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Paypal/ebay
I have been an eBay member using pay pal with my same Bank account for the last six years mostly on small sales up to £30 or so. Due to the financial climate I recently sold 4 rare items on eBay over a 10 day period. I was so pleased, 3 of the items went for a total of around £600, the 4th shocked me beyond belief, it sold…
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Aktiv kapital now past onto ccs collect, help needed
been getting letters from aktiv regarding a debt for a printer i bought in 1994 that i did default on but later paid the full amount so no debt and even if i hadn't paid it it would be statue barred by now. we chose to ignore them because of this but this morning have received a demand for payment from CCs Collect that say…
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Debt Management Plan
Morning everyone I last posted towards the end of last year as was contemplating taking voluntary redundancy as a way of clearing my huge credit card debts. I did put in for it but was turned down. Probably for the best and I realise I'm lucky to have kept my job. I tried not thinking about my situation again but realise…
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Helpful hints and advice?
Hi, I'm Joe, a 23 year old in roughly £5 k of debt, spread over credit cards and store cards, overdrafts, loans, and a debt with my local council, which has utterly destroyed my credit score. I have been struggling with this for a long time, the last couple of years, and it has been really stressful, but I am due to start…
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Judge's Possible Questions -redetermination hearing
Hello there, Please can anyone advise as to the sorts of questions we may be asked in a redetermination hearing which will last approx 10 minutes? Just want to prep my husband so he is ready. Basically he has a CCJ against him by MBNA/Restons. The court ruled last August of the monthly payment he needs to make, all has…
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Lloyds TSB Customer Support Unit
Anyone got/had dealings with them? Are they able to offer consilidation loans to pay off exsisting debts etc? Our local branch recomended that we get in touch with them after they were unable to do anything for us. Any info would be much appreciated:) Thanks in advance
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Feedback
I posted last week to say that I had finally taken the plunge and gone with a self administered dmp. I downloaded the letters from the CCCS website and sent them off. However, I have decided to ring the companies as well to let them know as a courtesy. But being a coward I couldnt cope with ringing them up all at once so I…
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Sherforce/Shergroup
I am having dealing with the above at the moment regarding a outstanding debt. I complained about their actions/handling of the debt i.e. OFT Guidelines etc. I received a letter yesterday dated 1st Feb confirming receipt of tmy complaint , and that between now and their response by the 16th, they would not contact me about…
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Equifax - Should I Register?
OK well I am currently in a Debt Management Plan with CCCS and all my debts are being paid fine. Is it worth registering for a trial with Equifax (can get £5 cashback on fatcheese.co.uk) to have a look at my credit rating or is there really not much point? Thanks
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New DMP
Good Morning forumites! I am going to take the plunge and stop hiding from my debt and start a DMP. I have gone to the CCCS for help and they have said I need to do a self-managed DMP. I am just stuck on where to get the sample letters from. I am probabaly being really thick and looking right past them so sorry if that is…
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*Wot no chat! Daily chat thread 4th Feb
Morning everyone. Where are you all? and what are you all up to....
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Do I have to pay the full amount?
Hello, I owe a big bank £22K (managed loan). It is six months in arrears, although I have been paying it for the last four or five months (so not going more into arrears). It is my only debt, and has about eight years left to run on it. In about a month's time, I will be in a position to pay the whole thing off. A relative…
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how do i get out of this mess?
i will be submitting a
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How can i make him see he has a problem!
Hey Everyone, im having real problems at the moment. Im constantly argueing with partner about money..he spends it willy nilly and its really getting me down! Im on a dmp and maternity leave so ive told him its important that he budgets and he needs to keep both me and baby etc. My dmp only leaves me with £9 a month after…
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Thurs 4th 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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Advice please.....
Just finally finished my SOA (after days of deliberating). I have just shy of £50,000 worth of unsecured debt and can afford £660 a month to the 8 creditors, 4 of whom are BoS. Just sent off for CCCS pack, but am still worried about losing the house, etc. In your experience(s) would my numbers seem acceptable, I hear all…
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£5 for the weekend
Hi everybody, I'm currently thinking about the weekend coming up and how much cash I don't want to spend! Thing is, OH is out on Saturday and that is usually my cue to head to the shops with the girls or go out for lunch. This weekend I don't want to do either. I have £5 in my purse and am determined not to get any more…
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full and final counter offer
hi all, trying to get my head out of sand!.... debt no. 1, here goes... recieved offer from b.o.s to clear old business account that went under. the offer is from £6400 to £3800 to clear account and would like to offer £2000 from family member to clear and test the water with them! just looking for some peeps to have a…
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Help Please!
Heelo I am after a bit of advice as I have got myself in a right state with my creditors, been a bit of an ostrich and buried my head in the sand. I am a wheelchair user and I used to work full time, although due to my disability I have had to reduce my hours. I live with my parents. Like a fool when i was younger I…
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Default (or so i believe) via HSBC...help appreciated :)
Evening all, New to the forum myself. Appears too many years of having my head buried in the sand has ensured I haven't seen this forum until recently! I've been reading through many many posts and the help so many of you are providing is unbelievable. I'm certainly not expecting the world from anyone, but your expertise…
