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Help please- moving abroad but have £2.5k overdraft with interest building!
I need to move to South Africa for 6-12 months in October but have two overdrafts: Barclays (£1250) and HSBC (£1450). Current rates of interest are approx 17% on each. I will not be working while in SA and naturally do not want to come back to a mega debt due to the interest building up. I have approximately £1000 I can…
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Debt Releif Order: Allowed Household Expenditure
Hi All Whilst searching the Forum the other day, I think I came across a link that showed the "Allowed Household Expenditure" for the purposes of a Debt Relief Order. As I had to go out, I thought I had saved the link to look at later, but it seems that I did not do it properly and now I can't find the link Can anyone…
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Unable to make contractual Credit Card Payments
Hi..... My main income is from nursing agency work and recently there has been little available for me. This has left me unable to make my monthly contractual payments on my credit cards and other things. I have now received letters from a couple asking for the monthly payments and advising me of fees added for over-credit…
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so many debts where to start.....
Hi All, ok I have been looking at my situation and what to do. Here are my details I am currently almost 35k in debt this includes the following: £18,000 Mortgage £11,000 Secured Debt (was on old flat) £5,500 Credit Card Debt £650 Overdraft Debt I was about three years ago in a grave financial position I moved out of my 1…
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Where do I stand - Can I get my default removed?
Morning All, Hopefully this is the correct forum for this query. Back last September I applied for a course and OUSBA paid my fees. I then decided not to take the course and wrote a letter to the Open Uni advising this (stupidly I didn't send it recorded). Didn't hear anything else till a few months later I started to get…
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How to sort this flaming debt out! GRRR
Hi there everyone, Ok, so this has been hanging over my head for FAR too long and despite looking for ways out of it, im only a little better off :) ANY help would be so appreciated, thanks in advance. Ill try and be breif. Nationwide loan - Loan term finished, now paying £100, on reduced payment plan, at 7% interest to…
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Oh!! If that was not a wake up call, nothing will be!!
my four year old is playing with her toy phone, she made it ring, then turned to me and said "Oh I'm not answering that Mummy, it will be someone asking for money!!!!!!!!" :o :o:o:o:o:o:o:o:o:o:o
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Tue 27th July - 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,…
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Terrific Tuesday 27th July Daily Chat - Everyone Welcome!
Morning everyone! :hello: It's nice and sunny here, how is it with you? (There are clouds looming though....) Think I'm going to walk to work this morning, save some money and it's good for me :) What has everyone got planned today? Anything exciting? It's my money withdrawing day today and I still have £15 left over -…
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Allocation Questionnaire received - what next?
Hello all, I am in the process of defendinga CCJ based on the fact that the creditor has not fully complied under the CCA1974 (no statement of account was sent, no T&C's received either). Since filing the defence I have received an allocation questionnaire from the Court to be returned by 2 August. From what I can gather,…
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Vodafone Probs
I have just had a bill from Vodaphone for 34 pounds. I do not use all my 500 mins and texts - so that's point one. BUT I used to have a deal where I paid about £18 a month but that has gone. Don't Vodaphone legally have to inform me if a deal changes? Shouldn't they have sent me a letter if they were removing the deal. I…
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Silly me
Hello, I foolishly decided it would be a good idea to get a car on finance for my now ex-girlfriend. The log book and car is all in her name however the finance is in mine and the direct debit comes out of my account every month. At the moment she is paying each month by standing order direct into my account, but i have…
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Weekly Spend Challenge W/C 25th July 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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need advice
hi, i have been on a debt repayment plan for around 3 years. when i started this a card i had with american express was passed on to a company called rma resolve with whome i have been repaying. however this week i checked my credit report and the original debt with american express has been put as a default and classed as…
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RePossession Hearing Tomorrow....**UPDATE and advice required**
...not expecting much to be honest. I have some issues over the way in which the Mortgage company has refused to help me in any way shape or form even though i contacted them at an early stage...... They have told some slight untruths in their evidence statements......they claim that i did not contact them at all......…
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After for some advice on what best to do
Hi guys, I am going to post my SOA in a moment and was after some advice on what best to do as my tenancy is up next month and I am unsure or not whether to just move home to my parents' home and commute to work by train rather than working 2 jobs. Ideally I don't want to have to move back home however, I do think…
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I dont know what to do???
Hi All, I have a pretty good credit score, I have never missed a payment but I can not get a new 0% CC, I tried in Jan and got turned down, then tried again last week (waiting for 6 months) and got turned down again. I was told Halifax would except me.......... Im desperate as my cards (3 of them) are all in the interest…
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Paying off cards
Hi I hope you can help....my gilfriend and I are wanting to pay our cards off but aren't sure of the best way to go about it. Do we get a loan and pay that off or transfer to one card and pay??? What do we do for the best. Come people help us become debt free! Thankyou in anticipation.:j
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Full & final Offer - Barclaycard
Hi, Has anyone ever had a full and final settlement offer agreed with Barclaycard? If so, how much was it agreed for? (%). Many thanks T
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please help
Hi, I really need some advice, i have got myself in a terrible state with money using payday loan companies. I now owe around £3,000 to them, i am having to pay over £700 per month. I cannot tell my husband i just cant and i dont know what to do. I have got an appointment for a log book loan tomorrow as i have to pay my…
