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The Debt will be all gone next week
I get paid on Friday and I'm going to pay off the last of the debt. There won't be any money left over but it feels like a great relief. I have waited for this moment for years. I can't actually remember when we were not in debt. We still have the mortgage of course but that's it. Life is not entirely without worry. I am…
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SOA Second Post!
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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Joint account and credit score?
I have recently moved in with my partner and as we are sharing bills etc. we opened a joint account. I heard the other day that now our credit scores will be combined, is this true? I am a newly graduated doctor and in student loan, graduate loan and overdrafts have around £30,000 debt. I have never defaulted on payments…
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Can we really turn things around?
Hi Everyone, Ok, deep breath , here goes. I have finally decided to get sorted financially. Both my partner and myself earn really decent money but we have such a lot of debt to finance that the time has come to get organised. Does this site really help? I am about to fill in a SOA which I will post later but I am pretty…
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Where is the Chrimbo Cracker Challenge thread?
I joined a Chrimbo Cracker Challenge thread and thought I had subscribed to it. However, its not in my user cp nor can I find it when I search Chrimbo or Cracker. Can anyone point me in the right direction? Thank you.
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F&F question
Hi, wondered if anyone could give me some advice. We have been on our DMP now for 2 months, all going ok, a couple have accepted, LLoyds & Egg still havent & lloyds are charging me a fortune in un planned overddraft fees, but hopefully we will get there! anyway, my husband may have the opportunity to earn some extra money…
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Old current account haunting me
I'm new here as a poster, I have read a lot of threads in the past but am a noob to submitting. In 2002 I got in a lot of financial trouble, I fell behind with my mortgage, loans and credit cards. I had almost everything with Nationwide and they froxe my bank account in December 2002 when my credit card defaulted. I ended…
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bank charges - abbey. can they freeze / stop them ?
i recently changed bank accounts to HSBC from Abbey as i am trying to reclaim bank charges from Abbey i still have an overdraft on my current accout which has exceeded its limit so i am getting bank charges every month. i have been unemployed for a while but am now in paid work but it is less money than previousl. i have…
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Barclaycard Loan PPI/Harrasment
I'm having trouble with Barclaycard Loans and need some advice. Basically I have 1 year left of my loan agrement and have had to set up a DMP with CCCS. Barclaycard have received my offer of repayment from CCCS as well as my token payment to cover me until my 1st DMP payment on 25th July, yet they still call me daily even…
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Aiming to be debt free... but bored!
I'm fairly new here, and have been reading and getting some good advice from these forums recently. I'm trying to get my debts down as much as possible and i'd ideally like to be 'debt free' (other than my mortgage) by the end of 2010, however i have a few 'expensive' months coming up (House Insurance, Car Tax, Car…
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Weekly Spend Challenge W/C 19th July
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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Soa for DMP - your thoughts?
I am going to approach cccs/payplan this week to apply for a dmp. The following soa does not list my debts, just my income and outgoings without current debt payments in order to see how much surplus I have for a dmp. Obviously I want the dmp accepted but want to make sure payplan will not view any of the figures as…
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Advice needed - worried sick
Hi All. Bit of background information. Me, my long term partner and son aged two, started renting a house in Feb. Everything was going fine until April, when i stopped gettings working tax credits, due to too much income. My partner gets around £1010 a month, and i get £161 a week. The drop in working tax credits ment we…
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another Newbie joins the flock...part II
Good morning. Here is my story, I will keep it brief. I have accumulated the equivalent of £25,000 of debt. I have reached saturation point. Feel physically sick and mentally drained as look at these. Here is my SOA My Income £2280 Partners income £nil Benefits £172 Mortgage £895.41 (interest only) 18 years left on…
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Help!!
Hi all New to this having watched you all discussing some very appealing techniques for depleting debt over the last few months. Finally decided enough was enough and I had to do the same. I need to clear my debt off once and for all - and to stop adding to it!! Quick sum up - havent done an 'SOA' as my payments each month…
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Bank loan or credit card
Hi i have a £20,000 bank loan with 8.3% interest rate and am paying it off over ten years. I am wondering if I would be better transferring the debt to a lower interest rate credit card. I went for the bank option as it seemed secure as am bit wary of credit cards. Any advice appreciated Thanks artofliving:rotfl:
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Need help over an old debt
Hi Guys, I'm new to this Forum; so I'm hoping that I'm doing everything right... Basically 4 years ago I had an account with Littlewoods Catalouge; when I seperated from my partner and moved out of the house, I contacted Littlewoods to inform them that I had moved and gave them a temporary address that I was staying at...…
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Found a small hard lump, has this ever happened to anyone?
HI, Just wondering if any1 would have any advice........ About a month ago i was unwell with like "flu" had it 4 about 3 weeks before going to doc who prescribed antibiotics but i felt sooooo rough was in bed for a few days, i dont do that - i try to keep going but just couldnt& it has left me feeling extremely tired…
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Need help as DMP company ditched me
Have maintained a DMP for about 4 years. I am on disability benefit. When I originally commenced DMP I was also receiving DLA; I had an operation and discontinued that. When the company concerned did my annual assessment they said it was not viable for me to afford the payments. Very true; it was difficult. What do I do…
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Debt collectors being inaccurate on experian?
Hi all, aopoligies if this is the wrong board but unsure of where to post. 3 months ago I decided to get my act together and try to sort out my debts. I have made payments to all debt collectors (including my CCJ), for 3 months, all on time. However, 1 debt agency has not bothered to update my file. What has annoyed me…
