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help!
Hi where do i start? i am 25 years of age and have up until christmas last year always been careful with my money and hardly in debt. now i owe approx £16000 and i dont know where to turn. I would be able to pay off my loans over the next 3 years but am in my overdraft and this is going to make everything very diffiuclt…
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Struggling with IVA payments
Hi all, looking for advice on the best way forward! I took out an IVA in October 2007 and the original payment was set at £370 per month. This was reduced on my application to £330. This year, from April, I have had to reduce my payments to £255. The reasons for this are mainly linked to the costs of childcare. I am a…
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Creditor refusing reduced payments unless I go through CCCS
Hi all, I've searched and searched DFW as I am sure I have read the answer to this ages ago. What has happened is that HBOS Visa have sent me a very nice letter which INFERS (doesn't blatantly state), that in order for reduced payments to be negotiated I need to contact either CCCS or Payplan. I took advice from CCCS…
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Losing hope with Egg
This is my first post so please be gentle with me.:o I fell ill about 4 years ago and became unable to work - my partner was also forced togive up his job to care for me. Debts started to build up so about 18 months later when I started to improve my partner started his own business based at home so he could still be…
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CCJs and Experian
I have been in the process of working through all three of my credit reports with a fine tooth comb in order to improve my credit and have recently found an unsatisfied CCJ against me which is showing on my Equifax report. After contacting the court I have found out that the CCJ was issued in 2004 in relation to £300 worth…
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food bargains
if any of you have a somefield close to you - i believe they are closing the branches today - so will there be a bargains or sell of that could be frozen???
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Well last night my "light bulb" went on be gentle with me
[tt]Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1010 Partners monthly income after tax....... 416…
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CCJ but still no CCA
I have just received court papers for a debt that I still haven't received a CCA for. I requested the CCA months ago. What should I put on my defence form? It seems that MBNA have sold on my debt without supplying me with my CCA. Advice please.
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Snowball calculator gone???
I cannot access the snowball calculator at www.whatsthecost.com today. It looks as though it has disappeared, although I was using it fine yesterday. Has anyone had any luck getting on to the site today? Or alternatively, any idea where/why it has gone :confused:
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Wednesday 29th 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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*Wicked Wednesday Daily Chat - 29th July*
Hello all Wow, this is the first time I've ever been up early enough to start the thread!
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trouble paying rent
My problems started this summer when I naively thought that I could easily supplement my SAAS payment of £200 a month, bringing my income up to £500 a month, by extending my hours and getting a second job. I now owe 2 months rent to my landlord to be paid when I move out next month. I've already got 2 student overdrafts,…
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Life Insurance Cancelled Due To Missed Payments.
Hello, Newbie here. My first post so lets hope it works out. I am self employed and occasionally (more so these days) have cash flow problems. Some of the people I work for keep me waiting 2-3 months before paying me. I spin a lot of plates and work until 3-4am to complete my paperwork. In the past 6, months I have had the…
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Credit Card Debt and the CCCS
Hello I currently have around £11,000 of credit card debt and recently became temporarily unemployed. I was advised to contact the CCCS by one of my credit card companies, so I went on line and did a budget which I printed up and sent off to each company with a letter based on the template letter with my budget plan..…
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A Survey A Day - October challenge
Just had a thought. There are lots of Survey websites out there and some require us logging in daily and checking if surveys need doing cos the survey site doesnt send out emails (one poll, pureprofile, surveyhead to name three). For August October, pick one Survey website and then every day in August October, make a point…
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Trying to fix my credit file, but MacKenzie Hall keep screwing it up!!!
Cutting a long story short... Was contacted recently (6 months ago) about a statute barred debt to HSBC (Was statute barred 3 years ago). Sent them a letter, and that (I thought) was that. They then sold account to 1st Credit, who contacted me about the same thing. Sent them another letter and they said it would be dealt…
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You should check this out.
Hopefully will be made a "Sticky". Some very good information regarding Debt Collection Agencies. http://www.channel4.com/programmes/dispatches/4od#2929731 Nick Smith
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Provident Personal credit
Hi all, this is my first post and not sure if it is in the right place. We have received 2 letters from Provident Personal credit stating that we owe £274.40 and £332.14 for a GUS home shopping account that was previously dealt with by Wescot. We first received a letter from Wescot at least five years ago notifying that…
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Defective Agreement Claim on personal loan - help!
Hello all I'm new here, and hope I'm posting in the right section. Was hoping for some advice, suggestions, words of comfort! Anything really as I'm feeling pretty desperate. In Nov 2008 I began a 'Defective Agreement Claim' to see if my personal loan was unenforceable. It was accepted on the basis that my bank no longer…
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If you missed Dispatches DEBT COLLECTION
http://www.channel4.com/programmes/dispatches/4od#2929731 worth a watch for us all in debt. k.
