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How can I keep the wolves from the door?
Hello, I am at the end of my tether now with finances. Every day I have final demands through the door, threats of bailliffs, banks and credit card companies ringing up every 5 minutes. It has got so stressful that I've stopped answering the phone and opening the letters. I've got a constant headache worrying about whether…
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Help
Hi I've not posted before on a forum so apologies if I get this wrong or if I've posted in the wrong place. I need some advice on how to move forward as I am overdrawn by £3500. My limit is £4020 (with a £500 buffer but this incurs daily charges and is by agreement only) I am trying to reduce my outgoings as much as…
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I have just over £8000 in the bank and ...
Well i have a lot of debt too get rid of, i came of benefits and moved in with a partner and having twins one of which is disabled i did rack up a lot of debt how would you use this money i have its back dated carers allowance from 4 years ago £2000 Overdraft (costing me £30 a month) £590 Provendent (£80 per month) £1900…
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I want to fast forward!!!!
As much as I am so grateful for this forum, I feel like ever since I've subscribed and actually admitted my financial situation, I feel so low. When I'm at work I cant concentrate and constantly logging onto my bank account and credit card account every now and then just to see if anything has changed (although I know it…
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Mortgage / Loan help!
Hi, I looking for some help and advice, I’ve been looking over and over again at the figure work and I think I’ve probably looked too much and the answer I need is looking me right in the face! I have a outstanding mortgage of £140k – this was over a 30 year period (fixed at 6.69% for 2 years) but I’m now on a variable…
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Who just texted me?...
I checked my credit rating with credit expert this morning. About one hour later i received a text message from a number asking me if i *have poor credit, struggling with debt, need help getting on your feet* and to call this number.. 01228 508252. Anyone know what this is please and is this due to credit expert giving my…
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Talk Talk - potential they have blackened my credit file in error - what to do ?
When I moved into my property a year ago, I attempted to get Talk Talk to transfer the line to me. Well, the short story is that they screwed around for months and then I told them to stuff it and got agreement to just cancel everything from their online people. Roll forward to last week and I get a debt collection agency…
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The time has come to sort out my mess !
Hi folks, Been reading through the forums for a few weeks / months on and off and am so impressed with the level of support offered :o , hopefully i'll be able to benefit from it in the coming months / years / decades ..... Just waiting for my first call from PayPlan to try and sort out the £44k that my partner & i have…
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Capquest hounding me for a debt that is not mine !
Hello I am new to the board and am writing from real frustration with a debt agency called Capquest. I have been written to by them numerous times as they allege I owe money to Thames Water. I phoned them and queried the debt and they said it was for four months in 2009 for a property that I no longer lived in or owned. I…
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My SOA Can someone please take a look, thanks
Ok, so this is my SOA. In my house there is me, my partner, and two children 5 and under. Thanks for looking and any comments would be great. INCOME; £800 p/month Partners Wages £648 p/month Working and Child Tax Credits £132.80 p/month Child Benefit We also get £120 a month housing benefit, but we only get £60 because…
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Morning Its Wednesday again!!
:wave: Morning All!! Hope everybody`s good today, i got woken up by my furry alarm clock again so am sat havin a cuppa watching Lorraine. Lots to do again but not sure if it`ll get done, really need to move my arris Got to take the dog out then go to Morrisons to do my shoppin then to work, catch you all later. Off out for…
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Realistic F&F
My DH owes NR mega - its all part of a DAS at the moment, but he's interested in knowing what would be a realistic F&F - thing is I'm not sure which figure to use to calculate any settlement. OH borrowed £25,000 in April 2007 over 10yrs and PPI was added in (£12734.00 we are currently going through the motions about…
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Wed 5th 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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Help!
I am 21 years old and living with my parents, and already my credit rating, well, stinks. I foolishly took out a credit card in June last year to help with holiday payments (which my parents advised me against, so they don't know i have this card), then lost my job before i could pay the balance. As a result, i still owe…
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MSE Story - New 0% Card
For those that missed the MSE Story and have a decent enough rating to still get 0% deals. http://www.moneysavingexpert.com/news/cards/2010/05/clydesdale-and-yorkshire-banks-launch-top-0-balance-transfer-credit-card This adds to the current top Virgin and Tesco deals -…
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Help Me Get Out Of Debt - Advice Please
Please Give Me Some Advice On What To Do Wilth All The Money I Owe Out To The Creditors Listed Below, I Was Ok Spending The Money But Now I Need To Get Rid Of Them And Be Debt Free I Am Not Paying Anything Back At The Moment And They Have All Gone Into Default CREDIT ACCOUNT MANAGEMENT - £332.00 NATIONWIDE BUILDING SOCIETY…
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Debt Letter
Hi Guys I have got a letter today from Robinson Way LTD who advise they are acting on behalf of there client and been instructed to collect a debt. They advise in the letter I need to make full payment, as it would be silly not to, also they seam to like the word demand.... Anyway the letter they have sent does NOT advise…
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Interst only mortgage
I have an interest only mortgage, weve managed to pay off a few debts but still have more outstanding, is it worth staying on this for a year or so to clear the debts or change back to a repayment mortgage?
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Skipped payments repercussion schedule.
I need to clamp right down on all my outgoings for 4 months before an anticipated windfall digs me out of my current financial squeeze. Given current direct debits to: Credit cards. Power utilities. Water Rates. Mobile phone company. How is each of the above likely to respond after 1, 2 and 3 months of missed payments? At…
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Help with outgoings.
Hi! I am new to this site, and looking for LOTS of advice!! I am currently pregnant, and looking at our bills and income etc to try and look how we can save some money! We are always skint which gets me and my husband down alot! So any advice would be fab! Ok so I don't work - not through lack of trying trust me, I was job…
