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Grocery Shopping
Right I need some Help Posters.. I have returned from Tesco for the second week running with a £100 shop. :doh:this week I planned all our meals, no luxuries, no alcohol not masses of cleaning stuff. I need to get this down as its not sustainable in our new DFW lifestyle. but try and I might I can not manage. Maybe we just…
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CCJ and late payment charges.
I have a ccj for a car I purchased through finance. Towards the end of the agreement I missed a couple of payments which has resulted in a default and a CCJ on my credit file. I have the report of all the payments and the amount that was deemed to be outstanding which is different to the amount on the CCJ which I have…
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My SOA need help
Here is my SOA I have had my head in the sand for a few years now and need to change things..... Household Information[/b] Number of adults in household........... 1 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 4000…
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DMP Why are we doing this? Rant!
Millions of Britons are up to our eyeballs in debt. We want to pay back debt. We want to be debt free. We realise we cannot cope and have the light bulb moment. We cut everything back to the bone. We work are !!!!!! off (if we don't get laid off that is). We pay back and pay back and pay back. In return we get... The banks…
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Help with old Debt
Hi Sorry to bother you guys who must hear these questions all the time!! Anyway, I have recently had contact with Lowell. They sent a letter saying I owed Nat West £1100. This was an old debt from around 2002 so I sent the Statute Barred letter. Anyway they have replied saying that I made a payment toward the debt in 2006.…
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Budgeting Advice
Hi Everyone, I'm looking for some help with budgeting if possible? I have a job which has quite a low salary (500 per month as a Martial Arts Instructor) which is LITERALLY enough to just pay rent and bills (not including food). I earn extra money teaching private lessons. I get 30 pounds per hour and if I'm lucky get 4…
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unable to repay CC and overdrafts:(
Hi I have recently changed banks. LloydsTSB to Halifax (to try and get a better mortgage). I had with LLoyds, 2 accounts both maxed to £1500 overdraft. 1 CC £15000, and a loan £13000. LLoyds have just cancelled 1 of my overdrafts and now require £1500 within 2 days ( I have already had their collection people on the phone…
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After how many years can debt be written off?
I unfortunately had debt of £11k when my husband got made redundant we could no longer afford to repay debts,he was out of work and I was pregnant...buried head in sand..tried to juggle everything but missed payments and creditors added charges/interest pushing debt to £19k. Went to Citizens Advice finally,they were…
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Miss a payment to creditor on DMP?
Hi all, I'm a newby on here so please be gentle!:) We have been on a DMP with CCCS for 16 months. Our main creditor is LLoyds. We have a loan, two credit cards and two overdrafts with them. We have sent loads of letters to them asking them to freeze the interest but they have refused everytime. Our loan is the biggest debt…
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Bank keeps ringing
Evening,LloydsTSB are always ringing.I think ringing at 6.40 on a sunday evening is out of order,is there a time limit that they can ring up to?Many thanks.
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advice re rossendales and council tax
Hi first time posting as I'm not sure what to do any more, On tuesday I received a warrant\liability order with 24 hours notice of payment, I already have a arrangement with rossendales of which I am paying weekly as I got a few accounts passed to them when I was on low hours\maternity allowance which I didn't know I had…
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Free credit report
Where can i get a free credit report? Can i not get one from my bank? I know Experian and Equifax do them but i dont like the idea of signing up for a free trial. TIA
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Newbie's Statement of Affairs and Personal Balance Sheet - anyone interested...?!
Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 0 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 2500 Partners monthly income after tax....... 0…
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help understand my credit file
hi all call me thick but can you help me understand my credit file pls ive a old debt on it which started on file 2004 ,is it dispute over payments when was ill no payments have been maded for 3 yr ,says on file just late payments no default? thing is the creditor has sold debt to management company but file is still…
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county court summons for ceased sole trader
This may not be the best place to ask, but its worth a try. I have received a county court summons from screwfix for £180. It is for a business credit account, however the business never officially started trading and has ceased completely for the time being. I am unemployed and on jsa, so I was thinking I should submit…
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DMP help!!
hi, this is my first post here so please forgive me if it is in the wrong section or has been asked a million times before. myself and the wife have got ourselves into a bit of a pickle with our finances and really want to start getting to grips with the debt so that we can start living again! we currently owe around 26k…
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Payplan & debt collection charges
i have been on a DMP with payplan for five years now , i checked the Justabank site yesterday to find out how my plan was doing i was shocked to find that my debts had hardly decreased at all in fact 80-90% of all my payments over the five year period had gone on debt collection charges , my debt problems will never be…
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Weekly Spend Challenge W/C 6th March 2011
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Need Anyones Advice On Clearing My Joint Loan
I divorced from my ex 3 years ago and the ex kept the house and everything. We had a joint loan together from Halifax of about £5000.All the repayments were being made through the ex's bank account.It has now come to light that the ex went bankrupt in 2009 after the last payment was made. I recently received a letter from…
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Quick Debt Question
Hi all - just a quick question... What are the differences between trust deeds and the debt arrangemet scheme? Do they both ensure that your mortgage and car will be safe? Thanks in advance
