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Debt Correct
I had a call last night from a company called debt correct, who say they can negotiate with my creditors to stop them charging interest on my Loan and Credit card. If i sign up, we come to a base repayment that I can afford from which they will take 15% as service payment. I'm keen to reduce my repayments and speed up the…
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Haven't posted in a while but ....
I now have £5,000 in the bank, no credit cards, no loans apart from my mortgage (£70,000), and saving £600-£700 per month on average. How did I do it? I transferred my expensive CC balances to 0%, then took out a short term secured loan, then remortgaged on a tracker and paid off the secured loan (no huge exit clauses, I…
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Letter from HSBC today!!!! wording???
Letter says 'We confirm we are prepared to accept £700 in settlement of this acount. A bank giro credit slip is printed blah blah blah.... You must ensure this payment reaches us as follows :- £700 by the 28/09/09 Failure to make this agreed payment may result in the offer of settlement being withdrawn.' This is from DG…
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What has been your best offer on Full Settlement % amount on Debt ???
Hello all, what is best Full Settlement % amount that any of you have been offered on a Debt between £8000 to £12000 ?? Have any of you ever been offered better than 50% ?? Say for instance have you ever been offered the chance to pay 25% or 30% of the amount & have the debt fully settled/cleared by doing so?? Cheers :beer:
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Need advice please!
Im new to the site but im hoping someone can help me im at my wits end!..i hope im poting in the right place! I seperated from my husband in feb and moved in with a new partner.we registered straight away with council tax and we were put on the electoral roll a few weeks later.My husband stayed in the marital home until it…
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1st Credit have got some nerve!Shoudl I send statute barred letter?
In the post today I received 2 letters, one from CitifFinancial, informing me that as of March 2004 my debt with them had been reassigned to 1st Credit. I have been fielding letters from 1st Credit for years! The 2nd was from 1st Credit offering me a 30% full and final. This is for a debt they have never been able to…
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Birthdya Present Idea
Any ideas for a birthday present for my friend, I have been racking my brain - she is really hard to buy for and normally I would just go and buy something like expensive hand cream but really trying to be good with my money.
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new house and struggling
Hi all Please dont all condem me i know we have been stupid and now i dont know what to do a few years ago my fil gave us our first home worth 150k outright we wer lucky as a young couple morg free I decided i wanted to move as the house never felt like "mine" so we brought a new build iwth a small morg 40k We then didnt…
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Please cheer me up !!!
Not sure this is in the right place but at least it feels good to be sharing this. Maybe no magic solutions but would really appreciate some advice so that I can at least see a chink of light at the end of the tunnel. Personal circumstances are married with three kids, all at secondary school. Own house worth c.£250,000…
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BIG Trouble - sick and elderly in-laws - SERIOUS debt!
It came to light last night that my in-laws owe £50,000 on credit cards and have various overdrafts to pay off too! Imagine the shock and dare I say disgust! My husbands parents are 70+ and are of the generation where they bury their heads under the sand. Unfortunately, my father-in-law was taken quite poorly 2 years ago…
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Help to get me out of 'bad' credit hole!
Hope this is posted in the right place, apologies if not! I need some advice on how to get me out of a bad credit hole. I have debts of £4,600 and originally started with £8,000 - I originally started to pay these through a debt management company (wrong I know!) and realised that as my partner was contributing to paying…
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Wot !! No Daily ???? ****Daily Chat Thread Wed 23rd Sep****
Ey Up gang :D Hope today (half-past week ;) ) finds you al well :)
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Wed 23rd Sept - 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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At my wits end
Hello everyone and thanks for being patient, I am new to this so hope I have put this on the correct board. I am currently in the early stages of a Debt Management Plan, they are going to try for a Trust Deed, my problem is the Royal Bank of Scotland. The company that are dealing with our debt are currently paying money…
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Court papers for a CCJ
I have been with CCCS for 2 years now and all the companies which i have debt with have been accepting my payments. Today i had court papers sent to me from Northampton County Court advising me that Natwest had filed to have a CCJ made against me. Natwest have never once sent me anything in the last two years to say that…
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Secured loan
Does anyone else have a secured loan with First Plus. They keep putting up the interest even if the rate does not change. Does anyone know if anything can be done about it or do i have to just pay it because it is secured. Getting into debt was stupid but taking out the loan was even worse. I should have started my DMP…
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OMG it really is that bad!
think i need to explain a few things!!! I have a joint mortgage with my mum she lives in the Granny flat we had built on the back of the bungalow. so my figures do look strange. Basically i pay the morg,tv licence broadband and she pays ctax, gas and elec, and pet and household insurance!! and food. Basically all was well…
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Help credit card intrest is killing me :-(
Hello all I am going through a divorce at the moment and due to a complete change of circumstance (lost my job) When I was married I had a credit card which was under my name but used for every day family things. Now that I am unemployed and raising kids I am also left with £6000 on 2 credit cards with the same bank. I am…
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Want to be debt free but can only just afford basic repayments?
I'm sure this is a story many people have on this board. my DF and I have managed to accumulate a lot of debt over the past 2 years or so, im actually ashamed at the amount and whilst some of it was needed as such, the majority was from being greedy and not working our finances through before taking them on. The situation…
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List of things to do for free or on a budget!
Hi, since debt busting I have tried to think of cheap or even better free things to do! Thought a thread offering suggestions would be a good idea, so i'll start :D * Hosting a party such as Ann Summers, Body Shop or Virgin Vie - these parties are free to have at your home and fun, just ask everyone to bring a bottle. Also…
