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We feel like we are getting somewhere at last
Back in May 2008 my wife had an accident at work and has been off on sick leave until Feb 2010 when the company she worked for for 16 years finished her up due to her inability to return to work meaning our two decent salaries were reduced to one - 6 months following the May accident her sick pay also ran out. We had…
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Have been a absolute div - please help
Now I am absolutley aware what a prize div I have been. I have buried my head in the sand to an extent and now need some help and advice please. I owe £1400 to Egg card. I fell behind and they sent it to a DCA. I sent them a few letters to set up a payment plan and they werent very helpful, saying they needed £400 up…
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Help With A CCJ
Hi i had a CCJ on the 23rd of April, I have acknowledged the service, admitted the amount owed and sent the form with an offer of monthly payments back to the debt recovery company. This was two weeks ago, and I am yet to hear anything? how long does this take? Will they write to me saying if they accept my monthly payment…
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Need help- Lowell
Hi All, I wonder if anyone can help me with this-apologies if it's long. In 2004 I took out a mobile contract with O2. I remember there being some kind of problem with it- I was quoted the wrong tarrif price or something along those lines. I went through a complaints procedure and then paid an amount to settle the account.…
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Sherrif Officers Wrongly Appointed?
Hi, Am writing this to see if anyone knows how to help my friend who has found themselves in a bit of a strange situation. They received a letter from their bank saying their savings account had an arrestment on it. He had no idea why and found out that it had been placed on by Sheriff officers on behalf of a council (they…
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Was close to clearing my debt but interest ruined it :(
I paid off in full a £500 bank reserve account (like an overdraft but they charge you £88-£120 per month!!!! all I can say is I had no other choice but to use it), got my credit card account from £200 to £30, my catalogue account down to £60 but lost my job and was unable to pay my bills for over two months. My bank added…
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I want to be a better man
It's taken me a long time to even register to this site, I've read a good 30+ threads so far and have felt very emotional by some of the stories people have shared. I think the reason I have not registered is that I am very ashamed that I have put myself and my family in this position in the first place. Its very hard for…
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debt debt debt
Debt is causing me havoc. I have over £10,000 and really do not know where to start or what to do. I feel im not having a life because all extra money SHOULD ahem... go on my debts. Where do I start!!!
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Dilemma relating to paying off debts
Hi all Hope this thread is OK for this section, it does relate to my debts in a way and you lot give the best advice! I have a dilemma and don't know what to do, I will try to be brief. I live with my long term boyfriend in a flat which I struggle to pay my share of rent and bills, due to lowish income (will be rising in…
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Want to settle aged debts - any advice?
Hello, I have some considerable aged debt (just under 10 years) It is mixed, personal loan, credit card and bank overdraft. So far only two creditors have contacted / pursued payments - they are the two largest sums - 11K and 5k respectively. I just did a Equifax report and as all the debt is past six years it isn't…
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Conned by Dodgy Builders?
Following on from LisaWaters thread on how Mike (username LisaWaters) was conned by a builder and how much he has had to learn along the way. I thought it would be nice to make a little guide like this one here with some hints and tips to stop other people being ripped off. See here:…
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My budget plan
Not sure where to post so hope I got this right. Im so worried and need help, iv just done that my budget plan on budgetbrain.com and we are spending £369 over what we earn in a month :( . I dont no what to do and im in desperate need of some advice please?? We have 1 loan to pay off and a number of debts including a…
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Help -feel so alone
Hello - i am new to this forum, and am hoping someone can help me make some sense of things. Mortgage £129k Unsecured debts £110K - i know - i am afraid we got into a spiral of paying the credits cards with the credit cards - i feel so hopeless both working fulltime and earning £36k between us. Terrified of losing my home…
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where to begin....
Hey guys im forever reading comments on here but dont really post on here but now i feel i need to change my life around and start seeing some of my hard earned money!! I supposedly look after all the money but find it hard to say no to hubby as want him to have the things he wants and make him happy! we had totally…
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CCJ Advice - Please help!
Good afternoon everyone, I was hoping that someone on here may be able to advise what I can or can't do regarding my current situation. I've also posted this in the "Water" section of the forum, but after reading some other posts on there, realise it might get more of a response here. The story: I moved out of address "A"…
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Was so close, now I'm just miffed!
Hey all. Today I have been looking through a book that I used to keep a regular record of my account totals and how I was doing with my debt. I found a page that I used to fill in with the date and the current total. I saw how much it was rolling down by each month, quite a chunk! It's like another LBM. I knew my total had…
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NDR agreement advice
found the answer online please ignorexx
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Student Loans
Hi, just wondered if anyone had any information about how studnet loans worked & interest & payback rates. I took my loan out in 2002 when I started uni & took about £1600 out per year for 3 years. I never read any of the t&cs, etc. I was 18 and silly and didn't care about the consquences. I wish I'd taken my parents…
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£15000 lloyds tsb dedt
i'm struggling with making payments, i have no job now apart from Care allowance, they are asking for £300 every month and £226 of this is interest. today is the first time i could not pay the full amount so i went and paid £100 and now i'm worried. it was originally £5000 but they kept raising it over years without me…
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Confused??
Hi all, I'm new here but have been in debt since I was 17, I am now 23. I have been paying off debt of about £2000 by £25 a month instalments. They did call me and said they could cut the debt down to about £600 if I paid it all off now (this was last year) but as I am constantly in my overdraft anyway there was no chance…
