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help!! so skint struggling with expenses
hi, i'm new here, i was looking for advice to get out of the rut i'm in but cant find any threads with the same situation i'm in. i work for a company but i'm self employed as a taxi driver and our work load has dropped considerbly in the last year, my earnings after fuel, radio fees and insurance is on average down to £60…
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Graduate wanting to get out of debt! SOA included
Hi All, Finally managed to get myself a full time job on fairly decent wage. However I have been stupid in the past with money and am now looking forward to becoming debt free.(well eventually)! Below is my SOA, I am just looking at advice at the minute to see if I can make any further reductions. Statement of Affairs and…
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cancelling DD
HI ALL NEWBIE HERE ,, INFACT MY 1ST POST anyway i have been off sick from work recently and i,m not entitled to sick pay i have a few direct debits which are due out in the next week or so and i,m not going to have the money in the bank for them i cant afford to get slapped with bank charges as i think that would finish me…
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Lowells - What are they like to deal with?!
Hiya, I've just received two letters from 'Lowell Financial' DCA. They are letting me know, that they have bought 2 debts, which I had with Empire Stores and Littlewoods, of £532 and £536 respectively. Also enclosed, is two letters from Shop Direct, saying the same thing, and letting me know, that I need to address all…
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CCCS DMP terminated
HELP PLEASE. Received a letter this morning from CCCS saying that they have terminated our agreement due to a debt that wasn't included on the plan. I spoke to someone at CCCS about 6 weeks ago about this after the first letter they sent us about it, and as far as i knew it was sorted out then, and was added to the plan.…
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I am in big trouble My first post here i really need help
Right i have big problems now i am 23 years old and between the ages of 18-22 i have made massive debts :( below is debts and income what do i do :( Income: Benefits: £120 per fortnight (£240 per month) Debts: Perfect Payday Loans: £200 Uncle Buck: £280 Pounds till Payday: £200 Toothfairy Finance: £300 Mini Credit: £290…
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Can The Agencys Trace Me?
I moved away from my home 3 years ago....my name is Peter Smith...if I don't link my new address with my old can I be traced back just via my name and DOB...or are there too many Peter Smiths in the UK for this to be viable? Thanks!
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Improving My Credit Rating
Hi all, I'm new the forum, so I am not sure if this is the right place to post this? I'm looking for some advice regarding Credit Ratings. Most of the time when I apply for credit, I am either refused or get the higher interest rate deals (lucky me). I pay all my bills on time every month and have no outstanding accounts.…
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Full and final settlement success with Next Directory anyone?!
Hi all, I've decided to get back in the saddle again after taking major control of my finances last year and then letting things slip since starting my new job in October. Anyway, my outstanding balance with Next Directory is currently £976 and they have been accepting reduced payments of £6.52 per week since Jan 2009…
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Titan Debt Recovery ..what do I do?
Its a long story and its my first post. I bought a company name from company warehouse. The CW rep suggested that I should set up a business account with A&L and that he would phone me back on Monday to guide me through the process. He did not phone me back and as I the company was not trading decided to wait til he did…
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Updated SOA - can it be improved?
Hello everyone, I posted our SOA in January and you lovely folks made some great suggestions which I have implemented, we had a complete overhaul and it means we have paid £5000 of since then. :j I know we are in a reasonably comfortable position and feel lucky that we can make good inroads into the debt but you guys were…
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SOA question
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 810 Partners monthly income after tax....... 600 (me)…
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DFW May Bank Holiday Weekend 1/2/3 May Chat
Morning all! Think I have the office plague. Been saying its hayfever for the last few days but loads of people at work have sore throat/coughing/sneezing/tired kind of thing and I have it too, but if it is the lurgy rather than early hayfever best to get it out of the way now instead of when i go on holiday (which is what…
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Sat 1st/Sun 2nd 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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Making Full & Final Offers: Issues
Hi, Following on from my previous thread, I am on a DMP (currently £46000) with about 10 creditors. Due to an inheritance I will shortly be able to pay them in full. The advice I received on the previous thread was to try to get my creditors to accept lower offers in full & final settlement. I had not considered this…
