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Point me in the right direction please
HELLO TO YOU ALL I am a newbie with a lot of questions, basically I have been trawling the net now for months as I to have debts and other issues, the trouble is that all sorts of forums are sprouting various ways to deal with situations, trouble is they dont seem consistant with each other. So after much thought I have…
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Finally credit card debt free.It can be done!!
Today I am finally credit card debt free. It hasent quite sunk in to be honest. I have not been credit card debt free for most of my adult life. The two things that have helped me most are the 100 days challanges organised by the lovely Pap & paying the amounts I used to pay to my loans to my credit cards.Oh and PAD's…
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Wed 30th June - 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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Halifax Bank Charges - Can't sleep - HELP!
I have a Halifax bank account which is near it's £1500 overdraft. I am always in the red and have started to be charged the £1 per day charge. I am finding it very difficult to keep paying this charge but I have no means of getting out of the situation so I am looking for some advice. I have a credit card on zero interest…
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DMP with CCCS - SOA
Current SOA Your Income Amount Your take home pay ..........................................£503 (This is a low estimate, as I only started on 8th June, get paid weekly, and my hours aren't sorted as to what will be regular, it's roughly 18-20 hours per wee, and I get paid fortnightly) Your partner's take home pay…
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debt company threats
i made a payment arrangement with a debt company and have never missed a payment but they are now hounding me to increase my payments which i done 6 months ago and are threatening if i dont they will force me to sell my home. i can not afford to increase my payments does anyone know what my legal rights are as i am scared…
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A Friends Small Debt, Getting Bigger...
New to the forum. I've signed up on behalf of a friend who has a bit of debt. It could be a lot worse but i want to stop it before it ends up a bigger problem. Here's whats owing out from what i can gather after a short chat on the phone... Littlewoods catalogue - £190...Currently paying off ~£30 a month. Very catalogue -…
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you couldnt make it up.!!
used to contract for a well known ISP ... as part of the contract dialup/adsl was gratis. all setup within the ISP .. only my name/phone number being "real". all paid internally on their systems. when the contract ended, so did the adsl/dialup accounts. 4 years later on .. fredrick international write to me telling me i…
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getting on top of my debts
I hope someone can help please, im not new to mse but not a regular poster so please be gentle!! I am really struggling in a sea of debts and looking through all my finances to try and get ahead a little. I had a unfair bank charges claim going on with rbs, they offered me £700 last year as a gesture of goodwill, though i…
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Help / Advice Needed
Hi My name is Chris, i have been on a debt management programme for 4 years now with a company named Chiltern. Well as i said 4 years now and i am paying the same amount back each months and just paying off my debt. My one creditor (bank overdraft) send me letters every 6 months and the other one for a credit card with the…
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Advice needed - very confused!!
hi everyone, i'll start by introduing myself: My name is Daniel and i'm 24 years old, to some my debt problem may seem small but to me its enough to really start getting me down... i owe around £2500 over 2 credit cards, £1800 on an overdraft and i have £200 remaining on a personal loan which is due to be paid off in full…
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Would love some advice!
Hey everyone, I'm just new to this as I have a question I really cannot come up with an answer for. Basically as a student I was reckless with money and did the very juvenile thing of borrowing loads for my "champagne lifestyle" (mother's words, not mine!) and not thinking about the consequences. It is only now as I'm…
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Asked for a redetermination hearing
Hia can anybody help me please....Started to struggle financially just over 4 years ago on Mat leave and lower income and then hubbies ill health. Had several loans and overdraft and Natwest advised us to take out a loan for 17000 to consolidate our loans. Things went from bad to worse hubbies hours at work reduced and…
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Dmp payments to creditors
just been on my justabank site with payplan i was wondering if anyone knows why my payment to creditors does not go out same date each month last month went out 21st this month 29th ,just curious dont want a late payment charge
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What a pickle - SOA for DMP, please advise
Hi Everyone, I have been intouch with a debt charity and went through my income and expenditure. In the areas I was unsure about the advisor told me that there were guidelines on amounts that could be applied. So, I let the advisor take the lead in these areas. The lady even said that there would be an allowance for…
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Pay Day Loans
I have read a few stories about Wonga here emptying bank accounts if you have not paid them back. I have a Wonga, PayDay UK and Lendingstream pay day loans that I am unlikely to be able to pay as it is coming in at more than I am earning and although I could probably keep extending for a couple more months I am not going…
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Template letter for previous occupier's debts
Hi, I've had a search but couldn't find anything suitable. Is there a good template letter for when you're receiving lots of post about a previous tenant's debts? I have just been returning things to sender but getting a bit fed up of it now. I think its bona-fide, enforceable, non-statute-barred debts, but just not…
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Aktiv Kapital
My Husband received a letter from Aktiv Capital about 2 months ago saying he owes them money (about £850) but if he rings to sort it he can pay them only £560!! Looking at the letter closely it is something to do with GE Capital, now bearing in mind we have heard NOTHING from anybody since we moved into our house in Nov…
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I'm new! And Overdrafts
Hi all, After browsing on here for a little while I thought I'd pluck up the courage and post! :) I seem to overspend each month and each month my overdraft gets bigger and bigger and now my bank is charging me £1 a day which usually works out at around £28 a month. I managed to clear it once before by using some money I…
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JULY Make £10 A Day Challenge ~*~All Welcome~*~
Hello to all newbies & regulars and welcome to another £10 a day challenge. :hello: This challenge first started in September 2007, so this will be the 34th Month this challenge has been going. So thanks Batgirl for starting it and JesaRose, MizMir, Aureol and sweetpeas, who also keep the thread going. :j I know this first…