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am i missing something?
i could quite easily be about to make myself look very dim but with figures constantly whirring around my head i need some clarification on some issues 1/ with a self negotiation plan with creditors for reduced monthly payments, does this not just mean you will still be paying the same loan back but over a longer period or…
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cccs how long will it take to get DMP?
Can anyoneplease tell me roughly how long it could take for cccs to set up a DMP once i have made the initial phone call?
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Any advice greatly appreciated.
We have a huge access credit card debt and are only just managing to meet the minimum payments. The debt has accumalated through lots of reasons but mainly because I have been paying the utilities with the card. I only just found out we could have asked for help directly from the utility companies. I am a pensioner and my…
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Next Directory debt.
Hi, We are setting up a DMP with CCCS which we anticipate starting in April, possibly May. In the meantime we have started making token payments of £1 to our non-priority creditors. Next Directory have cashed our £1 cheque but have sent us this letter: "I write with reference to your letter regarding your Next Directory…
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PPI Advice
Can anybody advise, if an offer has been accepted as a settlement figure for an outstanding debt. Can i still peruse a PPI claim against the card company ? thanks in advance
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Remortgaging whilst in a DMP
Hi, I'm looking for advice on whether or not i can remortgage whilst in a DMP. My current mortgage lender have refused outright, and i'm rather worried as I'm facing the prospect of having to sell my house, (really don't want to) if i can't remortgage. The situation is that my mother helped me buy a house, and it was a 5…
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Can't find a way out
A few years ago my partner died unexpectenly. Due to his illness I borrowed without thought to try and save his life. Following his death I didn't work much but survived as best I could, then finally throwing myself into work. However, I had to survive, I admit depression and the need to keep going meant I spent more than…
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Srj Debt Agency
Does anyone have any idea how i get this company off my back, about 2 years ago i ordered a mobile phone with 3G, when the phone never turned up i called them and told them to cancel the contract, they said they would but then i received a bill, i called and they said that this would not happen again, it did twice. I then…
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Help!!
Hi, I’ve posted under a different username to my normal one in case my ‘friend’ recognises it as it contains my actual name! I was wondering if anyone has ever been in a similar situation and how they managed to sort it out. About 5 years ago a friend asked me to take a loan out as they couldn’t get one. They promised to…
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Please Advice a highly worried and stressed debt-free Wannabe
I barely managed to pay all my bills at the end of January and over the last 2 weeks have been mulling over what to do at end of February, but suddenly realised there are 2 more weeks left in February - I am very worried now. I have thought of not paying my old debts (more than 6 years) anymore, but obviously that would…
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How did you break your spending habit??
There must be people on this board who have broken their habit for unnecessary spending....how did you do it? Do you still have the impulse to buy things because you feel like it? I'm a sahm and while my OH is at work I find it really hard to be good and not spend money on stuff I don't need..... a coffee in a coffee shop,…
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Help Help Help
Hello every1 - We need serious help!!!!!!! Our debt is spiralling out of control and including a loan of 17k stands at 30k. Urgh!!!! Don't know how it got so big. After some big money saving tips!!!!!!!! I have worked out how much we are spending and it's not good. Has anyone got any good ideas on how to cut down my 450…
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Mbna
Had a call today from MBNA regarding my husbands CC he has been trying to negotiate with them to reduce payments and stop interest etc. Anyway they said that they can't accept his offer as they have looked into our account and as we booked a flight to Orlando on the card to take it to max? Is this normal anybody got any…
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Advice on what to do first please
Kind of a post on my behalf but mainy for the other half :rolleyes: We are looking at getting a house in a few yers time so finances and debts need to be sorted. I had £4000 on my HSBC card 2 years ago and thats now down to £200. Ive also got a loan at £128 a month that ends in 2 years time. Not so bad you think but read…
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Buchanan, Clark and Wells
Received my first letter from BCW today, after ignoring the first 3 letters from Aktiv Kapital. Thankfully I have read a fair few forums prior to this so I knew better than to try and call them, instead I had a friend e-mail them the suggested letters. Just thought I would mention, if you e-mail them (especially at the…
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Letter from Capital One
Last week I wrote to all my creditors asking them to suspend charges and interest for 28 days whilst I seek financial help with my current situation. Most have ignored my letter (I sent them recorded so now they were delivered) apart from M&S and Citi who have said they can't do anything until they receive details of my…
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budgeting allowances?
Hi all :wave: Im just wondering what you all allow in your budgets for things like shopping/car insurance/treats etc Im trying to make cutbacks where I can and should be debt free by august this year but have never managed to budget for things so thats my new plan of attack to prevent myself getting into debt again :o I…
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first time
well took this step and am going to be asking some questions over the next few weeks to try and get myself soerted. my hands are shaking while writing this! well my first qusestion? we have a credit card with lloyds and its at its limit, we are paying the minimum at the moment as that is all we can afford but is there any…
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When economising would you start with the big stuff or the little bits?
Wasn't sure where to put this question but reckoned you guys on here ae probably the best on answering questions about economising.:) Hubby will be taking a pay-cut from next month. I am job-searching (and getting nowhere!). So we need to start making cut-backs. I need to start with 'baby steps' for hubby. Would you start…
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link financial - court papers already!!
my debt with ge bank was passed to link financial only last month and today i received court papers!!! - im on a dmp with payplan and cant get hold of them till Monday but im ever so worried - not sure what to think - the debt is £5000.00 and im in a shared ownership property ( 50/50) with a housing association - i suppose…
