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A bit of a pickle...
Hi All, Just after a little advice. I am recently married and my better half has suddenly had to give up work and we're an income down. To be open we have both been fairly carefree with our spending especially in the run up to the wedding. Although in saying that I have always detested having any credit card debt and…
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I have no idea how much or who I owe but I know I'm in serious debt
Can anyone help Please. I got into debt about 4 years ago with the bank and a loan company and other debtors totally 24k. Instead of managing the situation I caved in resulting in a personal break down and withdrawal from normal activities and lost my job. I recovered slowly and found a new job and rented a small room away…
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default notice please help!!!!!
iam in arrears by £310.00 i have charges of £190.00 for sending letters. i have received a default notice for £500.00. if i pay the £310.00 before date of dn, can they still take me to court for the charges I have an email from them confirming my arrears repayments from 2nd aug, but they are now completley ignoring the…
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Fairfax Solicitors = Grrrrrrrrrrrr
This lot are starting to annoy me now. They do not understand the basic principle of "account in dispute" The fools ring me everyday & get nowhere, i give them credit for their persistence though. Anyway to say that this lot seem to be a law unto themselves would be an understatement. All the complaints have been made (OFT…
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On a DMP have got a CCJ -oh no!!!
Hi, I havn't posted on here for a while. But this forum really helped us reach our light bulb moment! So I'm hoping you can help again. We started a DMP with CCCS in Oct last year. So relieved and happy to be sorting out our huge debts. All of our creditiors were fine with the plan and most stopped interest, although some…
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MBNA Partial Settlement Agreement
Hi all, I posted a couple of days ago about a MBNA offering a partial settlement and have recieved a letter detailing it. It basically says: - no action will be taken by MBNA or any external agency to recover the remaing balance. - my account will be listed as partial settlement for six years. - my account will be closed…
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Ok Here's My Situation...
I've got myself into a REAL pickle. I origonally was looking for ANOTHER loan to sort everything out - and reduce my repayments, but no one will lend - and I've realised that this is just another part of the downward spiral..... PLEAAAAASE HELP - Its getting me down!! I have just been on the phone to nearly all my…
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ccj help pls!!!
Hi all, me and my girlfriend are in the process of getting a rent to homebuy property, the last hurdle was today... a credit check. Mine came back with an outstanding ccj. If i pay this in full next week how long would it take me to get a certificate from the court saying it has been settled? As we cannot move in until…
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dmp help
can anybody tell how badly your credit profile is affected by entering into a DMP? also how does it affect you if you want to apply for a remortgage?? :)
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Debt Trouble? It Does Get Better.
Hello everyone, I'd like to share my 'light at the end of the tunnel' moment with those in the depths of despair; and how it does get better. In 2004 I was reckless with money. I admit that, and looking back I was naive and stupid. I ended up going through a Debt Management Company to sort out my mess, and I finally paid…
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I have been refused 0% credit card and need help to sort out our finances please.
We managed to get our debt to zero and have now increased debt to almost unmanageable levels. All the borrowing has been to convert our derelict barn into a holiday let. It will bring in enough money to cover the payments once let. The major problem is that I have all the debt in my name, except the loans which are in…
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Plan of action??? Help plz
I'm really looking for some advice on making a plan of action for how to address my debts. Brief history - back in 2005 I found myself living with a verbally abusive husband, suffering from depression, and with debts of around £26,000 which were costing who knows how much to pay a month. All debts were built up between…
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Debt consolidation - Catch 22
I currently have about 5 credit cards, all maxed. My fault, i am totally resposnsible for this, so instead of paying the cards at the minimum payment for years on end, I went for a loan, so that I could pay off the cards and close them down. Things are tight, but I am still making repayments and will continue to do so. I…
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payplan ...final settlement...advice please!
I am currently on a dmp with payplan, which started at around £20000 and is now (according to them) £7,700. I think in reality the outstanding debt is more than this as not all of the creditors froze the interest. I may have the opportunity to offer a full and final settlement but have read that it may be better to do this…
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Full and Final Settlement
I wondered if anybody could offer me some advice please. I have a huge debt with Northern Rock (now sold to a debt collection agency) I've been running away from it for years (not proud of this) but they have recently sent me 2 letters to my current address asking me for payment and then threatening court action. The debt…
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Advice please :)
Hi everyone - I'm trying to finally be Debt Free and been working hard on it over the last 2 years or so since my divorce. My current situation is this... Credit Cards Cap 1 Limit is £1,200 - pay off every month Vanquis Limit is £1,250 Balance is £1,000 - Pay min paym't + 50 each month - Have cut it up now so am unlikey to…
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Natwest Overdraft
Hi everyone, Just a bit of advice really. After a really bad patch I ended up with a £1600 overdraft limit with Natwest, which was maxed. I switched banks in the nic of time, but still have £1374 left on this overdraft, which I am paying £50 a month to try and clear. As you can imagine this is taking some time to do. I am…
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iva's
Dear All, new to this,,,,i have read somewhere in these posts someone, like me now, was paying back not just there creditors but the dmp agent as well on an iva, i am paying £500, per month on an iva and am realising i am probably paying way over what i owed and for longer, the people i read about managed to change to a…
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Debt and Depression. please help
my brother isnt feeling too happy, mainly i feel because he has some debts. any advice would be much appreciated. Assets House - @£70000 with £26000 mortgage. willing to sell. Debts 10 credit cards - total debt @ £12000 needs monthly servicing. What can he do? thanks molly
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Debt management company calls
Hi, not sure whether this is the right forum, but... My ex-wife recently received a call from a debt management company claiming that they had obtained from a credit reference agency a list of people with debt, and that the owner of the house had £15k of debt which they would, of course, like to help with. When she…
