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Advice on the final few months...what would you do?
Hey all! It certainly has been a while since I have posted my own thread on here! However I'm a regular reader througout the DFW board. I just would like a little advice if anyone has any words of wisdom to share... So here is the situation....I have been working on getting my debts down from around 12k since Nov 07.…
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Some advice please
I am hopeing one of you guys could help me shed some light on an issue i am facing. I have a debt with HSBC totaling 19k. This debt was inicially two debts, one being a personal loan and the other a company account debt. Both were consolidated into one personal loan back in 1999 by HSBC. A little over a year ago i was…
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the battle goes on...
Well..it's been another few turbulent months is all I can say. Alot's happened. First the bad.. 1) I again let down my guard and had a small(ish) lapse into online gambling again **sigh**. Back on board now though, the only slight silver lining is I caught myself quickly and actually didn't lose money. 2) My car went pop…
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just some advice please..
my sister move to another part of the country 18 months ago to get away from an abusive ex partner. She received a letter today from Lowells saying someone has given them her new address and asking her to pay 2 phones bills from 3 mobile a total of £1200. My sister did have 1 mobile contract and her ex had the other, as he…
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Letter from Lloyds/SCM help needed
I recieved a letter today from SCM solicitors apparently acting on behalf of Lloyds, regarding my loan I have with them. I now know that SCM Solicitors are actually part of Lloyds TSB. They have stated that if I don't repay 15K within 10 days they may start legal procedings. I have just started a new job but my hours vary…
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had no idea about my debt! facing up to it as from today!
well today after lurking on the boards I decided to fill out the SOA that I have been looking at for sometime. I guessed I was in around £30k of debt but its nearer £50k!!!!!!!! completely shocked but at the same time think I knew it deep down. no more spending and wasting money. I am going to face up to it. I have £1000…
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Just got a copy of my credit report.......
Slightly more information seems to appear on it than I thought. I was under the impression that it gave basic details of what credit cards you have and your status over the last 36 months+(?), but apparently not. i.e. (made-up details) HSBC Bank - Card Services..........Credit Card Status History 00000000000 In the last 36…
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Help !
I am sure this house is jinxed :eek:, my washing machine is only 16 months old its a Hotpoint machine purchased from Currys, it only comes with 1 year warrently so phoned Hotpoint they said they could come out and the charge would be £99 including labour and parts if he fixes it then fine if he can't then no money back the…
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Overdraft Lloyds TSB help please
Hi folks Being with CCCS, we pay ourselves direct to all the lloyds tsb creditors, so that we can pay for the mortgage, arrears especially, but anyway, we have not used the lloyds account for a few months now, since we opened as recommended a basic account elsewhere, so moved all the essential to that one, but of course…
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I think I've been conned! Help?
I am in quite a bit of debt. The same as almost every one in the world these days and I thought it was time to get myself sorted and start paying off some of these debts. I was given a number from a close friend for a Company at the time called "The Debt Angels" and gave them a ring to discuss my problem. They sent a…
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Scottish Power keep phoning
Can anyone help? OH is being chased by debt collectors for money owed to Scottish Power. OH left property in mid Feb and is being chased for readings up to end of April. They phoned him and told him he owed £200 for this period so he gave our new address as we'd moved twice for work. The letters started arriving saying the…
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Being chased for old debt
Hi. I'm not sure if this is the right place to post this I received a letter today from Credit Resource Solutions Ltd stating that they had taken over the debt from Lowell and may take me to court if not paid in 7 days. The debt is for Capital One dating back to beginning of 2002. As I hae not had any contact with either…
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Please help me escape payday loans!
Hi all, I'm hoping someone one can help me sort out my problem. I have a BAD credit rating from being foolish for a few years. I have a managed loan with my bank of £2500 and a credit card with a limit of £250 which i pay off in full each month. However i am missing payments here and there because i am stuck in a vicious…
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What is the point?
Hi all, well that was not a good start for , I'd just spent an age typing out a lengthy post only to find my loggin had timed out when I went to post eeerrrggghhh.... Anyway, I'll try again but it probably won't be as long, having realised something has to change a few days ago I have been browsing and seeking info and…
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Help as cant pay off credit cards
Hi all, Hope you are well. We have been speaking to the CCCS, and have given in all our income and outgoings. We have been struggling for months and after sitting down and going through it all, we cant afford to eat. So we spoke to CCCS, and are waiting for them to call us back on 17th of Sept. They advised us to contact…
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Debt Free!!
Hi all, I am more of a lurker than a poster on here but I have been using the site for about 4 years. I have taken on board all of the good advice dished out and with a LOT of financial help from my wonderful husband and a bit of cash back from mis sold PPI I have finally just paid off my last loan!!! I am so so so…
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Newbie
Hello, I am very new to this thread. My Darling wife and I are trying to get enough to buy a house, and I know we need to make savings. We have a car loan that is due to finish Jan 09 and we pay £354 a month. We don't budget at the moment but live month to month, sometimes running out of money and scrapping by. We both…
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Financial suicide
Hi all, First can I just say how happy I am to find this site, I dont feel quite so alone now and have already picked up some great tips: recipes, slow cooker, breadmaker.... Anyway, here is my sorry tale. I had been on a DMP with cccs which was going well. However, i became pegnant with my second child (now 5 months old).…
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Credit file disassociation - help?
Hi there, I wonder if anyone could point me in the right direction, I seperated from my daughters father in February this year. He has alot of debt and I'm concerned about this damaging my credit file as we lived together for 5 years and did have a joint account previously. I believe I can get him taken off my file does…
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Some help for a friend please.
Hi Guys, This is quite complicated so bear with me. My friend bought a TV, a washer and a tv stand from brighthouse (bad idea I know) with her ex. Said ex took all 3 when they split up and moved out. Only thing is they were all 'bought' in her name. now she has not been able to afford to pay and at a bit of a loss as to…
