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changing name
could anyone please tell me how to change my logging in name please?
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Had a letter regarding ancient 'debt'
This morning, I got a letter from Fredricksen International, claiming they are acting on behalf of the DWP regarding an alleged debt of £116.50. I do recall the DWP getting in touch with me a couple of years abck, and telling me the debt related to 1991!!!!! Of course, I cannot remember this, and have no idea what they are…
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Barclay card/Doorstep collection
I have an appointment to speak to a credit card counsllor on thursday. I have just received a phoneall from Barclaycard. I sent a recorded letter to them nearly 2 weeks ago with an interim offer of payment, and details of the CCCS ref number which they claim not to have received, and are threatening to send someone to the…
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Mon 6th Sept Daily Chat All welcome :)
Good morning Well Dh has gone back to work today and both boys are in school :) Peace BLISS lol Need to get cracking on getting the house ship shape again now though :( I've done my bedroom this morning cleaned kitchen, done some ironing, so just having a break with a coffee before i crack on with more :) Had to strip…
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Advice
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,516.67 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Monday 6th Sept - 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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Drowning In Debt
Need some decent debt advice. I am 5K in debt for 8 years now and it gets a little smaller then jumps back up again on my credit cards. I currently earn 200 per week after tax at work with no overtime available. In my spare time i try to improve me skills in website design using photoshop etc but i find this time consuming…
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bank has taken all my redundancy money and left me penniless and with an overdraft
Last year i lost my job and was left with a number of debts. I put in place a repayment plan of £10 a month for all my creditors and have been paying them off regularly at that rate and when i got a new job in Feb was able to settle some of the main ones such as mortgage and car which i need for work. Unfortunatley I was…
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Man petrified of debt hid garden shed for year to escape debt collectors.
A man petrified of his mounting debt hid in his garden shed for a whole year to escape debt collectors. Steve Morris, 60, became so anxious about the bills piling up in his hallway and creditors asking for money that he moved into his shed at the bottom of his garden in Weymouth, Dorset - with just a television and a…
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What's the 1 thing you cannot give up, even during this credit crunch??
Even though we are all looking to make the most savings anywhere we can, especially with the credit crunch still looming over us, what is the one thing you cannot do without? Mine is talking books. I am registered blind and find it very difficult to read print now but due the to subjects I am interested in the RNIB talking…
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Help!!
Couldn't think of a more appropriate title! I am in debt to the tune of 15000 with credit cards and I barely earn enough to make my minimum payments. I asked all my creditors last year if i could make reduced payments but haven't kept up to date with these so some of my cards have just been unpaid for a few months now. I…
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Barclaycard refuses claim under PPI - help.
Hi everyone I Hope someone can help me with some advice. Back in February this year, after being treated for depression for the preceding 10 months, I quite my job that I'd had 4 5 years. I was 'lucky' enough to be offered a job by someone I knew professionally with another company in a similar field to what I was doing…
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Debt Advice please.
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 3000 Partners monthly income after tax....... 0…
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Is a Debt Management Plan the way to go?
Hi there. New to the forum and wanted some advice from those with similar experiences. Basically my husband was made redundant, found a job, but unfortunately was not enough income to keep us going. ( I work part time looking after our 2 small children) We have just started a DMP with the CCS (just made 2nd payment). All…
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Budgeting help please
Hello everyone. I went through a very messy divorce a couple of years ago, and to cut a long story short am now saddled with an very daunting level of credit card debt. I have been juggling credit cards but am no longer able go get favourable balance transfer rates which has forced to face up to the mess that I am in. I…
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Keep paying loan or move to 0% cards or other ideas?
Hello I'm getting to the end of my tether trying to pay off debt. It was a loan of £15000 over 10 years(with interest making it £25000). I've done a lot of overtime and been much more disciplined but I'm stressed from always being at work and getting ill more often. I now still have to pay around £6500 to northern…
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Should I pay for independant financial advice?! Dont know what to do...
Can anyone offer advice please? Considering paying for financial advice but dont know if its applicable in our situation. We are in debt but not to the extent we cant meet our repayments on loans/credit cards etc. We have a 100% mortgage, house was bought for £160,000 in September 2007 and we currently owe £156,000. Our…
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Right mess with CCCS...HELP!!!!
I had a DMP with CCCS, the asked for wageslips etc which i sent them, they sent up a plan, but i thought the monthly payment was quite high, when i looked closer they had worked out by husbands wages on an average including overtime. I contacted them but they state that is what his average earnings are, as the overtime…
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Mortgage Insurance: Bank Nurse
Hi, not sure if this is the correct forum to post this on. Apologies if not. My partner has been working for the NHS for almost 20 years, mostly on what is known as a 'bank contract'. Basically he is contracted to work wherever in the hospital there is a shift available. Up until very recently there has been no shortage of…
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Advice Needed Soon Please
Hello Everyone I've been sent a letter from a company in Scotland who say they are going to execute a charge for payment, which means they'll freeze my bank account. I can't go into detail except to say that my husband was very violent in the past and forged my signature on several documents which resulted in him…
