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Trying to Help my dad.
Hello Folks, I was wondering if anybody could offer me any advice. My dad is currently living in a charity provided accommodation (Rent aid) , he is claiming doll money as he is unemployed due to redundancy, he has debts totaling to well over £14k now, he basically has no assets (No car, no savings,). For some reason the…
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20 and need to become debt free
Hi all Really struggleing with debt atm, im young and have always ignored it etc thinking ill earn more and pay it off later. my take home is currently £850 Debts Loan £199 a month for the next 36 months Credit card 1 @ 11.9% £1000 Credit card 2 @ 15.9% £2000 TV etc £27 a month for 36 months Outgoings Phone bill £40 Loan…
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Desire to be Debt Free
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................ 1625 Partners monthly income after tax....... 0…
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MBNA credit limit increase negligence???
I'm currently going through a Debt Management Plan with the CCCS. My other creditors are fine, except MBNA. Solicitors letters, screaming down the phone, adding pure interest to my debt. The list goes on. Today's screaming match from the guy (who I couldn't understand due to his dialect) ended all of a sudden when I…
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Me Vs Abbey and DCA- Time to fight back!
Hi all, Apologies if this is in the wrong section, as it does fall under both bank charges and a debt I owe. A little background information on my debt first before we proceed. The account was a student account, which had an interest free overdraft that was eventually maxed out. I had also changed banks while the account…
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Help - worried!!
Have just posted this on credit cards too but worried if anyone here had any ideas! OH has just taken out a BT credit card to take advantage of the 0% balance transfer rate. We transfered my balance from my Debenhams credit card but it isn't showing up properly. Basically it is showing up on the BT card but the Debenhams…
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Advice needed - starting to address bills!
Hello My partner and I have realised that we need to address our spending habits. We moved house a couple of years ago and did some huge renovations on it but of course costs escalated and we used credit cards and overdraft to finance everything. We are now just about up to max on cards and overdraft and realise this needs…
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Debt help needed
Hi all I really could do with some of your opinions on our situation. My dh and I have debts totalling £30,000. He is employed albeit on a fairly low wage and I am self-employed. For a variety of reasons we have quite a shortfall between our income and outgoings and have been living off credit to cover this. This credit…
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Here I go again...
Two years ago, I think it was, I came on here over £16 000 in debt with a good job, a somewhat reluctant husband and silly spending behaviour. With your help and some worthwhile kicks up the bum, I became debt free. Now I'm back, unemployed, divorced and £12 000 in debt for my troubles. :o Being a avid DFW, I've done my…
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To be debt Free (is this how....????)
My name is Jon and I used to spend far more money than I earn (wow it’s like being at an AA meeting). I am a divorced 39 year old man living in a one bedroom flat for the last 8 years. It is worth £140,000 with £100,000 mortgage. I have worked for the same company for 17 years and I earn £24,500 per year. My problem is…
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Advice needed please - joint debt with EX
Please help if you can I am looking for a bit of advice. My Ex Husband and I had a joint debt – which was from a (kind of) repossession 14 years ago – we handed the keys back before it got taken from us. We divorced 8 years ago and had a clean break agreement. The first we heard about this debt was after the divorce and…
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Sharing Eureka Moments - Time to Face Up!
Good Morning All, Today, I have ended the 'burying my head in the sand' mentality that has plagued me for the last 4 years. I have always had an overdraft and a credit card, but following a new job and a relocation to a city from a small town, I thought I could live a new lifestyle on the same budget. :embarasse Climbing…
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Cheap Weekend Getaways for a debt free wannabe!
Hi all, as some people may know from my other posts I was due to get married next month, however the wedding has been cancelled. Me and OH would like to go away the weekend we were due to get married to try and get things back on track as our relationship itself has been rocky! could anyone suggest anything that is not too…
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**Thursday Chat Thread* 17th Sep **EVENTUALLY!
Morning everyone... Well the lappy has finally given up the ghost so have to phone laptop doctor later to see if he can come and give it the kiss of life.... Bookie...what time you coming over....bring your laptop :rotfl: Good job I still have the pc but it means me sitting in a box....but today is gonna be a study day…
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Thursday 17th 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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HELP and major advice needed.
Hi, We are in need of some morgage advice and struggling to know where to go. We have our main morgage and have two secured loans also, We have had our morgage with bank of scotland since we were 19 but we got a litlle silly and thought we were richer than we were and spent to much, we have always been on relativly small…
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Confusing........Lloyds
Hi folks Just an update for you..although I am a little confused. We have received those letters from Lloyds in regards of "if we do not pay, this will be defaulted etc", but I thought they had already done this before.... as we received these letters about 2 months or so back. I have not actually sent off for a credit…
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debt managent plans can anyone advise
I am in debt of £47,000 and am considering a DMP I know I can contact CCCS but wondered if anyone has one and if they completely stuff your credit worthiness and are they straight forward or is it difficult to sort
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Hello!
Hi everyone, I originally signed up sometime ago, and really got stuck into the whole become debt free thing, however at the same time i was trying to save for my wedding so it was really hard! Unfortunately due to the stress of everything we have now cancelled our wedding which was due to be next month, so i feel i can…
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Full and finals?
I have been with the cccs for 18 months now and my debt has gone from just under 21k to bout 17,000. Wow that still look like a load of money! A lot of the debt is with MBNA about 8k and a further 3ish also. I am a student and have save a small sum saved which I would like to use to pay off the MBNA debt at least. I would…
