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It all starts today!!
Hi all Well here goes, im 25 and a single mum to 3 boys aged 5,3 and 7 months. Long Story cut short lol I got married when i was 19 and then got divorced when i was 22. I got depressed and took out as many credit cards and catalogues as i could!!! I just spent spent and spent until i couldnt spend anymore. i came to my…
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Weekly Spend Challenge W/C 7th Feb 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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I am planning to call CCCS to arrange an appointment
Hey guys, im planning to call CCCS to set up an appointment to discuss my best option. An DMP seems the most likely option for me at the moment. Im really nervous about making the call for some reason. Its just hard to come to terms with facing all the problems ive created for myself. I just wanted to know in this initial…
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Hiya....Newbie here
Hiya Everyone, Have just joined this site and everyone seems so lovely! :j Here's my story so far.... Acquired most of my debt through getting credit cards, extending overdrafts through uni and making a couple of bad decisions along the way.. I bought my flat nearly 18 months ago and thats when it all went abit wrong…
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Keep Cahoot try pay or get balance transfer or loan?
I have a Cahoot card with neary 3 grand on it. Soon I will be getting an accident payout which can pay this off. However it could be six months still for this payout. I already waited a year and half. So should I get a new card to balance transfer or get a loan or wait for this payout? Thanks P.S What are the best loans…
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Newbie here
Hi Folks, I have debts of £15,000. Fortunately most of that is a loan that so far we have been managing to keep up payments on. What I wanted to ask was, around three thousand of the debt is on a couple of catalogues and a couple of credit cards. over the winter we have hit some problems because of the bad weather ie snow…
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SOA, ummm
incHousehold Information[/b] Number of adults in household........... 2 Number of children in household......... 4 +2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 1808.94 This consists of: £892.75 NHS Bursary, £238.40 Child benefit, and £677.79 Child Tax…
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HBOS Debts
Hi, I have three seperate debts with HBOS (Three different accounts, an overdrawn cardcash account, an overdrawn overdraft account and a credit card.) The total for all three of these debts is £1462.44 My questions are these: * What would be the best way about repaying these, as they are in the hands of what seem…
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Hi Im new here & wanting to be debt free!
Hi everyone im new here! I am Nuttylou and I live with my partner & 4 kiddies + 2 that stay once a month at weekends. I am a full time student studying Midwifery and my partner stays home to care for our children whilst I do so. Thought I would introduce myself. Tonight I am doing that fun job of organising my finances. I…
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Barclays causing me hardship?
I posted a while ago about Barclays messing me about but it's not got any better... To cut a long story short I had an agreed overdraft of around £1000, I was using this due to being out of work until they withdrew it and asked for the money back. Which I understand is nothing they aren't allowed to do of course it's their…
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first step finance
Does anybody else here use first step finance? i've been with them for a year now and yesterday they cleared a 4k debt on my next directory account . im very very happy... but how did they do it?? i asked but it sounded too complicated lol.
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girlfriend moving in
I have debt problems, my girlfriend is moving in with me and will pay half the household cost which will help me a great deal. but she has a son who is 16 but still at school and will be going into the 6 form. I'm preparing a statement of affairs to show my creditor how much I can afford to pay them. will my creditors…
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Phoenix Commercial Collections
Hi - this is my first post and I just want to advise about a company called Phoenix Commercial Collections who have recently posted a "Notice Before Removal" - this was after sitting outside watching my house, whilst I was clearly visible to them, waiting for me to leave the premises before posting the Notice. The Notice…
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Old debt has damaged my credit rating. Please help!
Hi Last year, I checked my Equifax credit file and discovered eight years worth of late payments for a Natwest credit card. The amount was for just under £500. I contacted Natwest and advised them that this had been paid off some time ago. i have however been unable to prove this to them as I am not the type of person who…
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Default + satisfied dates??
Hi all, My 1st post - can you please help. Had a DMP a while back. After looking at my Experian Credit file I have a default on a loan, with a Defaulted date of 19/7/2004 and a Satisfied date of 4/9/2005. When will my default drop of my file - 6 years after the defaulted date or satisfied date Thanks Craig
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Any positive outcomes with AIC or is it all that BAD!!!
I have been reading this forum for most of the day. All i have read about AIC is horredous and totally petrifing. Has anybody had any positive dealing with AIC?
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Payplan
HI guys - new to forum and was hoping for some advice. I need to get into a DMP as my other half has lost her job today. I have an appointment with Payplan on Tuesday and would like to know what you guys think of them. Many Thanks - Michael
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Court order for possession- HA property..help pls!!
Hi all, I have been living in my HA home since May 2003. I had some arrears back in 2007 which were around £2500 due to an error in housing benefits. I reduced this debt to £700 and more or less cleared them when I began a full time midwifery degree at uni. Due to another error in housing benefits I was left with arrears…
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Old CCJ - Advise please?
I am in the process of trying to clear my credit file as best I can as my Husband and I would like to get a mortgage sometime in the near future. Everything is in hand, I have three outstanding debts that are nearly paid off, my only worry is that I have a CCJ. This has been on my credit file since March 2006. The creditor…
