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My lightbulb moment has arrived!
It took a while for my light bulb moment - I reckon it's because I use those funny energy-saving light bulbs that take so long to get to full brightness :) My story isn't awfully interesting but goes to prove it can sneak upon you with a sledge hammer. I'm hopinh to document my way out of debt with so so limited…
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Council Tax & Bailiffs
I recently received a letter from bailiffs who had attended my flat for collection of unpaid council tax. I owe £360 but have not had any contact with this bailiff. They wrote on the letter that they will be back this week and will take my property even if im not in and they say they can do this due to the liability order…
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Submitted defence, requested CCA, now what
Returning to our ongoing court case. We received court forms for Northampton from MBNA, thanks to the advice on here we requested the CCA from them (this is now at 5 days) and have entered a defence online with the court service stating that we're awaiting a response to this request. What happens now? Do we get a court…
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Worried about OH debts aswell as mine!!
have been working really hard at getting my debts cleared, and reckon in 9 weeks time will have cleared my loan and can start saving!! was all feeling quite sorted and was huge weight off. Now last night OH was discussing his money situation with his flatmate, and after rent and bills he only has about £20 a week to live…
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Putting a line through text in siggy
I am pants and cannot work out how to do this - i wanna put a line through the start debt so can have new total as normal but i cannot work out how to do it. HELP ME PLS:confused:
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Secured v non secured dilemna
I just spent aaaaaaaaaages typing out my dilemna, only to lose internet connection and have it swallowed up :mad: So, here goes again! I know that moving unsecured debt to secured is the cardinal mse sin, but in the situation I have found myself in,it seems to be making more and more sense to me to do so. I've been…
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Westcot out of the blue!
I've just got a letter from Wescot Credit Service stating that I now owe them £217.48 and that I should pay by a certain date. This refers to a debt outstanding with British Gas. Firstly, this surprises me as I have no threatening letters from British Gas about the debt and I have made payments to them to clear this. The…
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making DMP overpayments?
I'm hoping to increase the amount I'm paying on my DMP, however I was advised against it by CCCS counsellor as they said unless it's a regular increase I can commit to (it's more little moneysaving things to add up eg NSDs) then not to do it as the creditors have to keep re-agreeing payments etc. Is there a way around…
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Weekly Spend Challenge W/C 8th Feb
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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Advice please
Hi I am currently unemployed and have about 7k worth of debt dont know how I am going to pay my monthly bills at the moment, I am on jobseekers allowance but that really wont pay my loans each month. Also I have a tv on a buy now pay next year, should of thought about this when I bought it but didnt think at the time, I…
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Do the banks actually give a toss
I've been on an agreement with Barclays/Woolwich whereby I've been paying an extra couple of hundred pounds a month on my mortgage because I was in arrears. Anyway, stupidly at the end of December I thought I'd just pay the norm as times are tight and I thought I'd actually try and have a nice Christmas. Big mistake. They…
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A friend in need!
I have a friend who need help. He doesn't even know the scale of his debts. He has accounts with Lloyds tsb and Nationwide. The Lloyds account had an arranged overdraft of £300. The Nationwide has no such overdraft facility. He went overdrawn with Lloyds TSB and was charged for doing so. Wages go in pay to pay the fees but…
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help please
morning all] just want to say a very big thank you to everyone that has helped me on here you have made a real differance to my life and income:j :j The help i need is i have sent all the dca a letter asking for a sca none have sent one back just got standard dca letter back what do i do now:confused: thank you
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To DMP Or Not to DMP
I've posted on the ask CCCS as well but thought I'd post here for some advice from other debtors. Picture in a nutshell: My wife and I are full time teachers. I've been teaching full time for 15 years and my wife 8. We married 10 years ago and were both already in debt with student loans and credit card balances (athough…
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Are you staying warm?
With the horrible weather we've been having, I wondered how people are coping?
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full final settlemnt
ok after doing all cca requests i have now sent off offers to Apex 8000 apex 2200 cl finance 13000 cabot 6000 mint 1800 capital one 700 tesco 2200 offered themall 20% of the total thought would start low, been on a dmp for 2 years paying £115.00 a month so ill keep you all informed as any of u had any dealing with full &…
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a little windfall
my oh and i are due to come into some money in the next few months. we are looking at approx 70K, we have the below debts my cc - 500 my overdraft - 800 joint overdraft - 300 my loan - 8000 his loan - 6500 car loan - 12000 savings - 5000 we are planning on using 55K as a deposit for a house, but im not sure if we should…
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Debt collection question!
Sorry if this has been asked before, but I'm just wondering...In the past when I have had no money whatsoever debt collection agencies have offered to clear a debt if i make a massively reduced payment. Like paying £380 to clear £710 worth of debt for example. But they always said it was a limited offer. If I phone them,…
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Pay off low debt on 0% or increase payments on larger ones with high interest?
Hi All Just looking for a little bit of advice. I currently have 3 credit cards with outstanding balances. One of these has been passed to a DCA and I have a payment plan, where interest has been frozen (this is the one with the lowest balance) the other two are for larger amounts and have interest being added on to them.…
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Council Tax query....
....can anyone give me some advice please? My mum is on DLA and does not have to pay council tax. I'm sure my sister who works full time and lives with her should pay some but the website is unclear and implies it is my mum who is the one liable for Council Tax. Any advice welcome! Thanks
