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Really don't know how long i can cope with all this
I'm having a real down day today, been sending token payments to creditors since Dec along with letters (written by Payplan) explaining the situation and our income & expenditure. I totally accept that we owe the money and we took the credit in the first place, I'm just fed up with all the letters either ignoring the fact…
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Can You Get Creditors To Meet You Half Way?
Unfortunately I have had a business collapse over the last couple of months and left me with £27,000 worth of debt. Two of the debts are hire lease agreements that I have given a personal guarantee to repay. One of the leases has an amount repayable of £2,000 with the other at £7,000. I have explained the situation to both…
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Advice re self managed DMP
Looking for some advice re self managed DMP please. Have posted my SOA previously and got some great help, now with everything reduced I still can’t meet the minimum’s but its not as bad as I thought it was. So, I have CCs with:* MBNA A&L (at limit – 29% they won’t reduce) * Egg (at limit – mixture of 5.9% LOB and 15.9%,…
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Unclear about benefits of paying off personal loan
Hi, The general advice here seems to be to pay off the most expensive debt. However I'd hate to lose my ISA allowance for 08/09. If I pay off the loan, I'd only have £200-300 left + overdraft. I don't think there's an option for me to pay half the loan first - I think it's all or nothing. Any ideas?
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Had my post deleted - why?
I've had my post on the "Seriously Flu**ed" thread deleted. Given that it wasn't abusive, it didn't advertise anything, and the OPer thanked me for it, I don't know why it's gone. Would the mod who deleted it please explain to me why?
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Your 'rules' for handling money smoothly - need ideas!
Had some great, lovely and friendly advice recently so I hope you don't mind me asking another question! Anyways... My question is a general one. I asked a while back how people organise themselves with bills and whatnot, and had some great answers. What I wanted to ask now is, what 'rules' do you stick to and abide by…
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Anyone had any luck doing F&F with Moorcroft?
As the title says, I am looking for some advice about dealing with Moorcroft, particularly F&F advice. I have done a search on here and 99% of the posts seem to be slating them and their tactics. Can I call them to discuss F&F settlement, or is this to be done by letter only? Will they even entertain the idea? Not really…
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Breakthrough!
:eek: Ironic I know but I am so happy I just wanted to tell everyone that my husband has finally come to admit we are struggling in debt!!! Yes I said WE!!!! Previously (and some of you may know this) it has always been me who has had the worry and honesty to admit we need to do something. But hubby actually broke down…
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Pets insurance
Hi Sorry I didnt know where else to post this question. We (hubby and I) are about to embark of some kind of DMP (just made enquieries with CCCS) and we have 2 dogs (Lurcher & Greyhound) who dont get taken out much but are happy to run around and exercise in back garden. :o They dont eat special food just 'scraps' mixed…
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Help wording a letter re Debt i don't think i owe?
Hi everyone This morning I received a letter (notice of intent to commence debt collection action) from Advantis Credit Limited regarding an outstanding balance owed to United Utilities. On this letter it states the ammount owed is for the period ending 13/03/05 for my previous address which i moved out of on 11/08/03. I'm…
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Help Required!
Hi, I wonder if someone could help/advise me. I've sent off my cccs papers on a DMP but am still unsure if this is the right thing to do as I know that I will have to change bank accounts and then will only be able to have a basic bank account. I'm frightened that I won't be able to buy things on line (ebay, amazon, etc)…
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scottish government dmp version
anyone with them just now? cccs advised us that the scottish government plan might be an option for us. interested to hear other peoples experiences.
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dmp - calendar year calculations
i am too dippy to figure it all out but how does the cccs calculating everything by a calendar month help the plan out? i cant see how extra income that doesnt come till ten months down the line gets calculated with current income right now.
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Finally feeling a little more positive
Finally I am feeling a little better after finally sitting down last night and going through my finances, even though it took me at least 4hrs, I know we have no money but I feel I can see a little very little light at the end of my finances situation. I have already done a SOA, but I felt that I needed to do this also in…
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Apex Credit Management Ltd - are they MBNA
Just wondering really because MBNA can't produce a CCA for me and they said they would send it to a DCA. Hve ahd a letter from this Apex >>> and am wondering why they would take on an unenforceable debt.
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Eversheds collection card
Hello, I received a card through the door yesterday from Eversheds (lovely organisation that they are), saying that an agent is going to visit in the next 48 hours about a debt I have with them c/o Max Recovery. Is this genuine? I admit that I have missed a couple of payments, but I am currently in talks with Payplan about…
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how can i boost my credit rating?
sorry folks, didn't know where to post this one. i recently enquired about a mortgage. i was told i was a borderline pass for credit which meant lower amounts and higher interest rate. the fact that i am staff at the particular bank didnt matter! i have since checked my credit rating and noticed one flaw. that is that i…
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Massive debt what to do next ??
Hiya, Am new to all this so i will apologise in advance for any mistakes or things i miss out. Would like any advice i can get on what the best course of action is now I roughly owe about 52500.00 in unsecured loans , mortgage of 71000.00 secured loan of 23000.00 and cc debt of 38000.00 i know its really bad ..... i dont…
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friday 6/2/09 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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Car Finance Trouble Urgent Help Please
I don't know of this is the right topic to place this, sorry if it is not. I recently purchased a new car by finance. However I have encountered a couple of after-sale issues. My previous vehicle, was still under a Hire Purchase agreement with Fiat Auto Financial Services, however I had reached the threshold whereby I was…
