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Very new and have n't got a clue!!
Hello to you all, I am new to this site, and it has taken me all this time pluck up the courage and get my head out of the sand. I have a constant over draft of £1500, I have a credit card of £2100, my husband has a credit card of about £400.00. I am paying out to a gym of £17.00 per month, I have tried to cancel it but…
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Catalogue charges
Hi, would somebody mind pointing me to the thread where reclaiming catalogue/club book charges is. I read it some weeks ago and cannot seem to find it now. Thanks
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Help with eversheds
Thanks in advance and I shall try to keep this short. These debts go back about 8/9 years, went into an IVA which failed after 2 years because of the high amount set at the start. Wasnt made bankrupt but had to deal with DCAs myself which was a hassle but at least I was taking the bull by thr horns myself so to speak. I…
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Kids off for 7 weeks what debt free things have you planned
Well as the title say what debt free ideas have you for the summer holidays and if you have some small treats allocated what are they as well. park................ermmmmm:D regards Moneybuster
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Section 13 local government finance act ??
Hi Does any one know any details on the above act and section. Has any one ever used this, or tried to use it. I care for someone who is disabled (he was not disabled when this debt originated), and this is for a council tax debt that has just popped up to bite us on the backside. Nationaldebtline told me about it, but im…
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Sick to the back teeth of debt
I'm finally getting round to sorting my debts out. Im 25 and getting married in 2 weeks. I would like to start clearing my debt so that i can live better and have less stress. I went through my finances yesterday and started my diary. i want to get things moving but not sure where to start. i was planning to card tart my…
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ball is rolling........
Done it! 1st step to get out of the mess I am…. I have done my DMP sent everything to CCCS, waiting for CCS to contact my creditors and also notified all my creditors. I know it is going to be difficult situation. I have had already RMS on behalf of MBNA trying to make me pay as much as possible (they even suggested to get…
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Debt Management - Kensington Finance
When my daughter completed her degree she had racked up some debts and overdrafts compounded again when she couldn't get a midwifery job immediately as nobody within commuting distance was recruiting at that time. She did work at a pub/restaurant but this didn't pay megabucks so she paid what she could. When things got too…
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Facing my debts
Good afternoon all For some reason today was the day I woke up and am facing up to my debts. They are not massive, but big enough to make a negative impact on my life. So... debt by debt.. Sky Credit Card. I owe them £1060.29. I made a £20 payment over the phone this morning and they have agreed that I can pay £10 a month…
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Getting A Bank To Stop Charging Interest
Hello I recieved a depressing letter in the post in the form of a loan statement. It showed that even though I pay them £160 a month they charge £80 per month just for having the loan. On top of this I also pay the bank £50 per month for account fee and overdraft interest. While I am at the moment not over my agreed…
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Credit Rating help (smaller debts, but hopefully someone can help)
Hope this is the right place to ask! I currently have a credit card with NatWest with a £700 limit, of which I am currently using about £450. My payment record on this card for the past 12 months or so has been fine, apart from last month when I inadvertently missed a payment. This resulted in a ‘1’ status being placed on…
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Clear Payday Loan
Hi, I have quite a few payday loans where the interest has been frozen, I am paying these back monthly, I recieved a letter from one of these companies saying they would be prepared to accept a reduced offer to clear the loan, I currently pay £40 per month towards a dept of £580. What sort of offer should I make them to…
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Tax Credit Nightmare
I am having a nightmare with tax credits about my childcare allowance. previously they have overpaid me by supposedly £4K even though I have notified them everytime I have had a payrise or my childcare has changed. For the last 18 months my husband has worked nights so that he could look after our children rather than…
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DWP - 14 year old debt, 1st contact
I have just received a letter from the Dept of Work and pensions saying I owe £262. The letter states that they previously wrote to me but didn't receive a reponse. I have never received a letter regarding this. I have rung them and they claim this is for a Social Fund loan from 1995. I was on income support doe a short…
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Can Littlewoods force me to go to a Debt Management Company?
I seem to have reached a bit of a 'stand off' while dealing with Littlewoods and don't know what to do next. I am paying them £6 a month, as I am with my other nine creditors. They keep telling me the offer is too low, so they can't accept it. Then they say that I should contact a Debt Management Company, so that they can…
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No CCA Produced in 9 months
Hey Does anyone have any idea where i stand with this please? My car was on HP and they tried to repossess it (after some dispute over when my bubble payment was due, i contacted them to extend the credit agreement at the end of my loan and they suddenly decided I should have paid up a year earlier! and started getting…
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Finding out details of old debts!
I am a married Mum of one, with a reasonably paid job. 10 years ago when I met my husband I was in serious debt problems and about to have my house repossessed, on the day of the repossession the person had come in to clear the house said to me, I would just run away from your debts, which I did. I lived with my husband…
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*Daily Chat Thread Fly Thursday 16th July**
Morning Bookie Hope you have a good holiday and enjoy the next 16 hours of reading, watching films sipping wine and doing nothing........ Come back refreshed ready for the next round.....:grouphug: Spud - get that list done....:rotfl:
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Thursday 16th July - 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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determinedtodothis ~ 1 year on
Well i feel like a time to reflect as in 2 weeks I will have been debt busting for a whole year - it has gone so quick so much has happend, i've claimed lots back lost a job gained a job started winning a race and at the moment ending up loosing it!! But you guys offer no end of support and inspiration, when i need…
