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Are the bailiffs coming??
Got a letter today and not quite sure if this means the bailiffs are coming and what I should do for the best? I am in Scotland so not sure if that makes any difference to things at all? I am saving up my hardest to become bankrupt but no where near the £100 yet that I need to do this. I will post what the letter said, and…
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washing machine rental help please
Quite a few years ago, whilst living in a student house, I rented a washing machine in my name. The washing machine was never collected and I am still paying rental for the damn thing. Thing is, I have absolutely no way of getting the washing machine back - it's probably sitting in a tip somewhere as it was about 2001 we…
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Yo - Little Help
Hello, Bit of an issue really with HMRC, thought you guys would have an idea.... My g/f recently had an account with barclays and due to an ongoing issue with her overdraft (that has been pulled despite us battling for it to stay, they said they would product match and they haven't, that sent a letter saying it was…
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How much token payment should I send?
Just sending my letters to my creditors to state that CCCS are doing my DMP but how much token payment should I send as there are some that haven't received a payment for September??? Many Thanks in Advance... Nikki
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Hello everyone
It’s just a short note to say hi to all really, I have been lurking on the forums, picking up advice and I am grateful to have access to a forum, where people aren’t judgemental, to know we aren’t the only ones.:rolleyes: I am a contractor, so the monthly payments are irregular, and we are trying to set up our own…
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DMP Debt Management Plan - best organisation to go with?
Hello everyone, I am very close to trying to arrange a DMP with my credit card companies. There are many organisations out there (like MyVesta, etc) that say they can work on your behalf to arrange a DMP. Does anyone have any good or bad stories to tell about their DMP people? By the way, I realise that I could contact the…
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Small student debt problem and questions
Hi there, I'm a student about to enter my third year of university. I currently have two accounts with Natwest. A student account, in which i am £1400 overdrawn and a student credit card to which i owe £200. My student loan comes in on Monday and obviously the first thing i am going to do is pay-off the remainder of my…
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Do I pay off debt or save?
Im in a bit of a situation and ned some advice, I have an old debt of £4780.26 which has been taken over by another company and I do not pay any interest on this debt. I make a regular payment of £25 per month to clear this debt. Another one of my debts I paid off last year with a settlement discount. I have just started…
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Hope someone can help as useless with tax!!
Hi I have a part time job cleaning in a school and get £70.50 a week. I have been offered another job at basic rate for 10 hours--which I believe(not checked it out though so might be wrong) is going to be £5.73 an hour as from Oct 1st so that would be £57.30 per week extra. Could anyone please tell me how much tax and NI…
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Full and Final Settlement Figures
Guys as promised here is a list of my creditors... 1. Cooperative Bank £12,811 2. Barclays Bank £12,700 3. Cahoot £7,057 4. Link Financial £4,522 5. Hfc Bank £1,934 6. CL Finance £540 7. Collect Direct £529 8. Capital One £500 9. Mbna Europe £464 10. Argos Card £376 11. Barclaycard £277 12. Royscot Financial £174 Total…
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Prove it? What do they need?
Hello all, Hoping someone here can give me some advice. I was being "hounded" with letters from Red Collection and Hamptons Legal (same company I know) so I sent them the following : Dear Sir/Madam Re:− Reference Number xxxxxxxxxxx You have contacted me regarding the account with the above reference number, which you claim…
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settlement figure
Hi all, I have finally got a debt of mine down to a amount that is within my range to settle. The debt company rang me and were trying to get me to say i would settle but i said i would have to work out my money and am not sure yet. They said the settlement figure was a disount of 25% off the debt. Can i haggle on this…
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Having a big blub
Hi, Haven't posted for ages but have been getting on and paying back debt steadily. Had the first blip in ages and it's really thrown me - my DH is in the Royal Navy and when he's at sea cashes cheques for currency and bills on the ship and so on, and they all came out (4 months worth) unexpectedly today of our account and…
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Advice
Hi everyone, Getting paid next week and have done some overtime and can afford to throw £1000.00 at my existing debts... The question is, which debts should I pay first although I think i know the answer I will ask the forum for their advice. Sky Credit Card Debt: £2400.00 16.9% APR Bank of Scotland Credit Card £972.00…
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I hate Halifax
Help I have just got off the phone to the Halifax, they rang me!! I have gone over my overdraft by 323.00 and they want it back asap. I offered them a small amount and they refused. She ended up terminating our conversation and put the phone down on me! This month I have paid 210.00 in bank charges. What would be a…
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A new DFW - the lightbulb moment
Hiya I've been lurking on these boards for some time and I've been sooooo impressed by the level of support given here and the dedication in which you guys are clearing your debts. Its now my lightbulb moment !!! I've decided that with the way things are at the moment (economically in the world), I want to face up to my…
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I am finally debt free!!!!!!!!!!
Have you seen my signature, have a look, another look, do you see that? My debt amount is £0!!! I still can't believe it, I'm so pleased! There's no way I would have been anywhere near debt free now if it wasn't for the support of the amazing DFW peeps. I have been given the courage to face up to the debts I have been…
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Bad Credit
Hi Guys, Well its my first post on here mainly becouse after 4 years of battling with debt problems i have finally gone down the route of a management plan. Me and my girlfriend have approx 40k of debt to credit cards, loans the usual. Its taken me 6 months of being on the plan to admit i had a problem as i was always too…
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Made Redundant today
Hey It's been ages since I last posted, I've not been very well and there has been loads of stuff going on. I found out that I am being made redundant today. Well actually I'm not going back. I've been looking through my redundancy offer and it's just under £3000, but I have no idea what I am going to do. I lost it a…
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Dilemma...
I really want to rid myself of this £40k debt I have on my back and have decided to go for F+F proposals to each creditor once I have saved up enough cash to be in this position, thanks by the way to everyone who has assisted me in making this decision :T My dilemma is that I was planning on returning to the gym monday…
