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My first posting - help please
:( hi everyone out there. This is my first posting. I have just sought help from CCCS and am considering an IVA. What does anyone out there really think? I am interested to know what people who are actually in the same place as me have experienced. I'm really scared n upset. Not like me!
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Have you learned your lesson
We have been in debt for a long time, but now owe £1400 on a 0% cc and have more than that in savings, so technically cc debt free. I wont consider us to be debt free though until we have paid it off, 0% runs out in June. The reason for our debt was not managing money properly and overspending (not wildly). We will then…
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Charging Order Information Please
Hi, I wonder if anyone could give me some information on Charging Orders please? Due to 3 mini stokes my husband is currently on the sick and only have my wage and his sick money to live on at present which would be fine if we werent £40,000 in debt with a mortgage. :eek: We have gone to the CAB and they have written to…
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Tsb not sent CCA and say they don't need to and account is still enforceable
wish i had a time machine
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Help Needed TY
Hi Can anyone advise me please. I have had a Creation store card account for around 14 years and due to loss of work etc I have been unable to keep up the payments. The debt has now gone to a solicitors who are to persue a CCJ against me. I have asked for the credit agreement prior to the application court. I wonder…
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I'm been harrassed
I'm not sure if i'm posting in the right section, but here goes. I've fallen into arrears with a catalogue, about 4 months, anyway on Saturday i got a phone call to try and sort things out, within in that phone call i paid £5 and agreed to pay x amount everymonth, starting in march as i don't have the money right now, and…
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Barclaycard - need clarification
I need an explanation if possible. I contacted Barclay card last week to try and make an arragment to pay so much a month and for them to reduce the interest. Cos I couldnt pay the amount we arranged I was told to ring them today with the payment and the arrangement would start today. Just rang them and because the…
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Things are starting to get out of control again
Hi, I started out on this journey of becoming debt free about 4 months ago, after realising that the money I was earning wouldn't cover my expenses for the month, and each month I was borrowing more and more on my credit cards, just to pay off my debts. I went to see the CAB and we came to some agreements with my credit…
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Somewhat scared of debt, please help.
Hello to all that read, I really need advice I have problems with debt and I dont know how to handle them! I contacted money advise in my area, they gave me some forms to fill out which explain my in/outgoings but wouldn't give further advice as I'm not on benefits! I don't know where to turn I'm scared to pick up the…
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Statement of affairs need help
I am up to my neck in it. I borrowed money on credit cards to do up my house. 0% cards seemed like a good idea at the time a cheap way to borrow. Now I can't get anymore 0% cards and I am having to work 12 hours a day, 7 days a week just to keep my head above water. My wife is getting depressed from never having any money…
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Is there a difference.....
between the £2 statutory credit reports and the free online ones?? I am applying for a DRO through the CAB and he has told me to get 3 reports. I paid £2 and printed off the equifax one, the experian one will be posted within 7 working days grrr and I've just gone to call credit and you have to post the form with a…
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Mackenzie have responded!! - Bad News?
hi guys, i'm feeling awful today as mackenzie have responded to my statute barred/complaint letter and this is what they wrote:- I contacted National Debtline and they advised me that mackenzie are telling porkies as they are supposed to state the date of statute barred from the last payment and not the default…
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Time to get ones head out of the SAND
Hi all On April 14th last year i became a father for the first time, pretty unconventional relationship as im 28 and my partners 43 with two sons aged 22 and 18, Before i met my partner i was still living at home no real life to speak of but i was financially sound with around 8k in the bank, although i was still living at…
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unable to make credit card payments help needed
i have a halifax credit card and owe £1,000 ,i am now unable to make the minumum payments each month that they ask for. i am in receipt of disabilty and housing benefit,can anyone advise me on what steps i can take? many thanks in advance.
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Woooohooooo!!!
As you may already know i completed a Personal Training course, which due to getting it on finance was costing me £4500 (£136 per month) However for the past 3 months, i havent been charged, so i called the finance company, and they don't have me on their system, but i have received my certificates, so looks like im clear…
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:) Friday 19th Feb - 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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***Fabulous Friday 19th February Chat***
Morning all Determined to do something constructive today....
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The final Balance Transfer....
Hi, I would like to thank MSE for the information about the MBNA 6.7% for life, fee-free offer (although I personally despise MBNA as a company). It has allowed me to get the last of my CC debt on to a Rate-for-Life basis so I no longer have to keep moving debt about (OK technically the First Direct amount is not Rate For…
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SRJ Debt Recoveries grrr! Help please
Hi I'm hoping someone can help me please. Up until October last year I was paying Moorcroft £10 a month for a debt I ran up with Littlewoods catalogue. Out of the blue I received a letter from SRJ Debt Recoveries demanding money for the same debt. I rang them (mistake now I realise cos they got my phone number & have…
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A hundred wagon loads of thoughts will not pay a single ounce of debt
I am a little surprised to be writing this post, as I've been a regular visitor and reader of MSE for several years now, and always wondered how some people ended up with a lot of debt, thinking that "surely they could see that coming!?". Well- I think I've had my lightbulb moment, a combination of things, ironically it…
