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Advice please
Thanks to everyone for reading this. I have a bit of a quandary. I have a number of credit cards including a Lloyds (which has approx 3k limit on it, 21% APR, current balance 0), another Lloyds (12000 limit on it, 24.9% APR, current balance approx. 10k), Halifax (8k limit, 6.95% APR, approx £7700 balance), and a…
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Please can you help with Full & Final to Hamptons Legal??
Hello would love some advice on making a Full and Final offer for a catalouge debt to Hamptons Legal (Lowell). I Owe them £628.47 and have £200 which I can offer as a F & F. I have a link to National debtlines letter. Do you think it is OK to send the letter offering the £200?? I had to phone somebody there today to find…
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Debt Managment Companies
Hi there I have recently become a single parent and am unemployed. I have debt of around £5000. The creditors are constantly ringing me and sending me letters about repayments. I have told them my situation and they are not open to any reasoning. I need to go with a debt management company who can take all my debt and put…
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Not sure which way to turn
Hi everyone, I am at my wits end. Am currently with a Debt Mgt program 'paying off' accumulated debt. Have been involved with company for about 5 months now and it is a nightmare. The interest is still going up on my debt, what I am paying to each of them is just being ate up with interest. Was lead to believe the interest…
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Husband died leaving no will & Scotland
10 weeks ago, my husband was tragically killed in a road traffic accident and my world has been turned upside down. My husband and i hadn't gotten round to writing wills, and I'm having to go through lots of awful administrative hell to work things out. In a finacial sense, we thankfully had a small life insurance policy…
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Advice please-Calders
Hi I have 2 Barclays cards which I have made an arrangement to pay a reduced amount on. This was 6 months ago. I have kept to the arrangement and the debt has been passed inhouse from Barclays to Mercers to Calders. So far so good. I have maintained the agreement with them and it seems I am one of the lucky ones and they…
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manic spending and debt
...This is me, I have become a manic shopper over the last few years...was diagnosed as Severely depressed some years ago...but have developed this manic tendency since...last week I bought 14 bath gift sets off ebay ...dont want or need these really...have just donated them to the womens refuge...thing is I spent £97.00…
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Not sure this makes sense - re paying CC off!!
Hi all! Hoping for a little advice! I have 2 credit cards: 1 = £600 @ 30% 2 = £2200 @ 40% :eek: Anyway at the moment I'm throwing all spare cash at them and prob clearing between £250 - £400 a month. I was wondering whether it made sense to clear this off card 1 and then transfer some of card 2 over as its a lower % so…
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At my wits end!!!
Hello everyone hoping some advice can be giving here,im getting myself in such a state,i have debts of 45,000,spoken to ccc's who went through my soa with me and sent me the pack about a month ago,i have 11 creditors mostly credit cards and a couple catalogues,letters,soa,and creditors list and prorata payments been sent…
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fresh start
I went to live overseas just before my 30th birthday i'm now 37 i must admit i left some debt. I came back to this country over a month ago due to my dads death and i'm staying at my mums. She's wanting me to stay longterm as i'm her only child. If i do i need to get a new job a bank account etc thats the background my…
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Reducing Credit Card Interest
Has anyone on here had any experience in asking their Credit Card Provider to reduce the interest being charged on their card? And if so, do they have a template letter? I have been administering my own DMP and up until recently had an arrangement with Egg to allow me to pay a reduced monthly amount and they also stopped…
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financial debt helpline
Has anyone heard of this company. They have contacted my mum and taken all of her details. I have done a Google search and came up with nothing. :eek:
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Advice with Tesco debt
Hi all some quick advice needed please. I used to have debts of over 35000 but after selling my share in a house paid off all but 12000. I paid off 1 creditor in full as they were being the most unhelpful. After this I had 8000 left with Tesco and was able to restart paying the loan back at the normal monthly payments of…
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Friday 18th 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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Catalogue Debt
I have been struggling to manage my catalogue debt accrued about 3 years ago, but every time i start to make headway, write to them offering payment I get no reply as debts keep getting sold on and this has happened so many times Ive lost count of how much I actually owe it started off at 300 spread over a few on line…
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Debts have got to go!
I have been trying to get myself debt-free for a long time. Nearly made it a few years ago but then had a baby (now 4 years old) and fell back into the quagmire! Last summer I was made redundant. Although I found a new job immediately it is half my old salary - still getting used to that but covering all the necessary…
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Making an offer on credit card debt
Hi I am new to this but I am hoping you might be able to help me! I have a number of credit cards which I am hoping to pay off in full in the next month or so. A friend told me that I should make an offer of around half to the card companies involved. If I did this would it affect my credit score if they except? Thanks in…
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HELP!!!!!!!! please
:( :( Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 3,284.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Housing benefit advice
Sorry guys another question, this is what happens when you go on a quest to get your affairs sorted out! Housing benefit. After several months of arguing we have eventually convinced the housing benefit people that we DID inform them that my wife finished work on Sept 9th 2010. (We believe that they listened to a recorded…
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Unspecified Bailiff fees
I returned from work today to find a "Notification of Bailiff visit" regarding my council tax from a previous property (I missed acting on the liability order by a few hours, I called to arrange a payment plan at 6pm and they said had sent it to Bristow and Sutor bailiffs at midday). The debt is for £225.39 (£122.39 unpaid…
