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Feeling disheartened
I'm feeling very low at the moment . Have had a brilliant offer from Lloyds regarding my loan, they have offered me a £12000 reduction on my loan figure of about £22000 , if I pay them £9925 they will cancel my debt! Only problem is I don't have any money! This is goi ng to be a really difficult year for me anyway as I…
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different default dates?
Hi guys im new to this and still working out where i stand with a debt i have. The debt originally with halifax defaulted in july 2003. I am now being chased for it by arrow global collections and their solicitors. Date on their default on my file is oct 2003. Any ideas/help/suggestions please?
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My SOA
Hi I am new and was after a bit of advice. I included Child benefits in our income by mistake but it all adds up right, our landlord pays our council tax. The only debt I have is my overdraft which is £500, at the moment I am right in it down to the last few pence and I would really like to pay it off sooner rather than…
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Wanted advice
Currently i have a loan with nationwide which is 10,000 i took out over six years which i currently have had about 14 months but prior to that was topping it up stupid i know. I have been made redundant and just wanted to ask what you thought as was thinking of paying of all this debt as have now found a new job.
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Credit Union, should I join one?
I've been reading up on Credit Union's lately and I'm getting mixed views on them. Can anyone advise me on whether I should join or not? The main reason I want to join, is to start saving and also pay off a few of my smaller debts I have. I stupidly took a pay day loan from paydayuk and now can't get out of a viscious…
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new here please be nice
i just have a question for all you wise people i have debts of around 13000 with about 12 companies, i Have started paying Chiltern to sort this mess out for me but one of the small debts is for £150 and it is with a collection agency and i wondered if i could offer them a full and final payment of £60 to write off the…
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is it me???
Hi all - just wanted to post my situation/dilemma for some advice/different views. DH and I have been discussing moving house for around 2 years. DS1 is due to go to senior school in 2 years time, so we wanted to move to get near to the good local senior school. We also need a bigger house, or the potential to extend (not…
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Could someone please check this CCA
Hi everyone. (writing on behalf of parents,think i have most details but wont always have access to everything straight away) They have had an asda card for three years but have fell behind on payments and the debt has been passed to LINK who contacted my mum as the acccount is in here name in mid january saying pay up now…
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best budget?
before i send off my letters asking creditors t allow me to do pro rata payments could someone advise me the best budget sheet from all the credit agencies which woud give me themost to live off as some of them allow very little to spend. being disabled i have needs that areot luxuryitems and yet have no boxes to put this…
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Challenges for march?
Hi guys, I hear a lot about different challenges, being a newbie i dont know where to look for them, could some kind person point me in the right direction to the challenge boards please ? I would really like to get on board with some for march, Thanks:beer: Tisme x
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creditor chasing me by phone again
Hello all, my second post and just letting off steam a it here. Have been in a DMP for 3 years. Was paying £700 a month out of £1100 approx take home pay. This was crippeling me so I had to do a reduced payment for one month and the got CCCS to reduce my plan to £560 a month. (i still think it's a bit high but I wanna get…
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Help with Freemans Flex Account please - balance xferd without my authority
Hi I've been a customer of Freemans for years and always had an interest free account with them. In October 2008 I got a sales call in which I was offered a Flex account to run alongside my interest free account. The salesperson said I didn't have to do anything, it wouldn't cost me anything blah blah blah so I agreed over…
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debt-mortgage free
nearly remortgaged last week.had the papers--had the consent--just needed to sign.90k got on this site and came too my senses. never been debt free or mortgage free in my life. must be a great feeling.4 years till freedom :beer:
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Can I go a month without spending anything?
I really want to get some savings behind me, for when my DMP creditors get fed up and start demanding payment in full. After paying bills and doing the supermarket shopping, I reckon I could go a month without spending anything else. Bike to work so no petrol to buy, take sandwiches so no lunches, bottle of wine from the…
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Working out income
Hope someone can help. I have to hand in last 5 weeks wage slips to the council but some of them have overtime and bonuses on them but not all of them how does it get calculated for example say 3out of 5 of them have overtime and bonuses on them but the next 5 weeks wages is just basic do I have to go to the office…
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25% off nappies in Tesco
Just bought a 3 month supply but might go back for more :D Boxes of 88 Pampers for £9, usual price £12. My wife will be pleased with me. For a change.
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Returning a car on HP (Renault)
Hi All, After seeking advice from the CCCS about our financial situation we have decided to terminate the hire purchase agreement on our Renault Clio. We were told that to do this we need to write to RCI (Renault Finance) to let them know this is what we wish to do. It has to be done in writing to make it legaly binding. I…
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*** Sun 22nd Feb Daily Chat - Come in and join the madness
Morning all Been up since 6ish - done dishwasher, done laundry, made muffins... Today I'm intend to go through cardmaking stuff and pull together a kit for Easter cards and a kit for Thank You cards so I can make them without having to drag everything out and (even worse) put it all away again as its all that faffing…
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Debt Management Question
Hi hope someone can help me with a quick question. I have just severed all ties with the debt management company i have been with for over a year .... long story but after checking figures etc discovered i was actually worse off than when i had started plan and after coming on this site realised that they were ripping me…
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mortgage and secured loan help
could any one help please with advice. we are thinking of giving up our house and move in to a rented accomadtion. we are starting to struggle with payments each month mortgage and loan secured on the property i know for a fact there will be neg equity im sure of it. we have not missed any payments yet but will do soon…
