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token payment question-and some more questions
hi, I was reading MSE for a while now and only today decided to register. Me and my partner have around £31K debt between us (cards and overdraft). We are self employed and business is not doing good at the moment so we can not afford to pay anything to cc companies. We got advice from CCCS and last week I sent letters…
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can i make token payments on a ccj?
I have a ccj which I was ordered to pay £100 per month, but I just haven't got the money. I didn't really know what I was doing so just let the judgement go through. I can afford £30 this month should I ring them and offer it and can they refuse even if they see me trying to pay it?
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Equidebt letters ?????
Hi Sorry i am new to this so dont know if i have posted this in the right place. Back in August 2008 i received a letter from Equidebt stating that an admin error had been made and a default had been issued to me incorrectly, they said this this would also not affect my credit file. I have now received a letter this…
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Paying off all my debts, which way to go??
Hi, Im not sure if im in the correct place but hoping somebody could give me some advice? I am currently in about £15500 in debt and currently with a ddebt management company, have been for about 2 years now. I have to say they have been fantastic and have really helped me. I have just admitted all to by boyfriend as we…
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Help Building Society not help re Charging Order.
Can someone advise me on this. I have 2 charging orders in my name and one in OH 's against our jointly owned and mortgaged property. I am living in the property on my own and the Bs have agreed to let me go onto interest only payments ( which will more than 1/2 the monthly payments ) for a year or until I sell the…
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What to do next
Hi all Desperately need some advice. Currently, my husband and are I both working. We have debts of £34000 which we are paying off via a DMP. The problem I have is that I really need to quit my job. It has become extremely stressful and I am feeling ill with the worry of it all. If I do quit, this means we wont be able to…
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temporary payments..how long can this go on?
Good Morning I am just about to offer temporary payments to the people I owe money to...how long will they accept this? I'm on disability benefits now...but am likely to have the amount of money that I receive reduced soon and then I'll be on basic benefits...so I'll have a much lower income...I'll look for work but I cant…
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Old old debt
Hi i need some help i have received a letter saying i owe money from an old mobile phone debt from over 7 years ago, i seem to remember somewhere on here there was a template letter to send off that clears the chasing of this debt, i thought i saved a copy somewhere but it seems i have lost it, its just i am worried as i…
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Thursday 24rd March - 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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Unbelievable
I previously posted a thread about 10 days ago seeking advice after Fredricksons International began chasing me for an alleged debt for an Orange mobile phone. I genuinely had no knowledge of this debt but began to receive various demands for money coupled with harassment, by telephone, of not only myself but my relatives…
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Would love some help and advice please
Hi there I have lurked around in the shadows of these forums for some time now but having seen how kind and supportive people are, I am looking for some advice. I had my LBM last March and have been on a DMP since then. I am a student nurse (aargh) and also work. My main question is I feel like I am still being quite…
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Help with mackenzie hall and CCA's
help is required!!!!!! I have received a letter from Mackenzie Hall on behalf of Northern Rock. I had a mortgage with northern rock and approximately 3 years ago the house was repossessed as i could not make the payments on my own and my ex was not willing to pay. (joint mortgage.) The property was sold by northern rock…
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A Pleasant Surprise
I'm posting this in the hope that it helps someone who can't see any light at the end of the tunnel. I've struggled with my spending habits for years, especially in the last 2 years since I discovered this site. Its been a constant battle in my head not to buy things I don't really need. I haven't been on the forum for a…
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Which card to pay off first
Advice needed please. I have six creditcards all with various amounts owing. Can anyone advise if it is best to pay off the smallest one owing first or spread the surplus monies(what I have) over the six. It's really difficult when the creditor will not agree to my payment and the interest is just mounting up and up, also…
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Start of my Debt-Free Journey
Hi All, Have had my LBM, spent many evenings sitting down counting up all my debt and ashamed to say its far worse than I thought. Problem is, I have started on this path before- make great plans but then I never have the willpower to carry-on along the path of actually dealing the debt and my problems with spending. I…
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provident
Hi has anyone had dealings with Provident loans. The reason Im asking is that due to mortgage arrears I need toreduce my payments to them. At present we are paying two hundred and forty pounds per month and are on disability benefits. I intend to fully pay them eventually but need the breather in between.
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New Starter
:(I am starting to sort out my debt problems I hope and have at long last listed who I owe what to. Hope that is the right way to start. Because I had to give up work 3 years ago due to ill health, I have much less income than I had. I am on incapacity benefit and have been overpaid by over £2k but they have come to an…
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UK Mortgage shortfall debt, living in Norway
Hi all, i'd appreciate it if someone could give me some advice :) I currently live in Norway, and have done for close to 4 years. Recently we handed the keys of our UK house back to HSBC as after 3 years of renting it out the fixed rate period was over and we could no longer make up the difference. It was sold this month…
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Don't know where to start!
Basically I have quite a bit of debt which I have tried to ignore for some time but it got to the point where it can't be ignored any more. I checked my experian profile and was horrified to see i have a few defaults on. I would like to do something about it now but don't know where to start. I get paid weekly and would…
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Please can someone advice me
my partner and i have recently split and he has moved out, i believe away from this area. for several months he has been on a debt management plan for several debts but since he has left he has not been making his payments. i know this because i have been bombarded with phone calls and letters from various collection…
