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Starting to pannic
I've been so good this month. Too good intact because we had 1200 left after the bills were paid so I thought that's it the credit card is going! 700 paid off and acct closed. Then I thought overdraft next so asked the bank to reduce od to 2500 from 2800 and not to put it up again. Feel amazing except that had a couple of…
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The "Bring the Diaries Back" petition
ok, so i used to always come on here, have a read at the diaries and think "holy crap the things some people go through - but they still here and got through it, and are still going strong". i guess what im trying to say is that with the diaries being here and "in your face" - it brings a first step of compasion, hope and…
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default removal
Hi i'm at the moment trying to remove defaults from my credit file. One is with Orange communications and the other with the Royal Bank of Scotland. Both debts are now being paid by myself through debt collection agencies and i am trying to have them removed by asking both companies for written proof that they sent me…
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spending money to make money?
Hello troops, First of all, if this isnt an appropriate post for the debt board, please can a mod remove it? Thanks. I'm in the unusual position of having come into a wee bit of money (£500). My debts are coming down nicely, I have no cards left and only(!) loans which will not take overpayments though will allow me to pay…
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If I make a Full and Final Settlement to a Creditor and they accept...
...can I ever be chased for the remaining balance? I will soon have the funds to be able to offer all my Creditors Full and Final Settlements but am worried that even if I have in writing that they accept the amount offered it still won't clear the debt 100%. Can the remaining debt be sold onto another Debt Collection…
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Does my husband's debt come to me?
My husbands working hours have reduced from 30 to 20 to 16 and now it looks like he is going to be laid off. He has a loan, credit card and overdraft all in his name, the loan was taking on the understanding he was working for 20 hours or over. Well he's been on 16 hours for the past 6 months and we have paid off these…
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IVA about to fail, shall I move to DMP...?
My IVA which I entered into in March 2007 is getting tricky. My surplus income back then was £302, so this is what I was paying into the IVA. Now, 2 years later my surplus is only about 80 quid and they IVA IP say that isn't enough to continue with an IVA and are recommending me going onto a DMP. what are the good and bad…
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Miracle happened, what now?
hi, i was sacked from my previous job for gross misconduct (theft by employee) in january. And incredibly have found a new job (temp work), which i started last monday. If i send the agency my P45, will the agency then show on my new p45 as my last employer if i leave the agency? because if they do i wont have to mention…
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New to this...please help!
Hi, recently in talks with Pay Plan to sort our debts, very helpful, but have suggested to send token payments to creditors until DMP in place...can anyone tell me where to find a template of the letter to send with token payment? Also have read on here that the maximum token payment is £5, is that right??? Many thanks in…
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Probate / Administration advice please
DOes anyone know please whether a creditor can pursue an administrator of an estate for an outstanding debt that cannot be met from the monies in the estate? My mother died intestate about six weeks ago and we have uncovered several debts. There is next to nothing in the estate and we are not obtaining a grant of…
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I need advice on debt. SOA included.
Hi. I need some help and advice on my debts please. I am on DLA, IB and IS. My DH is disabled and my 17 year old son is on JSA and is on a 13 week course with them. I am paying out more than I have coming in and have been living on credit cards including buying food. The Halifax have just reduced my credit card limit and I…
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Lloyds TSB CC
I have posted a few times over the last few weeks about the stress which Lloyds TSB credit card are giving me .I got a letter a few days ago from sechirl,clark & michell which i was told by CCCS dont worry its just another dept of Lloyds but i have just read the letter again ,it says right at the very end our client may…
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Equita Bailiffs and Council Tax Arrears
I have just joined the site and wondered if you all would be able to advise, I have been an absolute idiot, and let my council tax mount up and I now owe £1350 according to Equita bailiffs. I tried to contact the council but they refuse to talk to me, I have tried to ask equita for a monthly repayment of £50.00 per month,…
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Going Around In Circles Red Debt Collection.
Hiya all, Right then.... out of the blue about 2 months ago i received a loveley letter from everyones favourite 'Chancers' Lowell Portfolio telling me i owe T-Mobile £65.08. I did have a PAYG phone with T-Mobile around 8 years ago but had no contract so therefore could not owe the money. Having lurked around i found a…
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Help - need money quickly really worried
I've posted my SOA and have had some debt management advice from an adviser at my students union so the ongoing debt stuff is beig dealt with but after I've paid my rent this month I will have NO money left and no acces to any. This means that not only do I not pay my creditors etc but the gas and electric go off (I pay on…
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I realy need help!
right hoping someone can help me, here my situation, i owe £10,000 on credit cards, i have £150 a month to live on, this is all i have and cannot increase it, ive not paid bill this money and im get £25 charges off my bank every month, had 3 this month and now over my over draft! i live with my partner but there is now way…
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Just had my LBM!
Hi everyone. I have just had my LBM and need some help! I am struggling so much with my debt. I added it all up and it comes to just under £5000! To some this may not sound like alot, but to me its a fortune! Its all my fault but I now feel at the stage where I need to sort out my problems. I am getting charges left right…
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Warning: Changes coming to the SOA Calculator
This is advance warning that the SOA Calculator input will change in a small but significant way in the next day or two - possibly as early as tonight. What will change? At the moment, you enter your mortgage details and secured debts across two parts of the SOA input form. The monthly mortgage and secured debt repayments…
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Opening a new bank account to help me budget - suggestions?
I currently have a current account with Abbey, which is a standard account - I have a Visa Debit card and a chequebook, and also have an overdraft of....£1750. I want to open a new account to help me budget, eventually I would like to have my wages paid into this account and transfer money into Abbey each month to start…
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Dipping my toe in
Been lurking a few weeks, ready to get started. Its not an unmanageable debt but it is far, far too much and I have been sticking my head in the sand. The Debt is mostly due to a couple of periods of unemployment, recent relocation for new job and a holiday(which i needed but oh so should never have spent so much), and…
