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Interest only mortgage payments
How easy is it to switch from repayment to interest only mortgage payments? Is it just a case of calling up and asking to do this? Or is it more complicated? :heartpuls CG :heartpuls
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tracing all debts
I've had my head in the sand for a good couple of years, I know I've got defaults and stuff but how do I go about finding out what and who with? I've been binning all the letters. I really dont have a clue who I owe what to but I want to get it all into one place so I can get it sorted out. Where do I start?
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Bit of advice regarding debt owed to CapQuest
Hi, Got a bit of a problem with a debt recovery company....CapQuest! Approx 2/3 years ago I had a Abbey bank account which had a overdraft limit of £100, due to financial difficulties of buying a house etc.. I was unable to pay the overdraft off! I had spoken to Abbey explaining my situation and that i could pay very…
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Can anyone help us?
Hello. Sorry if I've done this wrong - am new here :) I read the post for newbies and have completed my SOA which is here: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 0…
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Happy Birthday to Numpty Monkey
Numpty's having a Birthday today & his life will now begin ... Happy Birthday Numpty :beer::j:D_party_:dance: lula xx
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A parental moral dilemma
A friend who is retired has two grown up children. They are proper grown up in their mid 30's so it is not like he needs to play a great part in their lives and they are not a "close" family to the outsider looking in. I will be vague about details in case any of them are on this site. A few years back, the one hit upon…
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*Totally Thursday 3rd Sept Daily Chat** All welcome
Morning you lot.... Working hard today and then my sister will be making an appearance at some point. She will be bringing her grandson....and then I will get a picture of our two grandsons together....:j Don't get to see my sister much she has cerebal palsy so I either have to go to Devon to see her or someone has to…
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Life on hold...
Good Morning, This is my first proper post on here, I've been lingering for a while but with everything debt related, scared to make the first move! Quick overview of me - Female, 30, good stable upbringing, uni degree, etc. etc. Finished uni worked part time, worked overseas for 7 months, came back, got a job, a car and…
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Thursday 3rd September - 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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I Dont Know where to turn!!
Hi there everyone. I am new to this. I have been having no luck finding help with regards to my spiraling debt. I am about 12 - 13k in debt an i want to be debt free in 2 - 3 years. I need help. I don't know what options are safe IE bankruptcy, IVA. i Have obtained my debt report from Experian and i am beginning to feel…
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Is it wise to claim back credit card charges?
I am in the early stages of trying to clear my very substantial debt. I have had an appointment with a CCCS counsellor and he produced a budget statement for me. Unfortunately, I do not have enough of a surplus to begin a DMP yet, so am only making token payments at the moment. I am trying to get my creditors, mostly…
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I have a question......
Am going ahead with pro-rata payments to my creditors as am not earning enough at the moment to pay normal minimum payments on my loans/credit cards. I currently have loan/credit card protection policies (independent PPIs as recommended by Mr Lewis :money:) they total an outgoing of £38.31 each month and cover death,…
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Father of five who is losing the will to live
Like a number of people on this forum I have been living beyond my means for years. Now facing the reality of running out of credit. My situation as follows: Job - good secure job with monthly income of 2774 Outgoings: have tried paring these to the bone but currently 2900 (including mortgage on fixed rate of 1200 per…
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right direction please?
could someone please point me in the right direction of statue barred templates, cant find it?
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DFW Winter - anyone else looking forward to it?
Am i alone out there? all summer my friends have been out and about and i've not been able to join in much due to my debt free battle but i am soooo looking forward to winter some people find winter depressing but not me I've been thinking about it today and things I love about winter are: * coming home to the smell of my…
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Delete please
Sorry delete please
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abacus debt management ... good or bad idea ???
hi all can u please tell me if i should deal with abacus debt management team ???
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CCA Returned by Cabot and BCW
Dear Forum Fans, I have CCA's 2 old debts I have from old Credit cards, 1 to Cabot Financial, the other to Buchanan Clark + Wells. I followed all the templates on here, sent blank postal orders. This was last week and they have not even had them for 4 days, I have received the following replies: Cabot: Dear xxxx Your…
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Current account debt and charges - help please!
When I was a student I had a normal Lloyds Current account and also opened a Graduate account with them too. Both accounts are in debt (overdraft), never in credit. I am looking to just make them up to zero then be able to close them. I have a direct debit from my new current account at Alliance and Leicester that pays off…
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Seriously in debt and really need help!!
I am currently in debt by £51k including overdrafts, loans and credit cards. It has been building up over the past 18yrs and now I have got myself into such a state I have been off work due to stress for the past 6wks. I am married and my husband doesn't know the state my finances are in and I cannot tell him as he has a…
