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IVA Advice
Hi There it is my first time posting and I am hoping for some advice to pass on to a friend of mine who doens't have direct access to the net.. He, just over three years ago, took out an IVA to help him cope with an ever growing mountain of debts and after then he got a mortgage, with his partner and everything was going…
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CCA True Copy?
I recently submitted a cca request to Simply Be, i got into diffs a while back and the balance on the account is £1200. they have sent me a copy of terms and conditions- no signature, they have scribbled my name address and account number in the boxes in the agreement. They say a true copy need not bear a customers…
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Newbie needs some advice
Hi All Newbie needs some advice. I am 30, married with 2 children under 5 and changed career back in 2006 to get qualified as a chartered surveyor and subsequently had to take a significant pay cut from my previous area management job (ie £40k-£20K). Therefore I carried my existing debts over, tried to consolidate them as…
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Just started a DMP with payplan - feel v anxious
Hi all, Hubby and I have finally bitten the bullet and started a DMP. We've been struggling financially for the last ew years, partly due to living beyond our means before we had the children and partly due to having 2 sets of twins. With my elder set of twins in school we were able to afford for me to go back to work and…
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Corporate Card Debt
I have an Amex charge card and when I lost my job I have 12000 pounds of debt on this card! The debt has now gone from Amex to RMA and they are demanding full payment. I have a plan with CCCS and my Amex debt is included in this, however RMA have told me that they do not deal with the CCCS for corporate debts. RMA are…
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Figures over 'phone?
My little problem today is I am needing up to date ballances on all my creditors but am too scared and reluctant to phone them up and ask as I only want written comunication and assume I will get the belittleing treatment if I call them up now and I am not emotionally strong enough for that hassle. So what do I do really…
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harrasment
in response to a previuos post, i owd quickquid 900 pounds i am being called twice a day and 2 e-mails per day, what can i do
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Moving unsecured debt to secured debt
Hi all, I've been advised to post on this board to dissaude me from moving my £13k approx on credit cards to my £75k remaining mortgage - totalling £88k, on a property value of £150k, so just staying within the 60% LTV. The £13k is split between four credit cards, almost equally on 6.9% for life, 6.9% for life, 9.9% for…
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Problems in Paradise...can you help??
Morning all well there are problems in paradise. LL (my OH) went to see his DD eysterday and his X (helpful lady that she is) produced two letters she had been 'looking after'. One is from a fines office/court entitled 'Warning of Seizure of Goods'. This is addressed to LL at her address (he hasn't lived there in 2 years).…
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£1000 in 100 days: 20th July - 27th October 2009
THIS CHALLENGE HAS NOW ENDED Welcome moneysavers and debt free wannabe fans. The object is to attempt to earn an extra £1000 by whatever means possible not associated with your regular income, so it's time to declutter and get selling, car booting, crafting, competitions, free scratchies, free bingo, saving through…
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***Pah its Monday again- Daily Chat***
Morning Yep the school holidays are here, DD up at 6am and there was me hoping for a lie in :rotfl: Ah well work for me until 12 then going to take DD out for a bike ride if the weather stays nice. Blimey Ive got a stiff neck today, must have slept really odd last night, right off to try and get ready for work.
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Monday July 20th - What small DFW things have you done today?
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, when…
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things to do cheaply
Hi I saw a thread earlier and someone stated that they were bored with staying in and not having money to do things. It got me thinking what do people actually do to occupy themselves? I also saw this link on the times website (read papers online rather than buy them)…
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Jacobs Bailiffs coming tomorrow -help needed
I have debts with jacobs bailiffs from council tax and am unsure of how to handle this. This problem has been on going for the best part of 2 years and the debt seems to be getting bigger and i dont know how. They paid me a visit last october demanding £700 before they could set up a payment plan, I managed to pay this…
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Oh My God 3rd Time Lucky
Household Information[/b] Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1950 Partners monthly income after tax....... 3000 Benefits................................ 68 Other…
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Credit Card and Overdraft Questions
Hi all I was wondering if you could help me. Does anyone know what happens if you stop paying a credit card and/or overdraft with a bank you no longer use (i.e. I moved bank accounts to a different one, so no money is going into it). I do want to pay it back but the interest is crippling me and not allowing me to pay any…
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Query about Northampton Court/CCJs
I have a friend who has owed me money for years. I knew she was in bad financial shape and she has been a bit of an ostrich about her debts. I have been really patient but decided to push her regarding the money she owes me (after all I need it as well, it would certainly help my DFW quest). She has been really evasive so…
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Incasso..
We are due incourt for a joint debt of 28k loan , but they are trying to get double the amount loan we actually owe .As they are taking myself and hubby seperately but that is wrong we don't owe them 56k , do we ring the courts to saw the paper work is wrong? . CQ
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Barclaycard - Mercers - Calders - Debt Managers Ltd
Hi again I'm looking for some advice on paying Barclaycard. Initially the debt was with them and i had been paying them the reduced payments. They passed it on to Mercers then Calders Solicitors (i think), they all have been aware of my situation and have my expenditure forms and letters. I have kept paying the reduced…
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SOA Have I done this right?
Household Information[/b] Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1950 Partners monthly income after tax....... 3000 Benefits................................ 68 Other…
