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Debt from Ireland
I held a credit card when I lived in Ireland. While I was back in the UK and making payments, I got in touch to tell them that I was having issues with it and they cancelled the card and the balance froze. I got a tax rebate from the Irish government of €4k which I paid toward the card, about 50%. I then got notification…
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new here
hi i have debt of £3,ooo. with 3 lenders at the min i have been put on a arragemnet of 50 a week to one credit card company which i will have 1k cleared by july. this i will find a struggle and i was wondering if it is a good idea to clear it? the other i pay 35 a month for a card with 500 quid on it and a personal loan…
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Payment less than interest being applied
Hi, I am on a DMP with CCCS which has changed my life for the better. However, one of my creditors is still applying full interest despite having accepted my reduced payment. As a result my balance is increasing every month. Can anyone offer me advice? The CCCS said there is nothing they can do. Ruth
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Pay off Loan or 0% CC
I've been blitzing my CC this month, it's 0% til Sept and after that I will transfer what is left outstanding to another 0% deal. I also have a loan which I can overpay on and am getting charged interest on - suddenly thought, should I be trying to clear this first as CC debt can be shifted from 0% to 0% relatively easily.…
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Equita and council tax arrears
hello guys, I need some help here, I have an outstanding bill that was 190 and as of last week was 261.50 with equita. I called last week and was told pay what you can but still with bailiff. Not made a payment yet, but this morning bailiff shows up and says he wants 440ish, that he hears what I am saying etc, but will run…
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Update and assistance please!!
Hi For some reason the forum would not let me log in under my previous user name Miss Redd I posted my SOA a couple of weeks ago and people kindly gave me advice. Anyway upshot is I have managed to get my gas and electric reduced by £20 per month each and council tax over 12 months instead of 10 so thank you for that. I…
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MSE News: Sale-and-rent-back firms offer "woeful" advice, says Which?
This is the discussion thread for the following MSE News Story: "The consumer group has reported two firms to the regulator after an investigation uncovered major problems ..." Read the full story: Sale-and-rent-back firms offer "woeful" advice, says Which?
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insolvencyhelpline.co.uk - Warning and requirements imposed by OFT
As many people know MADL (under the guise of the insolvencyhelpline.co.uk) does it's best on it's website to give the impression that it is an officially run and impartial advice service. In fact, it's just a front for a lead generation firm. Seems that the OFT have finally taken action to address this. :)…
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£2500 Debt - Advice Needed Please
Hi Guys, I cashed an American cheque in on the 21st January 2011 from a company who owed me the money from myself doing freelance online marketing from them. There were a few rumours that they were going bust so I was worried I would never get paid. However to my surprise I received an international cheque from them and…
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Some advice please - we just keep arguing!
Hi everyone, I have been a lurker for some months but never posted before but I really need some advice! General background - until about a couple of years ago we were fortunate enough not to have any money worries at all. My husband earnt a really good wage and although we had debt on credit cards it really wasn't a…
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debt collection, will they settle for 50%?
Hey all, Since last time I have visited this forum I have been working up to 14 hours a day to pay off my debts and now I only have £900 of debt to my name! which is amazing for me, I have one debt of £550 to a company called EOS for an old paypal dispute which I just gave up on as paypal are the spawn of satan, Now I have…
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How to stop constantly worrying
I'm not sure where to ask this but thought I would try here. I keep myself awake most nights worrying about the future and my financial situation. I was a home owner but am now living with family. I do have a job but it will be a very long time (if ever) before I am a home owner or even renting somewhere on my own…
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Tues 22 Feb - what small DFW things will you be doing 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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Improving my credit rating
Hi there, I know these kind of questions are asked all the time but according to Experian currently my credit rating is bad and I was wondering based on the below how long it will take to get to fair and then how long to good rating….obviously this is only approximate. My current good and bad points are below. It is…
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we all like food...so
im a full time chef guys (currently out of work) i have been cooking all my life ive cooked at the lows (1st job was in burger king) and ive reached the highs (working in michellin kitchens and almost got my own) so with this vast pot of know how..as well as everyone here in the same boat as me and all the home cooks and…
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SOA Any advice?
Hi All, I am 29 and in over 26000 in debt. It is all unsecured and I feel like it will never end. I am currently paying £300 extra to Marks and Spencer on top of the minimum. I am also getting married in September. I am saving £400 per month towards the wedding. My fiancee wants to help, but I won't let him. I've said that…
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Old debts, old wives tales
Is it true that after so many years a debt becomes null and void? I have just recieved a baillifs letter saying i owe 800 pounds from 2003. No savings or enough money coming in, baillifs want 200 pounds over 4 months. Any suggestions?
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New here - can someone look at my budget and debt plan?
We have a few debts, for various reasons, partly bad budgeting and partly no choice due to lack of income (health). We have a loan due to finish in 6 years - we are paying this and just forgetting about it, as it is fixed etc. We have 2 credit cards - one has £3.6k and one has £500. We have a catalogue - about £2k - alot…
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good start!
Hey guys, just wanna say a big thanks to you all, been reading all the threads on this site religiously the last few months trying to make cut backs! Managed to sell my expensive car and now drive a more eco friendly one with less insurance and fuel bills. Also will be paying £400 to debts this month:) p.s extra proud of…
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Help needed desperately
I need help please :( My husband and i are in debt for about £40,000 we have been on a payment plan with cccs and all has been going well until 4 months ago. I had a depressive breakdown and sank into that familiar pit of despair I sometimes visit. Needless to say I stopped functioning which of course involved not paying…
