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My Dad died
I have been paying paying creditors through CCCS since April last year and was a regular lurker here - put up my SOA etc and got some very good advice (hence going to CCCS). My last post here was about HSBC closing my bank account with two days notice and I was advised to go to Co-Op Bank to open an account, which I did…
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Wanting to clear debt but moneys tied up!!
Hi everyone I'm wanting to clear some of my debts, but my money is now tied up due to some stupidity... Basically, a a few months ago, I booked a holiday for me and my OH to Japan for this October. I wasn't really aware of what my hidden debts were, and got it into my head that it would be a nice break to celebrate his…
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You know you're a debt free wannabe when...
1. You get excited for payday, not because you can buy new treats, but because you get to pay more off and update your signiture. 2. The most used programe on your windows start menu is Excel. 3. You go out for a meal for your birthday, and it feels strange not coming home to write a report afterwards. 4. You've told all…
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CCJ now paid- how do i get it shown as settled?
I payed off a CCJ back in December last year, but it is still showing over £5k outstanding on my credit report. Any advice on the best way to get this showing as satisfied? Thanks
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Debt Compaines
Hi guys, Any one dealt with Debt Advisory Line. How do these people stack up againist CCCS? Also I was surprised to hear that they said IVA is better than DMP, but to me the IVA looks very serious and put more things at risk?
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I want to make August a NO Spend month
Our finances are in a real pickle. DH hasn't worked for months and as he is self employed we don't get any extra benefits. I have spent too much on home improvements etc. lately and want to try to have a month where I don't spend on anything except absolute necessities. Absolute necessities will be the usual Direct Debit…
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Advice from anyone with DMP PLEASSSSE
Hi there, Please can anyone advise me. We are in a lot of debt and I have had a phone interview with CCCS who say we can start a DMP which we can afford to do. I would like to know if others think it is a good idea because we will only be paying 300 a month off a 60,000 debt. They say some companies may not freeze or lower…
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Bank Question
My DH is hopeless with his money - he is currently on a Debt Arrangement Scheme (DAS). He has a reasonable wage, and I work too - his big problem, he constantly sticks his head in the sand and lets the debts roll up. We don't have a joint bank account, never have had, the only thing we have thats joint is our mortgage. I'm…
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Question of the Week: Ads offering to let you sell your debts
Q. I've seen adverts offering to let you sell your debts. Is it worth it? A. [FONT="]No! There's a growth in companies offering to let you sell your debts to them where you pay a fee of around 10%. They say they'll sell it to a third party which will then argue it doesn't have to pay them. Yet you CAN'T sell debts…
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In debt and dont know what to do?
I am a young father trying to cope with three children on my own, my wife left me for another man two years ago. My three children are still very young so I have only been able to get a part time job because I still want to be there for my children and not for them to be looked after by strangers. When she left we were in…
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Final Demand from Lewis Debt Recovery
We've received a final demand from Lewis Debt Recovery on behalf of CL Finance LTD. This is a HSBC Loan. We've CCA-ed CL Finance and had very little response. They have removed the charges which appeared by magic on one CL Finance statement. What now? :confused: It's threatening a CCJ or bailiff
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Student Loans Company
Hi all, I have just spoken to the SLC to be told they are dropping their interest rates to -0.5%, which basically means you would be better deffering if at all possible as in effect they would be paying you. They actually suggested I do this. Must add my student loan is pre 1998 start so the old style but I guess its worth…
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Please help - Statute Barred Debt
Several years ago I had a Barclays current account, which I stopped using and requested be closed. However, it appears I was *just* in my overdraft when I made this request so they didn't close the account. At the same time, I moved, and forgot all about it. They've been sending letters and adding interest ever since, and…
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Call centres
Please dont anyone take this as a racist comment and i'm sure others have had excellent service but i am fed up with foreign call centres, I constantly have to escalate my call in order to get a satisfactory response. Can anyone tell me which banks have british call centres and service is reasonable because after 15 years…
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Friday 10th 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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***TFI Friday - Daily Chat***
Morning! Another early start for me today, Natasha thinks 5am is getting up time, little monkey. What's everyone up to today? xxx
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please help me im really scared
Hi, I always read here but have never posted. Am really quite scared. I deal with all the finances in my house, im 22 and so is my boyfriend, we have a 2 and a half year old son. My boyfriend gets really stressed with money ect, and i used to be so good at sorting it out and budgeting until we split last year and i spent…
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SOA....Any advice greatly accepted!
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.................... 1 Monthly Income Details Monthly income after tax................ 1800 Partners monthly income after tax....... 0…
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Mortgage arrears
I have a mortgage with GE Money. A few months back I missed a payment and agreed to pay the arrears back at £100 a month which I have kept to and I'm now halfway through the outstanding amount leaving £300 left to pay. They have now sent me a letter advising that further action may be taken if I dont pay back the total…
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Fredrickson International Limited
Hi Anyone here had any dealings with this lot? Ive received a letter regarding any outstanding Payday Loan which I'm currently paying through Payplan. Are they likely to accept Payplan's monthly offer or am I set for months of phone calls and obnoxious letters. Any advice is welcome. Thanks
