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Desperately seeking help 30K Plus
As a working man with a young family I have always without question kept to my responsibilities and provided. I have been in my line of work for 10 years now within the Satellite industry and my partner of 14 years and had worked until recently in the Corporate Banking sector, in the last 6 years it has been like working…
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Trying to get out of debt...
first if im in the wrong place im sorry ...........im trying to sort out my money and way to let myself build myself out my overdraft but i was thinking of maybe looking in to getting one of those o2 pre paid card things you know the ones you load but then someone said i might as well just open a new bank account now im…
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Consolidation Loans
Hi all, Wondering if anyone can help or advise. I have about £15k worth of debt through a loan and credit cards. My loan does not end until Feb 2012 and who knows when you can finish paying off credit cards... My issue is this.. is it worth getting a £15k loan to wipe out all these debts? My aim is to pay this off in 3…
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My first time
Hi folks This is my very first time here and I do not know how to start, but here goes my money problems began when I became ill :cry: at the end of last year and I am afraid with one thing and another I lost track of my fianaces and I am now have money problems and do not which way to turn. I have managed to keep my main…
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Debt-free Wannabe needs general advice
After several years of burying my head in the sand I have finally taken stock of our debts which are over £13,000. We have repaid over £2500 but have incurred charges/penalties of about £2000. One such debt with additional charges is with CapQuest. The original Skycard debt was about £3200, of which I have paid back £1700…
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Arrangement to Pay-How long does it stay on file for?
Hello all. Last year, after four years, I managed to pay my debts off. This was via a debt management company, Gregory Pennington. One of the debts was with Capital One. It was subject to a repayment of £5 a month. This was finalised last August (2008.) I checked my Experian file yesterday and saw "Arrangement to Pay"…
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Past tenant on electoral roll in error, how does that affect me?
I have just had a letter from the local authority asking me to verify the electoral roll details for the property. It shows the previous resident as still being here. This is despite me registering when I moved in to the property and saying I was the only resident. I can also verify that as it shows me having a postal…
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Connaught Collections CCA
Hi there, I've been a long time reader/lurker but i'm interested in some advice from someone in the know, I requested a CCA from Connaught Collections UK LTD using the template posted elsewhere on the site, this is the response. Dear Sir, Re: 1st credit Ltd - Halifax outstanding Debt - £ I refer to the above stated matter…
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Debitas/Capital One Telephone Numbers
We have recently been getting a lot of phone calls from Debitas (despite the fact my OH is up to date with his payments!!:mad:) they have ignored both our verbal and written requests to stop calling and contact him in writing only, so we decided enough was enough and set up BT's Choose to Refuse to bar the calls. When we…
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Advice Please
Hi I’ve been looking at this site for some time now but this is my first post. I was hoping you good people could give me some advice I am desperately trying to become debt free I’ve managed to put £3500 on credits and haven’t really got anything to show for it (very silly I know). I am also £1000 into my over draft, I…
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please can someone help me
Hi I've stumbled across this forum/website and had a good read and have realised there's some good sound knowledge and people taking time out to help others to put it bluntly I need some help or advice Im seriously stuck and I don't know what to do If I have posted this thread in the wrong section please feel free to move…
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CCCS Budget, I'll have some advice if there's any going please..... haha
Hi, I am about to start a DMP with CCCS in October and need to send all of my paperwork back by mid september. Afterworking my budget over the phone, and them sending me the info my circumstances have slightly changed. I had £487 a month which was going to go to creditors. Since then we have lost our babysitter and my…
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***Daily Chat Thread - Wednesday 2 September
Ey up gang :D Doesn't anyone do one of these any more ?? or am I just out of touch ;) ??
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Wednesday 2/9/09 - 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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Wow...
I only just discovered this place the other day and already it's become invaluable! I had listened to Martin on the Radio a few times before and always took notice of what he had to say, but this site is truly amazing. I have spent hours just reading through the post; absorbing advice like a sponge. My wife and I are in a…
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responsibility for husbands debts?
hi, i'm sure this has been asked before so please feel free to re-direct me if needed! my long term partner has just asked me to marry him, i have said yes but am just a bit concerned about his financial position. we have been together for 10 years, have 2 children and a joint mortgage. i am resonably good with money but…
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Getting my debt sorted..
To cut a long story short.. 4 years ago i lost my job and ended up struggling to keep my head above water, around the same time Spectrum were advertising on the radio etc, i ended up joining them and paying the fee etc - at the time i wasn't as wise to everything as i am now and thought i was doing the right thing....…
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LLoyds TSB Not Responding
I have a loan and overdraft o/s with Lloyds since which equates to about £24k, and was on a DMP with a company that I paid a fee for (stupid I know but I was desperate at the time) after managing all my other debts except the Lloyds ones they walked away saying they couldn't help me anymore. I dispute the amount of money…
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Should I let sleeping dogs lie?
I would really like some advice about a default problem. Before I went to uni I was working for three years, and had a Marbles credit card. When I started my course I couldn’t afford to pay it every month so after speaking to the Citizen Advice bureau I entered into an agreement where they froze the interest and I paid £5…
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improving credit rating
I'm sorry if there is a sticky thread already there but couldn't find - feel free to point me in the right direction! I am in about 2 and a half grand debt - it doesn't seem like much but its made me sick with worry - some of the has been with debt collections agencies and some is on my small limit vanquiz crefit card. I…
