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Being chased by debt collectors
Hi there, I am new here and a little confused, wonder if anyone can offer any advice? I have debts.....lots of debts. They were all manageable until hubby got made redundant 18 months ago and been out of full time work since. We set up a DMP with CCCS and that has helped a lot, however, we have 2 debts not covered with…
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Doesn't paying it off feel good???
Hi everyone, Like many others I lurked on here for quite a while, thinking 'oh I really need to knuckle down and pay off my debts', so when new year rolled around I resolved to finally do just that. I owed: HSBC Graduate overdraft £1500 Capital One credit card £1,250 Virgin credit card £1000 Anyway three months on and…
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Stopping a catalogue account
Hi all. I think it's my first jaunt on to the DFW board:j My OH and I have an account with Very catalogue and we are looking at paying it off.....only problem is I found out in the past week they are charging us 49% interest:eek: I never realised it was this much and want to get rid of the account...but we have over £1k…
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Going it alone....
Hi all So in a nutshell, I'm up to my eyeballs in debt but have always been able to make payments. Circs have changed and although I can pretty muh pay them I ave nothing left, even for food most of the time. So as much as I don't want to ruin my credit rating I think it's shot anyway. After much thought I finally called…
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Settled accounts
Hi guys, Wondering if you could help. I got myself into sone debt a few years ago and I was stupid to just leave it leaving defaults on my credit file. I have now started to pay DCA's, which is making me relax more knowing that I'm doing the correct thing. Will these show as settled on my credit file and will the default…
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Old loan driving me mad!
I don't know if this is the right place to post - but here goes. I took out a loan with Lloyds TSB/Blackhorse back in June 2006 for 6K. The repayments were £149.55 per month I payed these repayment for 30 months. Then I had to have an operation - so an agreement was arranged, where I paid £35 for 3 months. I then paid…
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Shocking Myself Straight
Although I have most definitely had a true LBM now, I only wish it had happened years ago. I have been going through some (previously unread/cursory glanced at) statements and analysed just one of my many cards - in the last 12 months I have been paying MBNA around £200 a month (minimum payment) and paid off just £82.50 of…
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Direct approach to credit card companies
I am struggling to pay back my credit card debts and am considering a DMP. I am trying to avoid having to do this if I can, so am considering approaching the credit card companies directly to see if they can help me. Has anyone ever done this and did the companies do anything to help, such as freeze interest or reduce…
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old debt , Akitiv Kapital
hello all, i stupidly agreed to pay and old debt last year, not knowing the statue barred rule, the debt was well over 8 years old and was for quite a bit of money, 7 grand to be precise, i didnt know the rule so stupidly acknowledged the debt and began a repayment scheme, it was activ Kapital that has bought the debt.…
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Advice on where to go for help?
Hi Hope you are all having a lovely weekend :) I'm just wondering if anyone can give me some advice on where to go for some help. I'm around £5,500 in debt. I suffer quite badly from depression and anxiety and due to a lot of things I'll go on to describe it's been getting worse lately. I've just lost my job, my whole…
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Defaults
A few years ago, I got myself into a bit of a mess with my finances and defaulted on a loan. I am now trying to improve my credit rating but obviously it is bad because of the default. Is there anything that I can do with regards this default to improve my credit rating? How long will this appear on my credit file? I have…
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Help offered - too proud to accept
My in-laws have offered to write a "blank cheque" to pay off our debt (circa £20,000) so we can have another baby and to help me with my mental health issues. They say they don't care how much it is for and if we want to pay them back we can but they don't mind how and when or even if at all. I, in theory, should be over…
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have a good dayxx
would just like to wish all you mothers out there a very happy mothers day xxx:):):)
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Need Debt advise
I have been enrolled on a debt managment repayment scheme now for 4 years. This works well for me with my montlhy income as it is currently.. My concerns are that i have a debt of 90K and i am currently paying back £170 pcm.. i have 2 charges agaisnt or secured on my house which basicly takes away every penny of any equity…
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Paying off Lloyds TSB Overdraft
Morning everybody, I have googled and searched the forums for the answer to my question but can't seem to find exactly what I am looking for.... After doing a snowball calculator thingy I am currently paying off my credit cards and should have paid them off (if things go to plan) in 3 months :D The next debt I need to…
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6 year old debt!!
Hi just trying to seek some advice - i have lots of small debts outstanding from my years as a student and slowly starting to pay them off. Only 2 of the debts were with Halifax - i contacted them approx 4 years ago for details of both to arrange repayment they informed me they only had one account outstanding! However…
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Default Removal - very confused
Hi, I need some help please. I have been working outside the UK since July 2008, and my flat has been tenanted with a Letting agent under Full Managed Service. I have recently discovered that my Mortgage Lender (ML) has defaulted my account since June 2010, even though I have never been late on a mortgage payment. It turns…
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Advice on my SOA
Right have now done an SOA......... Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after tax................ 20 Partners monthly…
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Please soooooo far ....
Hi all I stared my journey on the 23rd March I was lucky enough to have a very good friend help me go through every thing. Well in the last 10 days I have stopped drinking Pepsi and have saved a minimum of £15 !!!!!! (I did drink quite a lot !!!!):o I have also swapped 2 cards on to 1 with 0% interest so that has saved…
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First Direct - big bullies
Hi, Just had another threatening letter from First Direct and just wondered if they were as heavy handed and scary with anyone else. Have set up a DMP and most companies have been pretty good. First Direct however just seem to continue to try and put the scarers in me. They didn't accept my DMP and wanted more, and now…
