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advise please wages dont cover outgoings
hi there im new on here but have a quite good understanding of how i should pay my debt back. i owe a fair bit over a few lenders as follows lloyds c/card 4500 apr is 4.9 for 6 months egg c/card 2k apr is 0 for 13 months barclaycard 695 apr is 0 for 13 months halifax loan 297 pcm till may 2010 barclays o/d 950 apr is 17.9…
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student in debt. help?
Hi, i'm a 20 year old student who has just recently started a two year course at college. at the beginning of august, the shop i was working in had to close due to money making problems & i unfortunately lost my job. since then i have had no luck finding a job and at the moment i have no money to my name whatsoever.. not a…
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MBNA default, can anyone give me some advice?
I had a default notice from MBNA at the start of September, saying if I don't pay the arrears by the 19th the following action may be taken, then going on to say they may go to court. Do I need to do anything? I've sent a copy of the default notice to Payplan. Is it worth writing to them to see if the offer to pay another…
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CL Finance and other N00B questions
Hi guys and girls, im a long time reader of the site and this is my first post. My financial history is all a bit up in the air and now being in a position to start paying debts off i decided to check my credit file. On my Callcredit info it says that i have a default payment to CL Finance for the sum of £605. Firstly i…
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Apex Credit Management
Hi, I would really appreciate some advice if anyone can spare the time. Some time ago, my wife had a bit of a breakdown, following the death of her mother, a car accident, and collapsing into a diabetic coma (we didn't know she was diabetic, just thought she was run down with everything happening around her). She had to…
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How to calculate paying off debt
My b/f has arounf 13k split between 2 loans to pay off. To give us a target i would like to have a chart so that when we pay off extra money we can knock of a month/week so we can see how quickly we are paying it off. Is there any easy way of working this out because of the interest etc.
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Friend getting in debt again. Should I help?
To cut a very long story short my friend was £70k in debt. He earns £15K, his wife earns £5k. They have 4 kids. They bought their house before the boom and recently downgraded house and added to the mortgage to pay off the debt. Mortgage is now around £115k, same value as the new house. The house they lived in and sold…
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it's about time....
Hi, I'm having my LBM after doing the classic ostrich impression for a good few months!! :eek: I need to get things sorted as i am a part-time student and also i am going to be made redundant as of 14th November, and though i've applied for jobs left, right and center, i don't seem to be gettting anywhere. :mad: I want to…
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MadWombles DF Diary
I've been an occasional reader for several years now, and thought I'd finally dive in, headfirst, and begin my own debt free diary! I've picked up loads of inspirational advice on these forums before just reading others threads, and the responses that come in, and think that the support available here is fantastic. First…
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Need a kick up the backside!
Seem to have lost my way a bit with the whole DFW thing... Last few months (since June) we have had 'abnormal' wages coming in, with bonus's, overtime etc, and despite this, I don't feel like I have got anywhere with our debts or our savings, its just been an excuse to waste money rather than save it or pay it off the…
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Christmas Temping
:xmastree: Hiya Is anyone else applying to do any Christmas temping? I've applied at Argos, Boots and Woolies. It's been nearly a week now and heard nothing - I've had shop experience etc. thought they would be snapping people up. I've never done it before - is it very competitive? Also, which is the best one to work at in…
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Make £1,500 to pay first month's rent and deposit on rented house
My situation, like many others, is a big old pile of debts. I'm very lucky though because I can get myself out of debt by selling my house and use the equity to pay them all off. My house has just gone up for sale and once it sells, I intend to rent. My problem is this: because of all my debts I have no savings. Therefore…
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Mackenzie Hall + Lowell Portfolio = New Tactics
Hi Everyone. Among these forums are loads of posts and tons of people who have dealings with the 2 companies "mackenzie Hall" (MH) and Lowell Portfolio 1 (LP) lets face it these companies chase the debts that are statute barred and they will try any method to trick you into some acknowledgement of a old debt. They start…
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Long time Listener, first time caller
Hi All, I've just joined this site after many months as a lurker, I've gained so much from it and felt that it was time to raise my flag and say hi. I'm not sure that this is the right board to post to, but it's where I spend most of my time, looking at the challenges, tips and support. A little about me, I entered an IVA…
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Help
Hello all, well where do I start. Firstly, thanks for taking time to read. I'm basically sitting worried sick about my mounting debt and I dont know where to start so thought a good place would be to admit my situation to other independant people in a hope that it makes me feel slightly better to start my debt free journey…
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Career Development Loan
Hi all, I am in great need of some advice I have to pay my career development loan soon and I dont have the money to pay it back, I earn £450 a month doing part time and my rent is £315 a month. My loan will be £209.89 a month what can I do? I live with my fiance and her borther and dad, we split the bills and rent so…
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prepay cards
Hi I want to shop online for my groceries but none of the supermarkets take solo online. I don't really want to pay five quid a month for the credit builder card, can anyone suggest anything else? I hope this is the right board for this messsage!
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hsbc contact details
Hello All I've eventually got the guts to write to HSBC to explain I'm in financial difficulty and to hold activity on my accounts etc (thanks to this forum so thank you all so much)! But where should I send the letter? There are so many addresses for them, I want it to get there asap and not be passed from office to…
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new to dmp
Hi, just sent info to ccc and waiting to set up plan. Have sent all creditors template letter and dmp ref, but still can,t stop worrying about recieving phone calls, letters etc. Also one of my creditors is lloyds, and egg and after reading several threads am worrying about them not accepting my dmp. can anyone put my mind…
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Will we lose our house if we go bankrupt?
Hi Everyone My situation is when my long term partner bought our house the mortgage he got had very high monthly payments. This was ok while he was employed and could also rely on the help of credit cards. Once all the credit cards were at their limit and he could not pay them each month he got the help of a debt…
