have just been checking my egg card online and I have noticed that I am paying interest of £83 per month, and their minimum payment is 81.26!!! Surely its not alllowed that a payment is not reducing the balance? Help!!! What can I do about this.... x
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check my debts anyone heard of it?
Hi I am thinking of doing a debt management plan,has anyone heard of check my debts and are they reputable? cheers
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debt recovery charges
HELP :confused: a while ago i took out 2 catalogue's one with fashion world and another with little woods everything was fine up until last year when my husband lost his job. now these catalogs have been passed to two different debt recovery companies. Reliable collections Ltd (fashion world) charged me £99.99 when the…
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no ccj..voluntary charging order..are they enforcable?
just wondered if anyone had any information for me.... a few years ago (whilst suffering from depression and not thinking straight) i agreed to a voluntary charging order on my property...:o i had never been issued with a ccj and i didn't have to make any court appearance....so i just want to know...is this charging order…
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Citation from sheriffs officer
Hi I am looking for some help my parents currently have a dmp with the cccs and have been paying this for 13 months however in this time they have had various phone calls from one company (The Royal bank of scotland) demanding payment asking if they would remortgage their house to pay the debts etc. On Monday the royal…
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Might be a stupid question-I'm rubbish with finances
I'm paying off a debt of £15,000. What's better? Option A: Pay £212 per month for 10 years at 7.6%. (This is what I'm currently doing). Option B: Same as option A but make overpayments of varying amounts whenever I can. Option C: Take out a different loan of £15,000 pay off my original lender and pay £308 per month for 5…
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Newbie.. and needing help
Hi guys new to the board in need of help.. Going to sound like an utter noob. But theres so much info on here. I got paid yesterday.. and I was off sick at work so i didnt get paid a lot at all Stat sick pay was awful. I dont get paid for being off work. Anyways what i got paid isnt enough to cover my bills and i dont know…
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More Buchanan Clake Help plz
In 2007 my wife received letters from debt recovery companies for money owed on accounts openend fraudulently at her previous address. We dealt with all these and Buchanan Clark + Wells were one of them. We had letters from BCW to say they were investigating and heard nothing since. Today (17 Months later) we have had…
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Ever gone cold turkey - spending wise?
I watched spendaholics last night on BBC3 and was interested in the cold turkey week. As I've just handed in my notice to leave my job (as it was making me go mad/depressed) and have nothing yet lined up to go to, I was thinking that I'm going to have to be extremely careful with my spending. I was wondering whether it's…
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Which vouchers should friend ask for?
A friend of mine is leaving their job soon and knows that on her last day there will be the predictable presentation of card and gift. At her work they all put in £5 in to the collection pot, so she will probably get something worth around £55. The office manager has said to her that she is welcome to drop hints if there…
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Starting my DMP but need to get an account setup
Hi everyone, Thanks to reading countless threads I have now got my DMP on the way with Payplan. I am at the stage where they are sending out the details for me to sign and for me to get all up to date statements which I have now done. I now need to setup a new account for my wages and standing orders to come out of. I…
