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Want To Be Free
Hi everyone. First off I'm not a new member, I am a active poster on here but want to keep this issue separate from my other account. I have been with my OH now for over 4 years and still going strong. Before i met him he was with this 'woman' if i have to call her that. She got her claws into him after he had lost his dad…
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Please advise - it's all gone SO wrong
Forumite Lisawaters (real name Mike) started this discussion back in 2010, and thanks to other forumites was helped by DIY SOS. (The original story is below.) Three years on he's written a book. Back to the original post... AS SEEN ON TV! Hi... welcome to this thread. It's a long one, and it has gained a life of its own…
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issues with moorcroft dca
hi my partner has a argos store card and has been paying the debt off but has admittedly missed a couple of the monthly payments. The last one being Jans. Now he has started receiving calls from moorcroft who apparently now have the debt. He wants to pay the debt off and is no way disputing it. They have been ringing him…
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Ccj and jobs
Hypothetical! If you were a Teacher/Doctor/Lawyer and you recvd a CCJ for debts would be able to continue Teaching/Practising?? Thanks
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Worried our debts will take years to clear
Hi, its been a while but you have given us some sound advice over the past few years so here goes. Both me and dh have been paying reduced payments to creditors for some years now and the arangement is working fine. All creditors have accepted our situation. Problem is with changes in our circumstances, loss of jobs and…
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I need all the support I can get right now! - update!
Hi all! I would really appreciate just a few words of encouragement. I am another one of those people who has been keeping their debt from their other half but have come to the conclusion to tell him either later tonight when he gets home from work or tomorrow. I am so ashamed of myself - that I have the debt in the first…
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Advice starting a DMP
Hello everyone, Myself and my husband have spent the last couple of days properly facing up to our finances and have decided we have to go for a DMP. I just wondered if people could offer advice of which organisation they have found really helpful and if it is better to try and deal with creditors yourself or use an…
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Dmp
How do these work and who can do it? X
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DCA terminology
I assume that most, if not all people on this section have received a threatogram from a debt collection agency at one time or another? If so, have you ever noticed some of the crazy terminologies that they use on their threatograms? For example: "Your conduct in this matter is unnacceptable and will not be tolerated"…
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Quick question, answers please
First I apolise if this is in the wrong place! Basically my question is...Im with nationwide and if I get any returned direct debit charges, does nationwide have to contact me before hand?? Thanks in advance
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Advice please
I hope one of you guys will be able to help me with this wee problem I have! I used to have phone/broadband with Tiscali (who I believe have been bought by Talk Talk) and closed my account in 2008 after they were most unhelpful after my account was hacked. Last week, out of the blue, I received a letter from a debt…
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£10,000 Debt - Help Required
Hi, I have had a debt with Natwest for four years now which was passed to their internal DCA (Triton) about three years ago now. I have had various arrangements with Triton with regards to monthly payments, the latest arrangement was for £100.00 per month for 6 months (expired last month) I have received a letter from them…
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Outstanding Services Balance - dealing with Fredrickson Int Ltd
Hi everyone I recently left Tiscali (now TalkTalk) and had an outstanding balance which the main office passed to Fredrickson International Limited. The outstanding balance is £235 which unfortunately I cannot pay in one go. Fredrickson have contacted me a few times, each time ignoring my return letter but now they have…
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Re basic bank accounts
Hi Not sure if I am posting this in the right place.. I had my first telephone appt with CCCVA re an IVA and was advised to change bank accounts again as I changed to Natwest when I entered my DMP, however one of my creditors is Royal Bank Scotland and so I was advised to switch accounts again as they may take money from…
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Advice Welcome!
Hi All, not exactly a new poster this is an ailias as I seem to have too many friends and family joining the forum and would rather people didn't know the full ins and outs of my finances! We have 20k of CC and loans debt. I'm managing to pay and everything it just feels a bit depressing to have it hanging over us. I have…
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Lent starts tomorrow - what is your 40 day challenge?!
Perhaps you started a new challenge on Jan 1 and have lapsed... Perhaps you started a new challenge this month and have lapsed already (never mind!) Perhaps you think pah, a month is easy! Perhaps you have seen the year long challenges on here and thought, but a year? A whole year?! It's too long.... If so, start now and…
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Halifax - debt management plans
I've been on a DMP with a halifax credit card for nearly 12 mnths now - it's working great! No interest and I'm paying what I can afford - around 1%......Does anyone know if the Halifax will let me contine on this DMP if my circumstances have not changed? or will they only offer me 12 mnths of help, then start charging me…
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Testing
Just testing...my previous post on here seems not to have appeared. Bear with me, new on here!!
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Advice please
I have just been counselled by CCCS and sent for my debt remedy - this will take 7yrs to clear. After reading the boards I have become fearful of harrassment from the credit card companies. Am I doing the right thing? I think I am but I am scared:eek: Jillyx
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Positive Experiences??
Hello everyone, new to the forum and have taken the first steps to contact CCCS; should have my pack soon. I've cranked up a massive personal debt over the years, but it's now time to address things and get this sorted. I've read through some of the posts here and it's very scarey!! My best solution through CCCS is a DMP.…
