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Help with SOA please
Hi all, As I'm making a real effort at my debt I was hoping you could all have a look over and rip to shreds my SOA. As a bit of background my OH stay at mine 3 nights a week, hence I have put 2 adults, but he does not contribute to the household income as he has his own hous to support (which I stay at about 2 nights a…
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When do the calls start?
I have had my phone "appointment" with the CCCS counsellor and things are even worse than I thought - I have £4 left each month to share amongst my 11 creditors! I was advised to send off letters to my 11 creditors (which I was emailed to use) and offer £1 to each until I am in a better financial position. I did this last…
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DMP but mint concerns
HI all, i am on a DMP with payplan since jan all is going well apart from lloyds & littlewoods. Mint were one of the 1st to agree & have been great i get regular statements from them & the minimum payment is always what i pay them through payplan so £6.45 but today the minimum payment has shot back up to £88!! I phoned…
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Bristow & Sutor.. HELP!
hi there. At 8.30am this morning i had a Bristow & Sutor bloke at my door asking for my partner. I freaked out and panicked and told him he doesnt live here and he moved away a couple of weeks ago. He then asked me for my name, so i gave it him.. He then asked if the property is rented which i said yes and he then demanded…
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Overdraft
Can someone help please? I changed my bank account from Barclays to Abbey about a year and a half ago. I automatically had the same overdraft that I had with barclays which is £850:00. Unfortunately I went through a divorce which meant I was actually using my full overdraft every motnh to pay my finances. Therefore I…
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Cabot Financial
Hi everyone Just wondered if anybody had an dealings with Cabot Financial? I had a couple of letters from them so gave them a call as the letter didnt say what is was regarding. When i got through to them, the guy asked me to confirm my ref number and address and my date of birth.....when I said the date of birth it didnt…
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Hooray! It's hump day!!! Weds daily chat..
Thought I'd do the honours as we had such a late start yesterday!
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Wednesday 7th 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, when…
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Please help...don't know where to turn!
Hi all, I am finally posting here in the hopes that someone can make sense of my situation and help me climb out of this horrible place I am heading... First of all, my back story: A year ago I left my husband when finding out he was having an affair. We had racked up some debts IN MY NAME because his credit was shot and I…
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Advice please
Hello everyone Its such a comfort reading through these threads and realising I am not the only one struggling to enjoy life with debt over my head. I currently have a £20k debt and have a DMP with CCCS - the best thing I ever did! Im 28 years old and I feel like there has to be more to life than working my !!! off to pay…
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Selling up to be debt free!
Ok, this is probably going to sound a little lighthearted but believe me I have agonised over this, long and hard. The purpose of this thread is to invite people to make suggestions and offer advice on our current situation and decisions, this way any potential pitfalls may be identified and dealt with. If you care to read…
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Question - full and finals
With a full and final settlement offer, how does the third party paying work? My best mate going down this route and I am trying to help her. She was told to get a third party to pay the amount so that the creditors dont come back and ask for rest? Thanks
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Vanquis Debt & DCAs
Hi all! I'm on a mission this week to sort out the issues arising around my debts, and this evening I am tackling Vanquis. Now, I have had regular statements from Vanquis, even since DCAs got involved. That's fine, it's nice to know where I'm at. Well, sort of... Vanquis wrote to me at the end of last month, stating that I…
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Have you used this company?
Hello At the moment we are under a debt management programe with a place called triangle finance who so far have not done a bad job. I have had a call from a company called innovative finance claiming they will do more for us and can have us debt free within 3 years.Has anyone used these guys and what was the outcome ??…
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Help with a mobile phone account in dispute
I hope someone can help. My husband had a contract with 3 for his mobile phone contract. After he lost his phone at new year and they replaced it and locked him into another 2 year contract without explaining this was the case to him, he disputed the bill and said that he didn't want the contract or the phone but they said…
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Personal Cheque Cashing Overkill
A friend of mine is under a tremendous amount of debt. They decided to cash some personal cheques in some local cash for cheques shops, (somehow they managed to have several chequebooks for one bank account) They raise several thousand pounds by cashing all the cheques. They used this money to immediately pay off people…
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New rules on "setting off"?
From here: MSE News: FSA crackdown on banks raiding savings to pay debts
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Amazed At My Credit Report....................
Why am I amazed you may ask? Well I just am lol :) No seriously I have avoided looking at my credit reports for years now but today for some strange reason could not resist, so signed up to Experian who said they need to do some further checks and will email me! Then signed up for Experian, had to give them a call and…
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does this site have
an orange phone rep? kinda like the way that we have a vodaphone one?
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When to pay off a fixed value loan
Is there a calculator somewhere that tells me the best time to pay off a loan with a higher interest credit card or overdraft, but that then allows me to pay more off? OK that sounds confusing reading it back, example: I have a loan at 6.9% (pretty good), and I'm paying £267 a month into it. I have a credit card that…
