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RBS/moorcroft, DMP
We have been paying through with our DMP, payplan. We near the end, so we asked for an upto date figure. We paid over 1300, To RBS/moorcroft; the figure they said we still owe, is just below £700.00. We know that we had a statement, saying in Nov 2002, that there is a balance of £1200. We started our DMP in 2003 Feb.. Our…
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In a bit of a muddle
I'm not sure what else to say!! I have £700 in my bank account, about £9000 worth of debt, abot £4000 is on 0% cards, one of which was just cash borrowed to sit in the savings account until I needed to pay off the other 0% card, however, nothings gone to plan, I had to use the savings to pay for essentials, I've just…
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Cash plus credit builder?
Hi, I am trying slowly to re-pay all my horrid debts and I am on a DMP with CCCS. I have a cash plus pre-pay card which I have had over a year now. I see that cash plus do a credit builder option, would I be able to apply for this? Or would the CCCS be unhappy with this as I am aware I am not permitted to take any…
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Selling vinyl records
HI guys, I've done a quick search on this but can't come up with much so hopeing you can help. Hubby and I are tackling our debts and have managed to sell clothes, CDs, DVDs and games on various websites to make some money. Hubby has a collection on vinyl records and was wondering if anyone knows anywhere we can sell them.…
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Debt Management Plan
Hi I owe about 16500 on credit cards and 2770 for my buiding charges for where I live - I also owe my parents 3000. I oay back 600 every month to credit cards and 200 for my building charges. A lot of money. I am penniless within a week of my 1885 pay packet every month. The balance has not changed for 2 years because of…
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Up date on debt help
HI just an update i am helping a friend with a dmp a quick question he has had a few letters , sent if offer of payment plus soa they the dca send repeat letters etc how many times does he need to write to them he sends a monthly payment but surly he cant keep repeating himself in the same letter he has sent the 3 as…
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What/whose income counts for DMP SOA etc
I notice a lot of people trying to seperate out their finances with a partner when doing a SOA. When doing these for your own benefit to try and manage your finances better I would imagine it's better to put the whole household income and expenditure down. But how should you tackle it if you houseshare for example? Also,…
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My SOA Please help......
Hi All well i`ve taken the plunge & done an up to date SOA. Please tell me what you think i can do as i really have no idea?? :( :( Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 (lease car through work taken out of my wages) Monthly Income…
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Weekly Spend Challenge W/C 6th September 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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2nd time lucky at posting DCA chasing me
Hi,lets hope this works before i time out. I bought a Orange mobile phone from them in the later part of 2008. 2 months in the phone died and they replaced that one the next day. a month later this one develops a fault and same thing happens. This new phone lasted all of 3 weeks before the screen went purple and black and…
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Iva
Hi, I'm just beginning to take the first steps to getting an IVA. I'm going through a firm of solicitors called Freeman Jones. Has anyone out there had dealings with them or knows anything about them? It's minefield out there and I wouldn't know if I had chosen a good firm or not, even with hours spent agonising over who…
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Just set up a dmp with cccs
My first post and I'd like to offer a big thank you to cccs for enabling me to put together a dmp which should get me sorted financially. I (my wife and I) have debts totalling about £55k and an income of about £38k so hopefully repaying everything shouldn't be too painful an experience. Got a few disappointing phone calls…
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Can anyone point me in the right direction! I'm Confused!
Hi, I got myself into debt about three years ago and have been paying it off every since. Though due to job chnages, a new car, a house move and spending, it got harder to pay the desired amount each month. About two months ago I started to gamble to get the desired amount I needed to pay my monthly loan amount. Needless…
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Lloyds TSB - got my PPI back :-O
Well blow me, a good while ago I wrote a complaint to Lloyds who bascially came back and said that I was not mis-sold PPI on my loan. I had also mentioned many a time over the phone that I had been mis-sold this and tried from after the loan was taken out to cancel it but never could. Anyway, a year later....a letter…
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Dmp
I have filled in my SOA on the CCCS website. The result is they advise setting up a DMP. This path seems very frightening to me although I seem to have no choice. Does a DMP ruin your credit rating? And what are the pitfalls. I have not yet proceeded to stage 2 of the form yet.
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Capital One, Capquest and letter from HL Legal
Hi, I would really appreciate some advice (this is my first post here). I have been unable to work since suffering from cancer 10 years ago. I had credit card and loan debts I was unable to settle and the CAB helped me set up agreements for token payments with the 7 creditors involved. These have now been in place for over…
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Ex Partners Debt
I'm pretty sure the answer to this i already know, but i wanted some impartial opinions or advice so i had this straight in my mind. Essentially my ex partner during our 15+ years together was abysmal with money management and on several occasions needed my help in getting past financial difficulty through consolidation…
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Being chased for a debt that isn't mine
I received a letter about a month ago from SRJ debt collection agency informing me they had been trying to contact me about a debt of £406. which was owed to E-On at an address I previously lived at. I rang them and asked when the debt was owed from and was told 2004 & 2005. I informed them that I moved from that address…
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£1500 debt owed to multiple people - help!
Hi everyone :j I'm really looking for help for my boyfriend. He is terrible with money and has so far racked up debts of £1,500 (not inc his student loan which is a lot more of course). I've never dealt with debt before and want to help and hoping seeking advice from here is the best place to start. So far he owes: £186 to…
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Santander Cards help
Hi, We have a credit card debt with Santander, and whilst in hardship for around the last 6 months or so have been duly paying them a token £10 per month. Despite having originally sent them an income & expenditure/budget list, a list of creditors etc as produced for us by the CCCS, they recently started hounding us…
