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Banging my head up against a brick wall...
Hi, I'm all new to this, I'm in need of some advice please, I hope someone can help.... Almost three years ago, my hubby and I decided to try and sort our terrible credit rating out, it was mainly through overstretching ourselves, a bit of bad luck, and having a sub prime mortgage with massive monthly repayments which we…
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on the verge of ending it. cant see a way out
Today ive have finally reached the lowest i can go and i dont know what to do i have had the worst year of my life and it keeps getting worse and its all my fault I post on here a lot but i have to tell everything as it cnt get worse me and me ex OH brought a flat the week before Northern rock crashed. Am now in negative…
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DMP Help Required
Hi Just a bit of background, current situation is that I am married with 2 small children under 2. Have debts (2 credit cards, Egg and Halifax, 1 store card with GE Money and an overdraft with Barclays) totalling around 18k. Have been thinking about a DMP for a while and have decided to go ahead with it as the CC companies…
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question about cca
I recently sent off a cca request to lowell for a large debt I had been paying off monthly. I suspected they may not have the cca as they had accepted a low monthly payment from me without asking questions. I hadn't previously sent off the request for fear of them withdrawing my payment plan and taking further action…
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Heading for Bankrupsy - Help????
Where do I start? - I am a mum of three who is recently divorced. My husband left us 16 months ago in severe financial debt (all in my maiden name as he couldn't obtain credit) and the moment he left he payed nothing towards anything including the mortgage. Subsequently, our house was repossessed and I now live in rented…
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Credit Unions
Hi We move to Reading in 3 weeks time and I have noticed that they have a credit union available to anyone who lies in Reading. Do any of you MSers use a credit union and if so is it different in anyway to say saving with a building society? We can't get credit at the moment (OH is BR) and don't actually want it ever again…
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help needed
I have been on this site befor and found the help offered very good, i have changed my bank account from barclays to alliance and leicster, i am having mine and some of my OH money paid in there the problems i have that i need help with are as follows* what do i do about the old over draft on our old account as at the…
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Very proud of my no spend month!!
As a desperate way to stop spending money, I joined the no spend day thread and so far am on 9 days in March - that's four more than I thought I'd manage!! Really quite proud of myself and thought I would share the things that have helped me achieve my goal: 1. Bring teabags and sugar into work and make own tea instead of…
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In a mess after separation
Hi I don't know if anyone can offer any advice regarding my situation which is quite messy. I separated from my husband in Oct/Nov last year and I am now living in a house-share. My Ex ran up quite a huge amount of debt whilst we were together (Some I knew about, some I didn't, some in joint names and some in individual…
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Council Tax Bailiff Advice Needed ASAP
Hi, I just wondered if someone could offer me some advice regarding my brother. He got into debt with his council tax bill, was taken to court and the bill was passed onto the bailiffs. They visited his house, made a list of goods and he made an agreement to pay them 50 pound a week. He made these payments until he became…
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P2c
Haven't been on here for a while as we have been gradually and successfully working our way out of debt but have had a major upset and been unable to pay our lst Gas DD so had to cancel it, now Scottish Power are demanding full payment which we haven't got. On Saturday morning we got an envelope, in the middle of the…
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F&F + Fincial Year End
I was looking at the companies house webite and remembered something in another thread that made me think about this. Is a company more likely to accept F&F offers near the end of their financial year to boost their profit or reduce their amount of debt owed? In companies house, it lists "Last Accounts Made Up To" which…
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DMP and mortgage
i was wondering if anybody out there was on a DMP and how it affected renewing mortages. We are on a teo year fixed rate which is not up until Oct 2010, just wondered when we go to remnew the deal how will it be affected, we are currently with Cheltenhan Gloucester. Will I ahve to get another mortgage lender, wioll the…
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DMP Creditor goes into Administration - Where does that leave me
I have just found out that London Scottish who are one of our biggest Creditors on our DMP have gone into administration. Does anyone know the implications of this ?.. Trying to get an answer from Payplan but wait on the line for ages and ages and ages...hence the post here ! Thanks in advance
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Rossendales and the mess im in, please help im scared
i must aplogise in advence for a lenghty post Im 24 living with my partner also 24 and two kids, i have spent alot of of my past on incapacity benefit due to severe panic attacks and depression, after sometime i moved onto job seekers to no avail and eventually my partner found work, my JSA claim had to be stopped and we…
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*Moaning Monday Chat Thread**23rd March 09
I thought we could all get our moans off our chests today.... I can't think of anything to moan about.....I am back home, I have a day off! What more can I ask for... What about you lot??:j
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Monday 23/3/09 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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Old Credit Card Debt Help
My wife has received a letter from Lowell Portfolio I Ltd who has appointed Red Debt Collection Services to recover an outstanding balance on a Capital One Credit Card. The letter states that they have appointed Red Debt Collection Services to recover the outstanding balance and have asked her to contact them to discuss a…
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What to do next? a little help...
evening all! first time poster, great site! so i recieved a letter beginning of feb from a debt co. called srj enterprises( they have been mentioned before on this forum)., informing me that i owed them 2 debts of around £4000 and £593. i rang them to ask where these had come from, they gave me details of an old address i…
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A mortgage & a loan - What to pay off first.?
Hi, I have an outstanding loan of about £800 left which ends in august. Not long ago we took a 20yr mortgage, and took £2200 extra for a few things (french doors, new kitchen etc). Now we have about £890 in our ISA which is left from the mortgage extra, and about £1200 tied up in savings at the moment. We want to pay the…
