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Dmp payment date .CCCS
Does anyone know if its possibly to change the date you make your payment to the CCCS. Originally it was agreed it would be done on the 1st of the month but it would be so much better for us if it was around middle of the month . Thanks in advance.
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wee bit of advice req re settlements
I'm getting £8109 in September from my employer, this is a backpay settlement. I've outstanding debts which back in 2004 were near £27k and I am still paying monthly although alot are now cleared. I've contacted the creditors and requested full & final settlements and I'd love someone with experience to help me do what is…
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Debt Problems
I have a friend who has been quietly racking up debt for years. His wife has Parkinson's and he is planning for their retirement. He is considering making full and final settlement offers (roughly 50%) to all his creditors. Since the house is in joint names with his wife, he does have some assets, in the form of equity in…
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anyone have advice on a GAIN
have got advice on the credit card forum and after getting my credit report, apparently i have a GAIN on my account from capital one which is incorrect. Basically the card started off with £100 limit and eventually (after my own stupidity) ended up at £330 odds including the interest. i eventually agreed a settlement…
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Boyfriends debt
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Helping OH in debt
Hi all, This is my first post, hope it is in the right place! My OH has debts of ~£25k - thankfully we have enough income coming in and he is paying them off steadily. We have different attitudes to money, as he has a bit of a tendancy to stick his head in the sand, whereas I like knowing exactly where I stand. So I find…
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Mackenzie Hall
Hi all, I received a letter today from Mackenzie Hall saying this: "Despite previous correspondences you have failed to respond. We have obtained this alternative address as a financial link, linking this address to your previous abode. This financial link information was supplied by a credit refernce agency. We have been…
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can you change debt management companies
as the title says can you change companies? i went with one who charges i panicked at the time prob would've agreed to anything but now coming on here i see theres companies that dont charge like ccs and payplan can you change over to them or are you stuck with the same ones? thanks
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Budgeting Your Money
Evening all. I have a question with regards to your individual budgets, well more about your bank accounts I suppose (I don't know :o ). When I was setting up all DD's during the moving in phase (at my home) 2 years ago, I aimed to have a bill come out each week. Obviously as I have added bills over the time I've been here…
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Debt what to do BC + Wells
Hi, I owe Scottish power £692.99 for a final bill after moving out of a rented house because they only estimated my bill every month and apparently I used a hell of a lot more than they thought. I said I couldn't pay and it was unfair as no one came to read the meter. I said I have just left University and don't have a job…
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Overdraft vs credit card
I am trying to get rid of an overdraft I have had for years from an old student account, currently standing at 1,650D approximately. I pay it off with a minimal monthly amount and keep dipping into it, but am looking to become more disciplined and pay it off quicker. I have just had notification that the interest rate for…
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Vanquis
Hi wondering if anyone can help me, we were on a dmp plan and were in the position to pay off our debt every one has been paid apart from vanquis we sent them 2 letter about full and partial settlement and have never recieved a reply. I rang them and they said that a debt collections agency had the account and they couldnt…
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Fingers Crossed
My DH is in a DAS, but its going to take donkeys years to pay it all back, so I've put pen to paper and written a couple of !!!!!!. I'm starting with the wee ones £1800 - offered £750 and £4600 - offered £2700. We can live in hope eh? The main point I've emphasised is that at current payments its going to take inexcess of…
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Student in Trouble
Hi, I'm a student, but unfortunately have had to withdraw from my course on two occasions to receive medical treatment. I'm now fighting fit and getting ready to go back in September to finish my degree. When I started university back in September 2006, I had a student account with NatWest, and then a few months later…
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My SOA
Hi all, me and my OH have got quite a bit of debt- we're generally managing, but it would be helpful if anyone has any suggestions on how I can make our situation more comfortable by taking a look at my SOA below. Cheers! Statement of Affairs and Personal Balance Sheet Household Information Number of adults in…
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Sneaky Ba$$$rds!!
Caution! Carter Forbes! So i'm ringing round my creditors/dca's to make my monthly payements for the ones i have set standing orders up for. I get to carter forbes who are acting on behalf of cash genie ltd to make my 1st payment of £10, they take the payment all went through fine. I ring another creditor to make a payment…
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Grumble...
Oh dear, I'm sorry, I'm here for a moan... Someway, somehow, I've just had to take £450 out of my precious savings to cover overspends from the last couple of months and now I feel really miserable.:( It's bills quarter and I didn't plan for the paying of them. I realised that I play 'plastic fantastic' on my credit cards…
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What to do?
Just got back from CAB meeting and they basically said the only option was for us to go bankrupt, which is what i have thought all the time. In the meantime CAB are going to send letters offering token payments to all creditors until we can save up the fees to go bankrupt. My OH is trying to sell the car privately and then…
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Help :(
Ok.. so I got cut off from my contract in Feb, stupid idea why I took out a mobile contract again I have no idea! but as the story goes i've tried to keep up with payments and got down to £152, so as far as I knew I had to pay that and that was the end of it. I got a letter on the 18 jul saying the payment was due…
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New start for September
I am a long time reader of MSE but now need some help. After being in debt twice before and clearing it to £0 we are in debt again. We are paying everything, have never missed a payment BUT am starting to find it a struggle to watch what we are spending. I say WE but really me . So myself, husband, 20yo DD, 4stepkids 3…
