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Advice please
Hi there. Having had my head in the sand for a few years now I am trying to get some perspective on my problems and deal with them. The first step was to read lots on here, gain some courage and get a credit report from Experian. It shows a default dated april 05, but its been updated recently by Lowell Portfolio Ltd. A…
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is a debt management plan a good idea?
I am struggling big time i have credit card minimum repayments of £280 per month. I am overdrawn over a £1000 and I have just been told my hours have been cut too to 20 hours if i was too continue paying this amount to my credit cards i would. I have also recieved an over payment bill from tax credits (thats another story)…
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Could we Consolodate
Hello everyone, Have neve posted on here before but feeling a bit desperate and was hoping someone might be able to help. In the last two years my husband and I have bought a house and got married, overstetching ourselves terribly and now have got into a bit of a state with debt. Our joint debt is as follows: - Lloyds…
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Payments to Payplan
Hi, Hope someone can advise. I have been paying Payplan £1189.72 for the last 29 months and have never missed a payment. On the PP website it states that my DMP started at £72011.56, I have paid £34501.88 and have £37509.68 outstanding. If I carry on paying my monthly ammount then creditors should be paid off July 2011.…
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missed Medium on BBC1 last week! aaarrrgh!!!
And it's a 2 parter, part 2 is tonight..... It's not on iplayer.... does anyone know where i might be able to sneak a peek online? Or even get a synopsis, just so i have a scooby what's going on when i watch it tonight? Any help appreciated... i don't normally start threads but this is, well y'know, important!
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Ccj :(
My boyfriend is on a debt management plan with CCCS and most of them are fine - however, this morning he received a CCJ application from hfC. (this is exactly why he didn't want to go on a dmp in the first place and why he wanted us to just continue trying to pay the minimum payments for all his debts - which was…
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Second CCj for same debt.
Hi All This is my first post on this website, so please do go easy on me! Basic story is as follows; Had an unsecured loan (attached to a Together Mortgage with Northern Rock), took out 2003, originial amount was £10,000 over a 10yr term. Fell into a few financial difficulties in 2006 which meant could not make full…
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what does this mean?
Hi there. Having had my head in the sand for a few years now I am trying to get some perspective on my problems and deal with them. The first step was to read lots on here, gain some courage and get a credit report from Experian. It shows a default dated april 05, but its been updated recently by Lowell Portfolio Ltd. A…
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What are your goals???
hiya, ive been reading loads of challenges and peoples diarys for some insperation to help kick my butt in gear and id love to hear about everyones goals and what they hope to achieve ........ Id love to clear my CC OD and loan off by next year and be able to re mortgage the house so we will be a little better off.... ive…
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Bank Account - old partner still on it.
Hi guys and girls, This is just a quick question before i put my whole situation down later. I have been recommended to take a DMP by the CCCS (great help so far - thanks!), but split from my ex about 2 years ago, and we had a £3800 overdraft at the time. I have got this down to £1800 but I spoke to the Halifax at the time…
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Could do with some advice..
Hi all I could do with some advice with my finances.. I took out a loan earlier this year for my wedding for next year which is sitting in my account (£3000) I currently have £1500 outstanding on a credit card and an overdraft of £900. My income per month is £1000 - My outgoings per month are: £500 towards bills inc…
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Pap & Moozies what have/will you spend Wednesday 5th November
Gooooooooooooood Morning:D unfortunately not a nsd here as already been to the dentist this morning and have to go to the hygienist this afternoon. hope everyoneelse can keep it low
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Should banks do More to stop you getting into Debt?
Do you think your bank could have done more to guide you away from falling into debt and the charges? If so what do you think should have been done? It seems banks are quick to claim money off you but very few help you if you look like you will go into debt or as you go into debt!!! What do you reckon should be done in an…
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Cards that won't let you transfer the balance on them
I hope I'm in the right thread for this. I've been paying off my Argos store card for years, it's 27.9 APR and having looked at this site I applied for, and got, a barclaycard with a 0% balance transfer offer. I tried to transfer the balance of my Argos card and was told that Argos won't do this. Is this legal? What's the…
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Wednesday 5/11/08. 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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*Daily chat thread*5th Nov 08*
Fed up! posted nice long post and it went Gist of it was - Sammy busy revising:o Snags good luck on ecg:grouphug: bonfire night goes on too long:mad:
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Mercers Took Money From Debit Card W/out Permission!!!!
Can someone give me some advice, I was contacted by that scum mercers debt collection a few months back and told to make a payment. I forgot how much I paid at the time and I provided my debit card details so that they could take payment. I never signed anything which agrees what my monthly payment will be. It was all over…
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Do creditors ever stop hassling you?
Hi all, Wrote to all my creditors way back in August, and now on a DMP with CCCS. First payment through them due this month but I have been paying token payments until now. But I am constantly getting letters, statements, demands for money and umpteen phone calls from some of my creditors. One in particular, MBNA, keeps…
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Has anyone sent complaints to the FOS, Trading Standards and OFT??
This my sound silly but what do you actually send them. I assume a covering letter detailing the greivances you have but do you also send copies of letters from creditors. I will be sending complaints regarding 1st Credit Ltd. I'm sure i won't be the first(or last). Thanks.
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Newbie would like to say Hi!
Hello everyone I have been an avid visitor to the DFW boards for over a year now, but always preferred to keep a low profile. However, I am finding the burden of being in debt too much to cope with at the moment and so I thought it would help me maybe if I could receive the advice and support of others through this forum.…
