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Debt is spiraling out of control
Hi all I'M new to the boards, i've popped in a few times to try and sort out my debts but it's just not working :( I now need need need to get it sorted. Its got to the point where i have become so depressed about it i've even come close to ending everything just to try to escape (not helping by the fact i have postnatal…
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Got to get to grips with this! (First timer)
Hello, We're in a mess but trying to sort stuff out, I'm working my way round this site and it's fantastic but I'm feeling a bit overwhelmed with what options we have/don't have and what would be best route. We had our "lightbulb moment" recently and we need to find a way forward. I'm kicking myself for getting into this…
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New here - embarking towards debt-free living!
This forum is great, and I've stumbled across it at just the right time.My partner and I had a long chat back in March 09.Our eureka moment came one night in desperation. We've lived on a wing and a prayer financially for years.We were sick of lurching from one month to the next paying huge overdraft charges and wondering…
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What do I do now???
My husband has just been made redundant which has cut our monthly income as he was earning nearly £1200 per month. We were already in arrears with our mortgage, secured loan and gas/electric over the last few months so we wrote to all of our unsecured creditors making token payments of £1.00 per month. We are now getting…
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CCA request/Warrant of execution????
Hi all, Need some urgent help here!! got a letter from DC regarding a debt that has caught up with me, I sent a copy of the first CCA letter with the £1 PO on 30th June and today I have had a letter from the county court saying I ust pay by 21st July(!!!!) or they are sending a bailiff around. Eeek!! please help Thanks in…
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It starts here...
Hi. Firstly heres my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1050 Partners monthly income after…
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IVA and home
We have over 60,000 debt with around £600 a month left to use for reppayments. (could probably do £700 at a push) We have been told we could do an IVA (from cccs) but when reading the agreements it says we may have to remortgage OR SELL our house later in the plan. I am happy to remortgage but really dont think the bank…
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help keep me motivated with my debts
Hi Guys, I'm totally new to this thread and realised i really need the support of some other people in the same position to motivate me. I know I have quite a bit of spare money at end of the month but it seems to go....I normally withdraw £100 per week to cover expenses such as petrol and going out/presents etc which is…
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Clearing credit card debit by agreement
Many apologies if this has been covered in another thread, will happily go there if someone can point me in the right direction. My wife and I have credit card debts of £30k, and cannot see away forward to repay them as cannot re-mortgage or get loan. I know there are various schemes you can join to help clear debt, who…
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help please
I posted last year regarding a cap one card that the debt was sold to Lowells now on them taking the debt on we asked for a cca no reposnse for ages so sent the second letter which they sent what they said was a cca, when I posted here it turns out it wasnt'. so I rewrote to them telling I was not making any payment until…
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The giving up/cutting down alcohol support thread! Part 4
Again, the previous thread was getting very very big, so we have a new thread again. :) That great first post by In Search Of Me is below. The previous thread (part 3) is HERE. Part 2 is HERE and the original starting thread is HERE.
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jesus we are in a mess help!
incomings my income - 0 partners income - 700 child benefit - 132.00 Child tax - 416.00 working tax - 301.00 total : 1549.00 outgoings rent - 400 council tax - 110*estimates as moving house elec -40*estimates as moving house gas -40*estimates as moving house water - 40*estimates as moving house mobile contract (business) -…
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have BB time saver account which is changing to abbey
Hi All, I was hoping to get some advise I have an timesaver account with cash card which Bradford and bingley which they want to change to a abbey account. I am in a debt management plan with Pay Plan and worried about off setting does any one know what other banks are in this group? All my other debts are cards including…
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Advice on SOA please.
Hello! I've been a member for a while, but haven't made much progress, so thought I'd think out loud with some DFW help. We don't save for car tax, christmas etc. so it's clear why we're in the red. :rolleyes: Two years ago we payed off credit cards with a loan from the Bank of Mum, and we've agreed to pay it back when we…
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Robinson Way Statute Barred Debt?
Hi, I'm new to this but have been reading avidly over the past few months. I got a letter a while ago from Robinson Way demanding payment for an old credit card debt from many years ago at an old address. I sent them the statute barred letter and got this one back today: "Further to your recent communication we do not…
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credit report
hi all after the year of realisation in 2004, I have just ordered another credit report for the damning news of my credit past lol. I am now debt free (23k and big yay!). next year being 2010, I am expecting all those c/cards with late payments against them and a voluntary termination (car hp ) to drop off. my questions…
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ways to keep my chin up
I do ebay and sell stuff so that can can buy my kids clothes in bigger sizes so im in advance. Im actually just starting a DMP and dont have much leway so can any of u give me ways to get cash(even if small) so it takes my mind off the debts. eg what links is there on here? I think i seen a few that egg each other on to…
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Can my bank disclose a change of address to a debt recovery firm?
My best friend who claims to know about these things (but I don't believe him..why I'm asking you guys!) says that when you change correspondence address with your bank somehow this alerts any creditors anywhere as to your whereabouts, i.e home address! Is this true? I lived in a flat with him a couple of years ago and we…
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GE Capital/Paypal card wont accept DMP
ahhhhhhhhhhhhhhhhhhhhhhhhhhhhhh. Im having a nervous breakdown, as it feels liek im taking 1 step 4ward and 2 back. I joined this forum ages ago but never actually wrote much . So lately ive been on alot and decoded to start a dmp with cccs . I found most of my info from here so was happy to get the ball rolling. WELLLLLLL…
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Christians Against Poverty
I have been working with CAP for about 6 months now and wanted to know if anyone out there knew if they were all above board and not some set up charity to make others rich while us in-debted people get farther into debt? Cheers Dean
