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yay i have a house!
i have just been informed by my local council that i have been allocateda property :j and i can move in a couple of weeks! i havent had a look at the actual house yet, but i have had a look around the area, and it seems quite nice - not on a big estate etc. Plus, despite being told that I would be offered a two bedroom…
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extra payments while on dmp?
hi we are with payplan have been for two years....my question is ..on here people seem to be making small extra payments to their debts. Are you on dmp's while doing this and can I do it ? My dmp advice that extra payments go thru them to be split with everyone, but that wont really bring the dfd forward where as i think…
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littlewoods/ndr
a few days ago i recieved a letter from ndr debt recovery saying my littlewoods debt had been forwarded to them. i recieved a second letter today which looked suspiciously like a littlewoods statement and theyve charged me £12 for a debt collection letter fee and £12 for a late payment fee. im going to send off for a…
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Debt on a estate
Hi Guys Sorry if this is the wrong place to post this thread. I'm dealing with my late mothers estate and one of the main points regarding any outstanding debt is that funeral costs are the first thing to be paid before any other debts are paid. My question regarding funeral costs is it only the funeral it self that you…
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Newly seperated - how do we divide up outstanding credit card balance?
Hi, I was wondering if anyone would know how to solve my problem??? My husband left me a month ago. There is a credit card in my name with a balance of £4,799.97 at APR of 16.9% (it's a John Lewis one). The minimum repayment was £144 this month. He has agreed that because we ran it up together (on essentials, food and…
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Can this be done?
Hi all, I currently have £7000 credit card debts and a £2500 overdraft (usually maxed :o ) My husband has at the moment a regular wage of £600 per week and I work part-time earning about £500 per month. Last month I paid £1000 of extra payment to the credit cards so we are getting them down as quickly as possible. My…
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Pap & Moozies what have/will you spend Tuesday 11th November?
Goooooooooooood Morning everyone:D just a loaf of bread for me today keep it low and have a great day:D
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Coucil Tax problem
Hello all A friend of mine has a real problem and I dont know what to suggest so I thought I would see on here if anyone knew anything Basically she hadent recieved her council tax bill for the three months after renting her property so she called them giving them her move out date and asking for a bill, when none arrived…
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50k and very down
Hi, Im new to this and apologise if Im posting to the wrong place. Im 50k in debt (probably more now), Im being kicked out of my (shared) flat, and probably going to break up with my parter. Oh and its my 40th birthday in a few week. This is not where I want to be. Any one of these (or even 2) I could manage, but all 4!…
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Reduced my overdraft without notice
:mad: Halifax have reduced my overdraft from £600 to £200 without any sort of notice. Surely they can't do that? I am currently £479 overdrawn. I phoned them and I asked can they put it up to £500 so I at least don't start getting charged while I sort this out and they have upped it to £400. I said but I'll still get…
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Response from Red/Lowell regarding "prove-it" letter
Heya, Hoping someone can help with this. All the threads regarding these scumbags have been very helpful, but I keep getting lost in all the types of letter template and legislation quotes. :D I've had a letter from Red Debt Collection/Lowell/Hamptons in response to my "Prove-it" letter (debt is more than 6 years old). It…
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Tuesday 11/11/08 What small dfw things have you done 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,…
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threat of statuatory demand
Hi I had a CCJ from Yorkshire bank for £1800 they have now sold the debt to Phoenix S.A.R.L and they are using Marlin finacial services to collect the debt. The CCJ went into arrears Through my own pig headednes and now they have treatend me with a Statuatory demand, I offered them £100 a month to clear the dept but they…
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Spend to save?
Just wondering what other people's views may be on this (hence the question mark in the subject line). I spent money on work equipment that allows me to work twice as fast on some jobs. It caused gaps in my work at first until I managed to get enough new work to fill those gaps. So that has worked quite well (it had to in…
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* Daily chat thread*11th Nov 08**
Morning peeps, chatty lot yesterday.. :grouphug: to everyone that needs it. Done the required couple of hours studying...why can I not be this motivated for the whole year! I would get full marks.....you think i would have learnt my lesson last session. Oh well - off to work in a while. whats everyone else up to today…
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Do i swap my sports car for a corsa
Well iv got a 172bhp Coupe its lots of fun to drive but I she only dose 30mpg if I try and if I do a bad run I see 17mpg the car its worth about £1500 as my insure is £850. Now Iv see the light and I need to save money to pay back old loans. Iv been thinking of getting old corsa as they will do 50mpg easy and my insure…
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Marlin's Solicitor - Mortimer Clarke
I have found out that Mortimer Clarke Solicitor (Marlin, Pheonix etc) is a one-man outfit, Richard Mathias... details here: http://www.intersolicitors.co.uk/uk-directory/england/west-sussex/steyning/mortimer-clarke-solicitors-limited.html I doubt we will see him in court..!
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UK Debts & Living in Australia now - Help please !
First time on here, but after reading many posts - I guess somebody out there will be more helpful than speaking to my creditors - Please !! I have left the UK (Not run away from debt), but have hopefully pursued a better life for my family !! The unfortunate part is that I was earning very good money in the UK, and hoped…
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8 yr old Barclaycard Debt Advice please.
Hi I would be really grateful for any advice about this from anyone with knowledge in this field. I'll try to be as brief as I can Caitlins Nanna Edited to say that for the time being I have things under control.
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hopeless
Hello everyone my story will be probably a long and probably not a first one. In 2005- 2006 I was ahppy debt free person everything changed when I left my job in 2007 to have my baby. Since then seems that everything just keep going down. My partner had his own serious debts he even thought to go bancrupt, but then he took…
