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Weekly Spend Challenge W/C 12th 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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Default query
URGENT HELP NEEDED. I recently found a default registered on my credit file which dates april 2006. This was registered by equidebt and I was notified by the coop that a default was to be registered when they transferred an overdraft (dating back to 2004) to this debt collection agency in april 2006. However since august…
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HFC Credit Card - DMP Coming to an end.
Hi everyone, Can anybody help me, I have a DMP which I have just stopped paying through Payplan as all my creditors have now been paid off, except my HFC credit card account. When I begin on my DMP HFC card were the only one's who immediatly accepted, didnt notify experian and marked my credit file as paid in full ever…
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Crimbo crackers countdown
It's time to look ahead to our next challenge and reducing our debts/increasing our savings; as we are running until December 19th - I give to you the Crimbo Crackers Countdown! :xmastree: To honour our traditions and maintain good MSE habits 'Crimbo Crackers Countdown' will follow the same format as our Summer Sizzler and…
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Scared
Hi everyone Just wanted some advice. I have just worked out my finances(something I have been in denial about for a long time) and found out I have £70 a month left after I have paid all my debt and household bills. I feel very scared and ashamed. I have a good job but have became accustomed to a lifestyle I can't clearly…
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f&f letters
this is the letter i got from capital one regarding the f&f i offered them. is this ok to go ahead and send them a cheque? Dear Mrs XXX WITHOUT PREJUDICE Re: Capital One Account No: XXXXXXXXXXXX Total Amount Due: 313 Proposed Settlement: 267 we refer to your recent communication with this office and confirm that our client…
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I am deep in !!!! and so ashamed
I cannot believe it has come to this. I have two children and another due in August, I work 30 hours a week and my partner is a SAHD. My bank's money management team contacted me earlier in the week and after I gave all my details they passed me on to a debt management company, who have advised I take out a trust deed,…
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Income support advice please
I heard some of the girls in work talking about income support, and had no idea what it is, so i googled it. Anyway i was wondering, do you think i would be entitled to it? And should i apply? At the moment my income is £216 per month, rent is £150 and minimum payments on everything usually comes to about £100 a month.…
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Feeling so lonely
Evening all. Sorry if I bring anyone down... But I'm feeling terrible. I've had a blazing row with my Mother who is being unreasonable in my opinion, I still have loads of debt and still can't really face it, I am so lonely I just to cry and I am about to spend yet another saturday night at home... When did ti all go so…
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On dmp cca request ??
Hi please can i have your ideas guys we have been on a dmp with cccs for a year now just about to have our review our biggest creditor is lloyds tsb we owe £10k and pay £94 a month to them but every month they add £12 late charge and £48 interest so getting nowhere fast . we and cccs have repeatedly asked to stop charges…
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Confused! DMP, Bankrupcy or IVA
Hi All I'm sat here now with everything I need to set up a low start DMP with the CCCS which will take over 15 years to clear all debts. Just got an attack of last minute nerves. Maybe we should have just gone for bankrupcy. This was what the CCCS advised initially as our house currently has negative equity but house…
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Credit Card Debt - Help pls ?
I posted this thread a few weeks ago but think it was on the wrong site - so posting again for help pls ? I have credit card debt of about £ 16K due to business problems and although I have 0% balances for the llast year they are conming to an end and due to the O/H being ill or the last nine months now struggling to make…
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Best way to pay CC's
i owe about 3000 on credit cards to 5 different companies. i am in the process of doing a dmp because i was made redundant and got behind on all the payments and all the credit cards are way over there limits. mainly because of charges. 2 days a go i sent letters to all the cc companies requesting statements of charges…
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should i sell my house and rent?
Hi, This is my 1st post, I am a spendaholic, pasted below is my SOA... My initial question is, is it crazy to think of selling my house and renting (for about 800/m) to clear all my debts and start again debt free with a bit of money in the bank... Or shoudl I just accept responsibility for the mess and slowly (and…
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Natwest/Triton problems
Hi. Unfortunately we found ourselves unable to cope with our debt last year and contacted the CCCS who we set up a debt managment plan. All of our creditors acknowledged accept Natwest however they have received regular payments since Novmeber 2008. As they didn't contact us I presumed everything was OK. A couple of months…
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Full and final offer from Lloyds TSB
Hi Im just after a bit of advice and hoping someone can help, my partner has received a letter today from Lloyds TSB offering him a F & F settlement figure of £1700 on a loan of £5500. However they have yet to provide a valid CCA which was requested about 8 months ago. This is the first offer they've made and it seems…
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new
Hi iv been reading for a while and it has motivated me to start pushing myself to try to pay off more each month! At the moment my take home pay is £1080 and i pay back (through payplan) £518 each month. i would have had an extra 200 this month but i had an unexpected vets bill so now iv spent that and had charges put on…
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question re bank applying charges
me and oh went overdrawn for 24 hrs on the cheque acc so we knew we would have to pay charges. in the past we have had letters from the bank to say when they will be applying charges which they havnt sent yet. checked the bank today and they have taked 76 out in charges. was just wondering if they had to send us a letter…
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Debt Management and CCA requests
Hi I've been in debt management for a few years now (slow process), and am looking at CCA requests for my cards. Can anyone tell me if being under debt management implies an acknowledgement that I accept the debts under debt management whether a signed contract exists with the creditor or not? Thanks
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Advice on PPI
I have a query on PPI !! Basically I want to claim back money as I checked my statement to find out I have payment protection which I did not ask for but I cannot find my original loan docs will this cause a problem ?? Annoyed with myself for not checking paperwork and statements properly in the early stages , since being…
