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New SOA - have handed my notice in at work...
Hi, Any advice/suggestions on our SOA would be appreciated. We are a family of 2 adults and 2 children (1 and 3yrs old) and we have another baby due in June. I have just handed my notice in at work as I would have been working for practically nothing after paying for childcare for 3 of them... We need to try and make cuts…
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Dealing with Lloyds TSB on my own
Hi All Bit of an odd one. I have been paying Abacus Finance £125 a month for my 2 loans a credit card and overdraft with Lloyds TSB (Abacus kindly take £22.09 of this for themselves!) Anyway I haven't had a statement from Lloyds in a long time and Abacus haven't updated me on anything, last time I spoke to them they were…
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terrified of dca
I have many debts and am paying low amounts to each one, i have recently had a new dca threarening me and bullying me to the point I am on antidepressants. can the courts order me to pay more than i can afford, what if uther creditors have not taken me to court and i owe them far more money than the one who has.what would…
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tax and debt
I am in a huge amount of debt and was slowly but surely making headway. I have cut and scrimped and work 2 jobs but today is the end for me. I received notification that I owe inland revenue over £6000 in underpayments. My debt is a combination of factors, not all excess shopping but losing 2 jobs in 2 months due to…
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Old T-mobile debt
Hi Can anyone advise. I have an outstanding debit on my credit record for £78 with T-mobile from 2008. I am not in dispute of the debt, but there can be some difficulty getting the phone to them when you are not a current customer. The automatic call management systems are a nightmare. I do not have my telephone number or…
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council tax problems
Hi, I started part time work (16 hrs. p/w) last October and when my revised council tax bill came in i was asked to pay £122 on the 10th of Dec/Jan/Feb unfortunately because of the date i am paid i have paid each instalment late thus received a late payment letter 3 times on the 10th Feb when the last instalment was due i…
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I am fuming...
So I had an overdraft of 250GBP with Santander and I'd gone over that and was getting charged 100GBP a month for it. I was eventually in to an unauthorised overdraft of 570GBP. I rang them on the 7th of January and we came to the agreement of me paying 80GBP per month on the 24th of every month until it's paid off. And in…
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can you cancel credit cards if you have paid them off
Hi, I am planning to pay all my cards off as soon as we get a compensation settlement. Could be anytime from now until May before we can. Can we cancel our cards, thus rejecting rate rises. Is there any limit on time you have to pay them off. Sorry that title should read if you HAVEN'T paid them off...
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What does being in debt stop you from doing?
Hi all, i have been struggling a bit today with being such a scrooge in order to clear my debts. Yes, yes, i know, i know, needs must etc... but anyway, as an insentive to carry on, and to remind myself again why i want to be debt free, i thought i'd post a list of things i want to do, but cant afford because of being in…
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Help re Philips Bailiff and Debt Recovery
Hi (i have also posted this in parking and fines) Today i received a letter headed notice of distress warrant from Philips bailiff and debt recovery agents saying i owe over £200 and unless the full amount is recived in 7 days they will attend my premises and remove goods. This was completely out of the blue i couldnt…
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Debt-free but still "frugal!"
Hello there. Acheived debt-free status mid-Jan after nearly 2 years of struggle and hard graft. My mindset has changed completely, and I view my finances in very different light now. Trouble is, the change is so ingrained, and I've been so used to esssential spends only that spending on anything over and above the…
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Default on egg loan
Hi I am wondering if anyone has any experience of whether or not Egg would remove a default notice if the remaining amount of money owed was paid in full? I currently have about £6000 outstanding with them and wondering if this amount was paid off in full would the default be removed?
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Paid of default notice
Hi all, I thought i would post up asking for abit of advice. Last week i joined a credit rating comapany (So i can see my credit score) Equifax.. I noticed i had a default notice on there from Carphone W, this is back in 2007. I was shocked abit by this so i called them and got them to digg out there infomation they had…
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Blackened name from creditor not updating my credit file for 2yrs
:mad:35 months ago i voluntarily went bankrupt,it went through with no problems and i was discharged exactly 1 year later. since that time i have been debt free and everything is paid up on time but was still unable to get even the basic of credit,deciding in january to check my credit file (through credit expert:A ) for…
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Welcome Finance Hp and Loan
Hello Im just wanting to try and find some advice. I have a HP agreement and a loan with welcome finance. I got these both out in 2007. I havent been great with payments i will be honest ive been really really bad. In 2009 i signed an agreement modifying the hire purchase and the loan in order to reduce the monthly…
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New Budget - Massive overspend - any help grateful;y received
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 1,450.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Can someone please review my SOA
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 0 Monthly Income Details Monthly income after tax................ 1700 Partners monthly income after tax....... 0…
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will you cut up your cards?
hello Just been thinking about when I finally pay off my card - will I cut it up? Sort of scared to, as its been my safety net for so long! so I was just wondering what others were planning to do?
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Paid a statute barred debt?!
I received a letter today from buchanan clark + wells saying I had an outstanding balance for a Provident account. I phoned them as I had no idea about it, and they said it was from April 2004 at a previous address of mine. I said I had no recollection of it, but assumed I must have forgotten about it and paid it off in…
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What happens now?
Hi , After a few stressful calls with Lloyds Tsb yesterday I finally bit the bullet and called CCCS yesterday (what the poor guy thought of me crying down the phone at him :o ). I posted in Sept when my OH lost his job and we really hit rock bottom. He managed to get another job for less money and with the help of my…
