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When will I feel human again?
Ho, Wonder if anyone could offer me a few nuggets of advice? I got started on the DMP route on the 20/1/11, sent letter to creditors with ref no and token payments, opened new bank account but still haven't got the bank account details so haven't been able to send the direct debit form to CCCS. Hopefully I will get the…
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Stuck in a contract...can i make the debt fun???
Hello all. So ive been and messed up and entered into a contract with BT that they wont let me out of. They say I am going to be charged for cancelling 24 months at £2.95 I think it is.So Im sitting here thinking shall I cancel it then and pay the cancellation fee and a few thoughts have cropped up in my mind. Ok so if I…
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Tiscali account outstanding
Here is a weird one for you. In my old house I had Tiscali Tv/Phone/Broadband installed. When the guy set it all up, I noticed the name on the box said Peter, and when bills came through they were addressed to Peter, despite the money coming out of the bank account in my name (not peter). When I moved and tried to cancel,…
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MSE News: Debt advisers to go in government cuts
This is the discussion thread for the following MSE News Story: "Consumers could soon struggle to find free debt advice after the plug was pulled on £25m-a-year funding ..."Read the full story: Debt advisers to go in government cuts
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Clearing a small overdraft
Hi guys, first post. :o Right now I am overdrawn about £700, on which I get charged about 19% (Nationwide). I will be able to clear it and stay out of overdraft when I get paid at the end of this month on the 28th. Is it worth it to clear this temporarily then pay it back with some sort of 0% offer? Or some way I can pay…
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help please fredrickson international
they kepp sending me messages and when i tried to speak to them they said that the name and address was mine and the dob wasnt and would not tell me anything about it they wanted me to prove the dob by sending my driving licence there are no unsettled debts on my credit reports and i have checked all three experian equifax…
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Just had Santander on the phone...
They've received my letter showing our income and expenditure and are now asking to see proof-of-income, last years accounts and a bank statement or two. We're self employed so money tends to fluctuate and at the moment for 2011 we only have about 2/3 of the business we had last year. So the statements and accounts wont…
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resolvecall and Egg card
as some of you will know im managing my own debt management plan,I had problems with Egg before xmas, who wd only take a monthly sum if it went through payplan. As it was so near xmas, I tried and tried to get thru but couldnt, and my egg acc was passed over to resolve call? ltd in Glasgow. Someone has called twice as…
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Revised SOA budget advice
Hi all, I filed for bankruptcy in July 2010, so am part way through. Due to a change of jobs and a substantial reduction in salary, I am revising my SOA budget. Please could anybody give me some advice on the figures before I pass them on to the OR? The income figures were calculated using the benefit adviser tool on…
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F&F Acceptance-Is this wording ok to pay?
Good Morning I have been given by my mum who lives abroad (I am originally from abroad) a sum to settle on of my biggest creditors MBNA who suprisingly without haggling accepted 55% of the balance as F&F offer even though that the debt was still in house and I have not missed once my payments under the DMP Plan. Anyway, I…
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Thurs 3rd 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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I need help and don't know where to turn
Hi This is the first time that I have spoken to anyone about my debt problems because I am ashamed and afraid. 7-8 years ago I got into debt with several creditors and, whilst I paid most of it back, one of my creditors (a high street bank) didn't get in touch and I didn't change my address with them when I moved house…
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Can anyone advise on our situation as we are desperate
Dear :money:members I am hoping someone may be able to advise on the best course of action for us. This could be a lengthy message but I hope someone can take the time to review. A little background information. My wife and I have been happily married for 7 years. We have one child of 21 months and rent a home in Milton…
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Hello, bit of a problem any advice gratefully recieved
Hi there, firstly let me say hi, long time lurker of this forum and very much impressed with the help other people have received on here. this is my first post go easy on me. I have a problem i would like some advice about, a bit of history i am in debt to the tune of 3200 loan which i took out for home repairs (new boiler…
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Hit a low
Hi All I havent been on here for a while but feel I have hit a low in my struggle. Up until 2006 , I was in a well paid job. I was made redundant and within days my girlfriend left me with massive debts of 55k. I have this down to around 28k I believe (still doing the maths) In March last year , after living with parents…
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Has anyone had info about early repayment of loans?
I've read the article here about how we should now be able to do early partial payments for loans and had a look at the legislation http://www.legislation.gov.uk/uksi/2010/1010/contents/made Can anyone explain it to me? I admit to being a little bamboozled by this as we seem to be keeping the current full payment…
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CCJ & Credit report
Please can someone help me - I have taken the plunge and got a copy of my credit file. I am now in the process of contacting each creditor with F&F offers. I have a CCJ of £493 shown on my file from a store card which I did have a monthly payment agreed on but that has since lapsed. A company called Aktiv Kapital has the…
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ccj / disposable income
Hi all Any advice very much appreciated, We did owe 15k to egg which we defaulted on, the debt was passed to direct legal which we now pay evey month without fail and now owe 11k. I have a disposable income of £220.00 and pay DLC £189 a month, they are sniffing for more however the wifes hours have been cut at work and i…
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Newbie - where can I save money?
Hi all My partner and I are desperate to be rid of our debt as soon as possible. It's not really unmanageable but we just want to clear it quickly so our wages can go on us and not lending companies! I've done my SOA which is detailed below. If anyone can give any tips or advice that would be great. With regards to our gas…
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anyone know anything about balieff fees please!!?? *UPDATED -LETTER RECIEVED BACK*
*please read my update in post below* :) hi everyone, having a few problems and wondered if anyone knows anything about balieff fees and could possibly give me a little advice... basically i owe some council tax (2 seperate bills - one for £190 and one for £472 - £662 in total...) i atually wrote to the council to tell…
