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looking for abvice
hi all am new to this site,any advice gladly accepted problem is i am skint -up to my eyes in it,the more i earn the more i have to shell out we are family of four me the wife and 2 lads 11 & 13 and the dog income is £2300 jointly we have a £170k morgage £30k-£40k neg eq, paying £1250 a month debts of £30k - some are on…
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I have received a default judgement and I cant afford to pay it
Help! I have received a default judgement for over £6k for something that I feel the amount owed is unfair, i did fill in all the court forms saying that i disagreed, and that i couldnt afford to make the repayment in one go, but the judgement requests full payment. This was done at a bulk court, on 16th March i received…
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New and in need of support
Hi All, I'm totally new here but have used Martins Site for information and advice in the past - but i'm just feel totally stressed out and down today - I really need some words of wisdom and hopefully reassurance that it will be okay! Myself and my partner don't earn a bad wage between us - and have always coped with our…
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Hello There
I am posting on behalf of a friend who has got themselves into a bit of a mess with his gas payments. He hada bill of just over £1400 before christmas and made a number of payments totalling £300 then had a number of set backs and couldn't afford to make the £150 monthly payments requested by Scottish Power. They have now…
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Getting interest and fees and charges stopped / refunded
Hello Since being on a DMP with CCCS approx 6 months ago, most creditors froze or reduced to around 3% interest. This has been much appreciated One refused, and another has just reverted to 17.9% fees and is saying ion a recent correspondence that as my OD is being removed, I will be deemed to be breaking the OD on 1st…
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Sad single and lonely,
Hi all, As the title says it seems that when a relationship breaks down like mine has there is so much to sort out you just feel so lonely and bored. I have my little one who when im with him or he is here it is fantastic but after he has gone the bordem starts, Im not intrested in seeing anyone at the moment or maybe for…
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Which Credit Report
I need to just make sure I've paid off my debts which credit report is the best? Thanks
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OH Attachment of Earnings, does my income have to be on there???
Oh received an attachment of earnings from the court for his debt. Do I have to include my income??
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Paying off credit cards. A catch?
Hi all, Me and my partner have rather large credit card debts between us (30K, most of which are thankfully on cheap promotional rates) and earlier this month we started along the road to clearing them off. Currently we're paying around £670 a month in minumum payments. We decided the best way to do this was: 1) Set up a…
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Where do I go from here???
Hi all, Started receiving a number of letters last year for credit accounts in my name but that I had no knowledge of (believe it has been ex partner who has opened accounts on line), one being from Capital One for a credit card. Following advice on this forum I sent numerous letters to them asking them for a copy of any…
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Daily scratchcards...
I know a lot of us DFW's do the daily scratchcards on bingo sites and just wondered what is the most people have won on the free one's. My highest is 50p, had a fair few 25p's, but they tend to be 10p's more often than not, I suspect that is similar for most!
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His debt do they need my income???
My husband has to compete a statement of means for the court with regards to a dept in his name. (dates back from years ago). Do I have to put my income on this?? Hope you can help
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newbie needing support
this is my first post here so hi all! i don't know whether this is the right place to post but here goes... just a few short months ago i had a lovely little life that it now seems was held together by blue tack. a year ago i managed to set up home with my partner and we both had decent enough jobs. to get us going in our…
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DMP and Living Abroad
Hi there, Looking for some advise. We have set up a DMP with CCCS and my husband has been offered an amazing job abroad, can we continue with our DMP as we will still have an active Uk bank account? We are NOT trying to skip our debts. We want to continue paying the DMP but not sure how it works if we live abroad. We will…
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Weekly Spend Challenge W/C 22nd March
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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how to pay when the jobs gone?
hi, Theres a good chance my job will be ending next month so after some advice on what to do about my direct debits when the money stops coming in. I have a loan, but have insurance on it, so thats ok. but my car insurance is £77 a month, i have a contract phone for £35 a month and broadband for £17 a month. These all come…
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Advice on repaying Welcome Finance loan back early to be debt free
Sorry I am reposting this in this section of the forums, because I think there will be someone who has experienced this on the debt free section Hi there, I would be really grateful if someone could give me a bit of advice on repaying my Welcome Finance secured loan back early? I took out a loan in December 2008 and now I…
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Settling debt - update credit report?
Hi everyone After settling a debt how long does it take to show it as having been settled on your credit report? I heard there are certain dates that company's update them and apparently 27th of each month is one of them?! Thanks in advance.
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issue wioth interest - template letter needed?
Hello, Approx 8 months ago, after a couple of months on a DMP with CCCS, a credit vcard company I have a debt with finally agreed to reduced interest capped at 5.9% for 6 months In Jan they wrote saying as of 1st Feb the agreewment would end and full interest would be charged. Several phone calls led to a request for a…
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Returning HP Car to Ford - Anyone already done it?
I'm returning my Mondeo to Ford under s90 of the CCA (voluntary early return) it was second hand and I've had it nearly 3 years (re financed July 2007) The questions I have are these; 1. Are you responsible for any mechanical fault when they divvy up the money they want off you to fix it before auction, I know you are…
