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Question for all you helpful and lovely peeps
I read somewhere on one of the boards but unsure which one. Which bank is it where you can have several 'pots' that you can label in the one account? and which account is it? Okay so that was two questions :) Thanks
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Fridy 21/11/08 what small dfw things have you done today??
:D 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,…
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Fell Of The Wagon :(
So i was a bit of a regular here for a while, but after not logging on for a while i fell of the wagon. My credit cards are bk to having there maximum balance, the overdraft is not clearing, i now have more debt with tuition fees :( its not looking good!! On the positive managed to pay off my car :D and change my car…
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Charging order can interest be added
I have a lot of debts ( about 50k) and Egg and HFC both have charging orders. Egg are accepting the original offer I made with no interest but HFC have managed to add interest each month. Can they do this as I understand if the borrowing is governed by the CCA then they cannot add interst. It was for a Marbles CC and the…
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CCJ can they change it?
Hi Everyone, Right straight to it, i have a ccj from about 5 years ago which i pay each month without fail to Jeremy sutcliffe & co. Today i get a letter from marlin financial services saying that they now own the debt etc. Question is 1, can they increase the amount of the CCJ or does it just stay the same? 2, can they…
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Long and complex - bankruptcy vs other options
Ok long and complex post apologies in advance! Unfortunately all of these issues seem to be interrelated, and its difficult to ask for advice without people being aware of the full picture. Over the past 12 months I have attempted to deal with a combination of a divorce, the tax office deciding that I have been underpaying…
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My spending diary
Ok so i have been advised by a few people on here to start a spending diary, as i have no idea where my money goes. So i will start from the start of this week (things in red are debt repayments) Monday 17th November £2.05 Coffee in college £5.16 in post office (ebay+play.com sales) £5 to Additions account £2 to Kays…
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In a muddle
hi there, have been an avid lurker on this site for sometime now and have learnt loads and have put much of what i have learnt into practice. So now we find ourselfs in the brilliant position of being able to overpay our mortgage:j .Our only problem is that our mortgage provider charges £55 per extra transaction. So should…
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In a muddle
hi there, have been an avid lurker on this site for sometime now and have learnt loads and have put much of what i have learnt into practice. So now we find ourselfs in the brilliant position of being able to overpay our mortgage:j .Our only problem is that our mortgage provider charges £55 per extra transaction. So should…
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I'm in trouble, went to CAB, now the hornets are out.
Hi guys. Please help. I'll freely admit i've been irresponsible with money over the years, but I have been making an effort to sort things over the last 12 months. Was paying off a £1400 pound debt, got it down to £500. Lost my job, so a pause ensued. During this time, the Student loans company passed my debt (separate) on…
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Banks moving funds from your current account to pay arrears on your credit card
I was unable to make the minimum payment on a credit card this month. On my next statement (Lloyds TSB might as well name them) very nicely stated that under their terms and conditions, as I also have my current account with them, they are allowed to transfer funds from my current account to meet the arrears on the credit…
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Help please
I received a letter today from a debt collect company in regards to a debt from shop direct financial services. I called up and queried this debt, and he gave me some details.....the account was opened in April 2000 and was marked as default in Feb 2002. Does this mean this debt is statutory barred? I am going to contact…
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I'm congratulating myself - anyone care to help me out?
Hello all, As you can see by my signature below I've now - and I've only just realised this myself whilst updating my accounts - broken the £10,000 barrier of outstanding debts! WHOO HOOOA! Ok so it excludes my mortgage but I'm still happy! This time last year I was around £12,000 in debt so it's coming down and I've…
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There's always something
You know when things seem to be going ok, why is it something has to come along that upsets it all? I've been trying to deal with my own debt for the last year or so and I can't say it's going too well at the moment but, given that I'm a student with a couple of years to go and a mortgage to pay and ..., I've accepted that…
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Wanna Get Outta Debt
Me and my girlfriend are in 10888 in debt. we had a baby last year, and moved into our own place this year we had a 7000 loan to buy everything new, (bit silly i know) over the course of the year we have built up another 3000 as we are feeling the pinch hard, my gf doesnt work as she looks after the baby full time and i…
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DWP £6000 Overpayment
Im a bit naffed off tonight. Over the last few days I have been looking at what debts I have and have used some good advice and tips that I ve been given and read on the forums. So Ive been feeling like Im beginning to understand where I am and what it is I have to do to become debt free. However Ive got home tonight to…
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MacKenzie Hall/Hitachi Nova
hi , just wondering if anyone can offer us any help? We recieved a letter today stating a ref:number, then persuers:Cabot financial Ltd, then Original Creditor:Hitachi Nova Then a sum of £4398. Then the letter says important- do not ignore, and goes on to say mckenzie hall have been instructed by their client Cabot finance…
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new to dmp
Can anyone give me advice please. Have just started dmp with cccs but may need to reduce my payment to them due to OH not having overtime and expensive dental bills to pay. What will happen with my creditors? some of them seem to have accepted my dmp but not all of them. Will i be able to reduce payments to them for a…
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Car finance - to sell or not to sell - HELP
Hi All, Looking to improve my current financial state and i have to say my biggest monthly expense is my car. Now its a convertable so the absolute WORST time to sell, but i really could do with freeing up some extra cash. There is just under £6,000 to go. Im thinking i have several options. 1. Carryon paying monthly -…
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Barclays Credit Card Interest
Hi, I hope that someone can guide me I am new so I hope I am in the right place for this question! I have a huge amount of debt which fortunately I have fairly under control due to payment arrangements etc. Barclaycard had freezed the interest on my credit card as part of a replayment plan, however as of this month they…
