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Divorce & Joint Debt - any sugestions please!!
Hi Guys, I'm hoping that somebody can help me please. My soon to be ex-husband & I have a joint mortgage & joint debts of approx £45K. I've been told that because he has no job I will end up having to pay all the joint debts - when I finally get him to leave the house!! I've been struggling to make ends meet for the last…
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Hillside Messengers HELP
I opened my mail this morning only to find a letter addressed to my boyfriend (more of that later. It was a form asking him to telephone a hand written number, the company that sent it being Hillside Messengers. I have read up on this and it seems they are trying to find him and I have heard of them sending bailiffs and…
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Part or partical settlement
Hi Guys, I have a few debts valuing from £4000 to £16000. i am starting to negotiate with them to settle. so far 2 of them have given me offers: £1850 for a £7400 debt & £1250 for £4000 debt, which i think are good offers. however they have both mentioned a part-settlement and that my debt will be finished but marked as…
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I have a problem with a CCJ.
In 2006 I was involved in a car accident, this case was taken to court to assign fault, I lost and my insurance company paid the claim. Unfortunatley they (as insurance companies do) took their time about it. Last year I applied to move my bank account and was refused, it seems from experian that I have a CCJ as this claim…
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Nationwide
Hello everyone, does anyone bank with Nationwide? I haven't had my wages put into my account today and normally it's never late :confused: , my sister hasn't had hers put in either and she works for a different employer. As anyone else had any problems?
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Debt repayment spreadsheet - big OUCH !!
I've just set up a debt repayment spreadsheet to record EXACTLY what I owe, EXACTLY what I repay and to record any interest. It's spread across six debts consisting of four credit cards and two loans. Nothing is higher than 7.9% (LOB) except my smallest credit card debt. That is at 4.9% reverting to 14.9% (variable) on…
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Pro-rata payment hlep needed
Hi all, Wonder if you can help. On the advice of CCCS following a massive cut in my salary, they have said I should offer Pro Rata payments to my creditors. They also suggested that I open a new bank account as my existing is connected to my Overdraft and a personal loan. I initially spoke to them mid Dec but have still…
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Afraid of the postman
I feel really stupid as I have a phobia of the postman. It started when I ws hiding letters from DH around 6 years ago. I admitted probs to him 3 1/2 years ago and he said he knew something was wrong and we have been running on a budget since and paying things back bit by bit. My problem is that the postman has become the…
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No cca but threatening letter?
Hi all. I sent the cca letters for one of my husband's debts over summer, only response I got was a letter saying a high court appeal had deemed the cca rule not applicable (I assume they were talking about the Rankine case) so I just ignored it and heard nothing since. Today, he received a letter from the dca stating that…
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Would Council Tax make Agreement?
We haven't been in our property (rented) long, only about 6 months and DH has always been in a min wage job (was on JSA at one point for about 3 weeks). I have always paid the council tax at £17 per week (£900 / 52). We applied for Housing/C.tax benefit, but are only allowed some help with the rent (not C.Tax) :( I signed…
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New Years Eve 31/12/08 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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Happy New Year Every One!
You guys have helped me change my life the last few months, I'm still in a lot of debt but i have a plan and I feel for the first time ever in control & i can't thank you all enough. I wish you all love, happiness & luck in 2009 x
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Aims for 2009?
Hello everyone:j Am just wondering what everyones hopes/dreams/plans are for 2009? Mine are: 1) Pay off last £5000 and become debt free. 2) Get new job. 3) be happy. Happy new year! Hell
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£9 Travelodge Rooms - Cheap Summer Break
Hi All, I know that we are all on a DFW mission and my resolution is to spend as little as possible this year but I know I will only stick to it if I have something to look forward to! The idea of 3 years without a break is a recipe for disaster for me and the offer on Travelodge rooms at the moment is a great opportunity…
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so angry with OH
Just had to go onto OH's account to transfer some money for gas and electric and saw a transaction for £175. On closer inspection realised that must have been for the xmas present he bought me - A set of 5 various face creams. I am livid - that money would have fed us for almost 2 months. Unfortuately I've opened a couple…
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What should I pay off first?
Hi all Complete newbie here - what a fantastic site!! I have some debt which I'm determined to clear, but I don't know what to pay off first. My debt is: loan - £4000, rate of 9% credit card - £1656, rate of 16% store card - £300, rate of 23% 2 overdrafts - each one £1000, no idea of rate (with Natwest) I have been…
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What should I pay off first?
Hi all I am a complete newbie to this site, and have just registered this morning. It's such a wealth of information!! A really useful site. Anyway, I have some debt which I am determined to clear and want to get rid of a lot of it this year. I'm not sure what I should pay back first though. My debt consists off: loan -…
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*Daily chat thread 1st Jan 2009 ** HAPPY NEW YEAR TO ALL
I hope all that fits on the thread title!! Happy birthday Sally xx I am staying in tonight so i hope some peeps will be around to party.. Not getting any better at sleeping so am knackered today as usual, got the cleaner coming this morning so I will be out early - I am going to look at lights for the living room... Then…
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you bunch of lovely !!!!!!s......
well I'm going to have to type this again after it got lost:mad: I'm not the worlds greatest typer!! I just wanted to say to you all that you are a amazing bunch of people, and have helped me with my debts, albeit not knowing it as I'm a lurker ( when does lurking become stalking:rotfl: ) I did say in my previous post (the…
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AA/RBS Loan Repayment Holiday?is it possible
Hi just wondered do loans do repayment hols for 1 month? I have loan with Lloyds and think tehy do as autmated system says press thsi number for repayment break,oh thourght it was just availiable for morgage holders but wasent sure. He was wondering would aa loans run by bank of scotland agree to payment break? Anyone got…
