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Im in debt. How embarrasing? and scary!
Hi After pulling my head out of the sand I am finally attacking my debts. We have debts that as a family we cannot afford to pay:( I have unsecured debts of £26000 with LLoydstsb (£15000 CC, £8000 loan, 2 x £1500 Overdrafts) = £700 monthly payments My wife has £3000 CC with LLoydstsb.= £70 Monthly payments I also have a…
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close bank a/c and pay off overdraft
hi folks so this is my problem..... i have an overdraft with halifax for £1700, i never get out of it each month as i have just changed from working full time to part time. halifax charge me £1 per day so i get charged at least £30 per month. i just cant seem to pay any off, and i dont see the point as they will charge me…
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spent 1700£ on paypal on gambling site
i got so messed up i kept depositing hundreds and losing within minutes in 2 days i deposited 1700£ on paypal to ladbrokes and played poker i was given access to these funds instantly to gamble with without them even being cleared by my bank i do not have 1700£ in my bank to cover these charges, i am 20 years old, jobless…
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NPower - About to apply for a Warrant;
Hiya, Having sorted out my Rent Arrears / Housing Benefit, I now need to sort out my next Priority debt; my Electric arrears owing to NPower. I owe them £906. The stage I'm at now is that one of their engineers is due to come out tomorrow, and replace my standard 'credit' meter with a 'prepayment' meter. They were going to…
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Experian credit report incompetance
Several years ago I ordered a statutory credit report from Experian. I think I had to phone them at the time because my address was a bit non-standard. It was quite straightforward and I received my report a few days later. However I tried to order my credit report from Experian's web site again in January 2011. My address…
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Not sure how much more I can take...
I've been on my debt clearing mission for a while now and don't feel like I'm getting anywhere. I hate my job but feel so trapped while I have debts. And this week has just left me feeling so down. I need new summer clothes and can't afford any. Need new work shoes but begrudge paying the prices for them. And just had a…
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Credit cards help needed.... 19k approx debt
OK my situation £8800..Virgin Money CC............... 0% ends in April £10700.. Goldfish Barclaycard........... 0% ends in March I have been on the fone to both of these cards today to find out exactly when my promotional rates expire, once they do end i will be paying VIrgin Money......1% of the balance plus interest…
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What is a Payday Loan?
Sorry if this is a 'basic' thing that most people know lol. I've read many talking about the 'Payday Loan' Trap and was wondering what it was? Is it just about a loan coming out on your payday?? Rachel xxx
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Rent Arrears
Hello, I'm already a member on here, however I'm absolutely mortified by the mess I've got myself into so had to sign up to post this anonymously. Basically I've found myself in a real mess with rent arrears and could use some advice to find my way out. I wont make excuses for why it happened, I know why and I've put that…
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Guys & Girls, what is a DS? DH? DD?
Sorry to sound stupid but I am guessing kids? I know what an OH is (other half) but I come across these abbreviations and I can only assume people are referring to their children??? ie: Me and DH or Me and the DS or My DD and I.... Help? :)
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Understanding Equifax Report
Hi, I hope someone can help, we've recently cleared my wifes debts and have just checked her credit report to see that everything is as expected. I have a couple of 'concerns' firstly Caboot, They sent us an email in January to thank us for our payment in full and final settlement. Looking at the credit report the last…
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Direct Legal and Collections Problems
Hi, Im having a few problems with these people. I had a car loan with Yes Car Credit from 2005. I had difficulties with paying the loan when i lost my job. In 2006 they took the vehicle back which i asked them to do and i agreed a reduced settlement with them. I paid £366 on 01/11/2006. to them then a further £1,000 on…
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Spot of advice, partners finances
So been with my partner for nearly 2 years now. She is recently divorced and has debts of approximately: £5000 Virgin Credit Card £3000 Tesco Credit Card £10,000 Santander Unsecured Loan £3000 Lloyds Tsb Overdraft £2000 Solicitor fees @ 0% To be perfectly honest despite my advice for the last 2 years she has basically…
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Paying off debt but being forced to increase payment..
I wonder if anyone can offer me some advice! Basically, when I was a student I maxed out a bank account - lived off cheques and spent my wages on booze, the usual. I have been paying back the bank (Natwest) for around 3 years now. The original rate that i was paying was £9 a fortnight, as i was only working 16 hours a week…
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Credit card help
As I have posted before I don't really want to enter a DMP. Would it be wise to contact credit card companies direct and ask for help with payment options. An idea is to ask to pay say 50 or 60% of monthly minimum payment and ask them to freeze the interest for say one year. Is this the type of thing they do? Also if they…
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Looked at Experian report & need advice please
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Default timeline
This month I have finally become debt free. :j In July 2007 I defaulted on three credit accounts when I split up from my ex-wife. With the help of the CAB I wrote to the collection agencies and explained my circumstances and arranged affordable interest free monthly payments. I paid the first one in full in June '10 and…
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Open University, statute barred after 6 years or special rules?
In 2000 I tried to study with the OU, but was made homeless half way through and so ended up not being able to complete it. I think they were chasing me for unpaid bills at the time, but I'm not sure because I wasn't getting my post and in the process of becomming homeless lost all my OU paperwork. I just had nowhere to…
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my soa. please help me
Hi i have on advice of cccs and nat debt line got an appt to go br on 22 march, my hubby went br 3 yrs ago and due to a !!!! up at the bank a loan which we were told was only in his name has now been tied to me and there is no way i can pay it off. Am trying to fill in forms but am unsure of what contributions I should put…
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Switching to interest-only
Hi! In a final attempt to get to grips with paying off our debts and whilst we're benefitting from a low standard rate mortgage interest rate, we were planning on switching to interest-only for a couple of years. My partner and I both work in local government (and have done for approx. 20 years) and so were planning on…