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Self Employed DFW
Good Evening All, I thought that all self employed DFW could share stories and problems, since we face a fairly unique challenge with our debts and businesses. My story is simple I borrowed money through credit cards and unsecured loans to put into my business, simply put we are a retail business and have seen a 45%…
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It all Started with a CCA Request........
Hi, I am new to this forum and this is the start of my journey of CCA’s requests. I have currently sent of CCA’s requests to the following companies (all are credit cards): MBNA EGG CITI Group Sygma I would like some advice on the following please. I have received my CA from MBNA, for a card that was issued by Thomas cook…
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DMP's and getting new broadband
Hi, I'm on a DMP which started in november. I have broadband at the mo but was thinking of switching to a cheaper one now we have done our 18 month contract we had. If i did it through a new company though I would have to sign up to say 12 moths etc so is this classed as taking credit out? Cos I know u are not supposed to…
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Do I apply for a personal loan??
Hi I currently have 4 credit cards with possible outstanding balance of £10,000 in total. Im not sure whether to keep trying to transfer the balances to 0% cards or apply for a personal loan. I find that im paying about £300 a mth out on these and now I have started paying interest on 2 of my credit cards. I need to do…
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Help please
A relative and family are in a bit of a bind. He works in the construction industry and is used to an income close to £100k a year.:eek: A couple of months ago things were getting tight. At the time his wife was in denial and told me she wasn`t going to cut back and promptly booked two continental holidays.! It appears…
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Letter from Lloyds re Credit Card
Hi, hope someone can help. wife received a letter from Lloyds saying ''you have missed payments and your account is in arrears but in order to give you a fresh start we want to bring your account up to date and clear your arrears'' In order to clear the arrears we need to make a change to condition 18.5 of your agreement.…
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In a right mess
Hi mse, Ive been on the site before but new to forums. Im in a mess and dont know which way to turn. Im struggling paying all my outgoings and not got enough incomings. I get paid around 1050 a month My rent is 500 a month which is fine, but 224 owning for council tax, 250 from mobile(few months), my car tax and insurance…
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Urgent advice.
This week I have discovered my wife has run up debts of over £20000. She has used elaborate lies to keep this from me and gone so far as to take my wallet so I thought I had lost my bank cards. I stupidly let her run our finances always believing her when she told me our finances were in order. She wouldn't admit this when…
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Council Tax salary arrestment
Hi I wonder if anyone can answer me a question about Council Tax? In this tax year we got behind on our council tax payments. It started off at £179 month and eventually we were meant to be paying £240 a month and could not manage this. Eventually they arrested my wages. The payment is now only £130 per month which is much…
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Fun things to do with a 3 year old that dont costg the earth
Hi everyone i have a three year old son and wonder what can i do to keep him entertained in the evenings / weekends that i have him. Im going to jion the local swimming pool as its £20 a month for me and he is free, We have the beach but its a bit cold at the moment. We live in Norfolk by the way. Many Thanks
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letter to credit cards
Hi everyone, Would anyone know where I can find sample letters to send to my credit card companies asking if they could reduce my or freeze my interst. As I am having payment difficulties at the moment and need to write to them to see if they can freeze/reduce my interest. I have a hsbc mastercard and barclaycard. Could…
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one big mess!!
Hey Everyone, I feel like i just cant win, when i sort one thing out something else happens and i'm really feeling down. 2 years ago my credit rating was 363 out of 1000 so extremely poor. Now its 798 after some serious actions and money saving etc. I then apply for a loan to finalise the last stage of my recovery and get…
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* Sunday Service Chat Thread* 8th March '09*
Morning all! Well aren't I the bright spark....fell asleep at 8.30 last night....:confused: that running whacks you out...Sally I hope the knees feel better and its not too serious. If its any consolation and I am sure it isn't, I used to get that all the time (when I wasn't running) never saw anyone about it cos like you…
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uh oh - Im in trouble! Help?!
Hi everyone... I posted my SOA a little while ago and got some really good advice... things looked to be picking up but they've just gone downhill since then :mad: I paid off one of my payday loans and was planning to pay off the other two but unfortunately circumstances conspired against me :D and today I got a letter…
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CCJ problem
one of my suppliers sent me a letter saying i owed them outstanding money and wanted payment in 7days i had already paid the amount on invoice so called them. they checked and confirmed i had but it had gone into their old account not the new one but said that was ok amount was £69 ish today i ve recieved a CCJ form saying…
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Writing a termination letter
What should I put? I have got as far as I am writing to give 2 weeks notice to terminate my Debt Management Plan with yourselves. I would be grateful if you can confirm in writing that this has been done. Its a bit short, does it matter? Anything else I should put? I dont really want to give reasons due to them obviously…
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council tax arrears - advice ??
think i may be in a mess with council tax now, i moved in November and sent the new council tax form off, well it tok months and months to hear from them about what had to pay. anyway, the other half opens a letter that says we owe £500, council tax on new house and what was oweing on old house we moved from, which they…
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Aktiv Kapital
Hi there, My sister has accumulated a lot of debt over the years and is currently paying off a store card. Aktiv Kaptial (credit company for the store card) has sent her a letter stating that if she pays £150 within 14days, they will clear her account. Her outstanding balance is currently just under £1000, so £150 would be…
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Weekly Spend Challenge W/C 8th 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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finally decided to confront my debt
Hey guys just a quick run down of myself and my debt so far basicallly ive worked it out i have around £6000 and only being 19 i am absolutely disgusted by this but i basically stuck my head in the sand and decided just try forget about it and this has never worked and basically piled charge up on top of charge for missed…
