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Halifax spiraling out of control! all other debts are fine..
Hi there If any one can help it would be appreciated.. i've been in debt problems most of my adult life and have had most under control and i was starting to get places with my debts getting them cleared but in December my business went under and i became unemployed, i managed to find another job but only after 8 days then…
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Thurs 25th 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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giving up 1 thing a month challenge
i waste money on silly thing during the year so i was thinking to start off i would give up my biggest expense alcohol then i though why stop there i would try to give up one thing a month challenge or change one thing a month. not sure if there is allready a thread like this but if there isnt does anyone want to join me.…
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Debt collector visiting to collect cash?
Hi there, I could do with some advice. I owe council tax arrears that has been passed on to scott and co (debt collectors). I sent them a installment payment offer back in December, and had not heard anything back. A couple of days ago I got a card through my door, hand delivered from scott and co, asking me to get in…
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is this an acceptable DMP letter ?
Offer of pro rata payment From: Name: Anthony Smith Address: xxx xxxxxxx, xxxxxxxxxxxx, xxxxx, Postcode: xxx xxx Date: 01/03/10 To: Creditors Name: Account/Agreement No: Dear Sir/Madam In an effort to get finances under control, I have sought help from the Consumer Credit Counselling Service (CCCS) who have advised me two…
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Soa
My LBM was at chirstmas when my OH used a cc for food shopping, OH payed for everything bills/food and we spent my wage and OH used cc (obviously) all month. Anyway i have sorted out as much i can (we had 2 maxed cc at 25.9% and savings:( both now paid off) so a massive THANK YOU to you all on here!!!! Just want to get out…
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Next Directory - Reduced Credit Limit to zero
I've been with Next Directory for many years and recently for some reason they suddenly advised me that my credit was reduced from £3K to £0. I don't understand why. My balance was under £500, I always paid on time (I think I may have been late once). Can anyone explain why they would have done this?:)
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bank account arrestment
hi im new here so please forgive if this is in the wrong place or been covered before..... my problem is this.... due to being on benefits for 6 months now i have today sent my application for a low income bancrupcy due to having approx £10,000 of debt (bank loan, credit cards etc.) and no means of paying this.... i have…
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Heard of Churchwood Financial???
Am trying to find out if anyone has heard/used churchwood financial debt managment company......
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Has anyone used debt line org uk??
Am on sick leave at the moment, having been away for almost 6 weeks and went online to pay a bill to see that my employer have only paid £118 into my account this month! Am absolutely panic stricken now, as my mortgage, council tax and other bills will be due out this week and I am already at my overdraft limit. My job…
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Debt Management Plans
I have a few questions about DMP. 1. There appears to be a plethora of them out there-what should I look for? The ones that dont charge? 2. Once I have reached an agreement and all the debt is cleared will my ability to obtain credit be affected after the accounts have been settled. 3. What does a DMP do that I cant do?…
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SB help and advice
Hi Guys, I Have a outstanding debt from Barclaycard from 04 and have been contacted twice a year in writing from various DCA,s the most recently from Ruthbridge firstly addressed to occupier and now addressed to me asking me to contact them. Not sure how much i owe as there is no reference to who i owe and how much on this…
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f+f settlement,no cca's - wording of letter
Hello, I wonder if anyone can help me with this. I wish to make f+f settlement offers to my creditors . I intend to offer 10% of balance. None of my 5 creditors have enforceable cca's (imo). I have been directed to the template letter on the national debt website but am wondering if the wording is correct for me as I do…
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I have'nt a clue where to start!!!!!!!!
Hi every1, over the past 10 years I have accumulated debts. Today I went to my parents house where i found a court letter for unpaid council tax (£1800). I spoke to a friend who told me my best way out of this mess is to declare myself bankrupt as I told them over the past 10 years I have probs amounted around £9000 of…
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Anyone finish their PayPlan Management
Hi! I'm about to join Payplan and I asked a few questions such as if they can guarantee paying off all my debts based on their estimated duration and said that it's only a guideline. So I was wondering if anyone would would like to share their experiences and let me if they finished their plan within the duration they…
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Halifax and DMP expired
Hi I'm into month 7 of my DMP with CCCS and all has gone quite well, my 6 month agreement with Halifax has recently expired and they have put me back onto a standard plan with added interest of 5 times more than my minimum repayment, they have also changed my payment date meaning that CCCS payments will not reach them in…
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Company say we have CCJ but we can't find it!
Very odd, OH received a letter today about a debt for £120 which said he had a CCJ. The letter had gone to our old address but we have redirection in place. We have never received any court paperwork and when we checked on experian it is not there. Very confused. We are currently doing a self managed DMP and prioritising…
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sorry dont know where to post this- didnt pay my mobile bill
I pay each month by calling up and giving my information over the phone. I had a direct debit cause me difficulties once and this is why I have preffered to do this. I am in the midst of a muddle at the moment and confess it slipped my mind, I was over a month overdue and have paid it today. I did recieve a reminder letter…
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Car allowance
Hi Hoping to get some input from someone on this: My husband is going for a job interview that offers a car allowance. Right now he has a company car for the job he is in now - ie, we don't have our own car. Question is, how does a car allowance work? And can it be used to get a lease car instead of buying a car. And if he…
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Forwarding mail
Not sure if this is the right forum, but here goes. I moved into this property about 7/8 months ago, and initially returned mail to sender. From the return addresses, a lot of it seemed to be debt-related. Given the volume of mail coming through addressed to various ex-residents, I stopped doing this after a while and just…
