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Summoned to court over council tax
OK, first of all I've been an idiot. We got a letter saying we need to pay our council tax, I put it to one side and forgot all about it. We then got another letter saying we have 1 week to pay it or we'll loose the ability to pay in monthly installments, after another week if we still haven't paid it they would send us to…
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Another newbie here :)
I like many, many others have been a watcher of this site but never participated until now.... I first got into debt at 18 through being irresponsible and frankly, greedy. Until 2 years ago I racked up a little over 20k worth of debt. With reading all of your lovely posts and advice I have now managed to clear it down to…
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Paying off Loans
When paying off a loan in full am I better to pay the amount less a months payment so as to avoid a penalty?
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Credit report confusion
Hello, I'm a newbie who is trying to increase/improve my credit rating as I'd either like to get a loan or a low interest until repaid credit card to pay off my £15k of debt. I used Credit Expert a while ago to check what credit I currently have and ensure it was all correct. However, I noticed a few things which I wasn't…
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Credit check - avoiding detection
Hi, I have some loans that I have no intention of paying off. They were incurred over 9 years ago and are fairly substantial for somebody in my financial predicament. The money was loaned to me by a bank shortly after my 18th birthday when I had no idea of money management and I do not see why I should remain trapped in a…
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I just wanted to say.....
A BIG thank you to everyone who has ever given me advice on the forum! I am now officially debt free! After 18 months I did it! I gave up smoking and saved the money away, stopped getting the bus to work and walked and stopped spending money I didnt have on things I didnt need!! I had payday loans coming out of my ****…
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Advice Please any IFA's out there!
Can anyone help? We have unsecured loans of £25k & we are paying £550 per month for these. We are almost at IVA/DM situation but I've had a thought- Part of our mortgage (£48300 out of £156000) is interest only & we set up a 'with profits' fund back in 1997 to pay for this (yeah right). It's worth about £12k if we…
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It's Weeeeeednesday Daily Chat 19th May
Good morning.. how's everyone today? I'm so tired, could hardly get my eyes open this morning. So warm here today :cool: 3 more days left in this job... :eek:
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Confused.com
No this isnt a thread about the popular website, I am just simply confused! Yesterday I had £50 in my account. Day before I had paid council tax which took my balance to £50. My dad paid in £90 this morning but now for some reason my balance is £470!?!? I'm thinking the council tax didnt go through but there was money in…
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June target get rid of Vanquis and littlewoods
Two small debts which charge more in interest than my Barclaycard does. So June will be a live like a hermit month to get rid of them
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Why am I feeling worse not better!!
Hi All, Bit of background info: Had my LBM last thursday and me and my partner completed our SOA and posted it and have received loads of excellent advice from peeps which has been really appreciated. We are in £36k unsecured debt, and are paying a massive whack on a loan each month which is only leaving us enough to pay…
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£15,000 debt just had a baby HELP!!
Hi guys, I am a new mum with debts of around 15 grand from credit cards loans and an overdraft. I currently make mimimum payments on 2 credit cards totalling around £120 per month then I make a payment of £263 on an unsecured loan, my overdraft is £1050. I am now unable to afford all this debt as my monthly income is now…
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Wed 19th May - 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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Bailiffs calling for previous owner after 18 months !
Hi, Hope this is in the right place please feel free to move it if not. Just looking for a bit of advise. We bought or first house in Novemebr 2008 and were really excited to move in. When the estate agent showed us round she said the owners were moving back to the west indies where they were originally from. After a while…
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Telling CC compaines
Hi I have about 25k on 3 CC's, one with Nationwide and 2 with Virgin. I'm struggling to pay and want to speak with them to ask if they can stop the interest and let me pay back at a set rate each month until they are cleared. If I do this is there any danger? can they ask me to settle in full for example? which I obviously…
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BCW Disputing Dispute - What now?
Hi, I could really do with some advice please - my story is long, but I'll try to keep it concise. In early 2009 I received a letter from Buchanan Clark & Wells claiming I owe around £600 for a utility bill from about 4 years ago (Definitely not statute barred yet). I have not heard from the energy company. I'm 80% sure I…
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Pay some debts with endowment policy?
Hiya New poster here so please go easy! Where do I start! The wife & I have recently been through her being made redundant from her job as a graphic designer, couple that with 3 kids, one being preschool & my job being commission based (largely) & motor trade related, things aren't rosy in the garden anymore! We've done…
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macenzie hall again
Evening all i received a letter from the above today chasing a debt for over 4k, this has been going on for over 9 years from different dca's and in all that time not one of them have been able to prove this debt is mine (oh yeah maybe i should have told you from the start this isn't my debt). So what do you reccomend i do…
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New account while on DMP
Hi. Iam now starting up a DMP and need to open a basic bank account to have my tax credits etc paid into. I have terrible credit history. I dont want chip and pin or anything fancy. Just a basic card which allows me to transfer my income over to. Can anyone recommend anyone? thanks. lauren
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Reducing my DMP payment for one month
Hi all, I have been in my DMP since last June and pay £928 per month. My aged car passed it's MOT but it needs about £400 worth of work done on it. Can I ask CCCS about reducing my next payment to allow for it? Will it cause a deluge of letters and calls and my creditors cancelling their agreement to my DMP? I feel very…
