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Charging order on the house.
We have a charging order..was pushed through very quickly by Link Financial. Question is since they were granted the charging order they have carried on the same interest rate as prior the charging order. Question is can i stop them adding interest at 23.3% (£101.25 monthly)..we (myself and the wife) went bankrupt…
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Advice Needed, Thanks
Afternoon all. Just wanted other opinions with a problem I am having with Wescot who are chasing money up for Sky. I received a letter saying if I pay £52 then this account will be cleared, I paid this and they are now sending letters saying there is £71.50 still outstanding. I wrote to them 3 times and all I got was…
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Cccs dmp?
Hi everyone :) Thanks to everyone who replied to my last post on RBS Credit Management Services. Just wanted to know if anyone has used CCCS Debt Management Plan service and if its good? I recently lost my job and my only income now is JobSeeker's Allowance. I've written to my creditors to let them know I won't be able to…
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Determined to do it this time!
Ive been lurking on here for quite some time and am amazed by how well some people are doing with paying off their debts. Im in need of some motivation and some help to succeed myself :) Ive tried before and always end up finding something else to spend my money on, but this time i have to do it! I have quite a good job…
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Defaults while on reduced payments
I just got a free Experian credit report just to check that everything was as it should be. I was really shocked to see that I was noted as 'defaulted' on a credit card debt for months and months. I got into a bit of a mess back in 2009 and missed some payments on my credit card which had a balance of about £1500. It got…
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DMP MBNA question
Hi, i have completed a DMP myself, all my creditors have accepted accepted MBNA who haven't made a decision yet, what surprised me is my other creditors are owed much more that MBNA ( mbna personal loan of £850) yet MBNA have done a full credit search! I also have credit card with MBNA will that section also do a credit…
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CCCS - DMP - Hire Purchase?
Hi there, Me and my husband are about to enter into a DMP with CCCS after many many years of burying our head in the sand and struggling for a while, we feel now that this is our only option. They have advised us that we should be debt free within 2 years 8 months. Which doesn't seem too long thankfully. One of our debts…
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Advice please
Hi all. I desperatly need to increase my income. I have a mortgage and kids between 11 and 7 and debt of 50,000 on top of this from my ex husband. I have been slowly clearing the small debts, i have been with the ccc's since my divorce in 2005. However due to a change in income i now find myself really struggling. I don't…
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Joint or individual ?
Hi I have recently been given a Debt Releif Order but hubbys DRO was sadly refused (long story). Hubby stopped paying his creditors back in November last year when we started talking to the advisor from NDL and putting together the paperwork etc to submit applications for a DRO. Anyway NDL advisor now recomends we start…
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Voluntary Repo and Housing Benefit
Hi Is anyone able to advise on whether or not we would be entitled to claim Housing Benefit to rent a private property if we go for voluntary repossession? My OH and I are unable to meet our mortgage payments and Santander have said tough there is nothing they can do. I just want to know the best course of action. I have…
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Bank Holiday Monday 25th April - 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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Need help - things getting on top of me!
Hi I was advised by the lovely people on the families board to post on here for advice. I'm a single women, running a house on my own and things are getting on top of me now. I never seem to have any money left at the end of the month and always seem to go in to my overdraft. I've tried cutting right back, I very rarely go…
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Council Tax debts
Hi all, I have begun receiving Council tax bills from, as far as 6 years back. I moved house a few years ago when I was making payments for my first house. I'm too scared to open the letters, but did open one and it is for 1440. the letter only states that its from a previous adress but not what dates. before I ask for…
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The start of a long process
Hi everyone This is my first post but I wanted to share my situation and hopefully get some support on my new journey. Basically I have been burying my head in the sand for the past 8 years or so. My problems started when I had to buy my house back after splitting with my ex. At the time it was before the property crash so…
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a new start... hopefully!
Hi, just hoping for some advice - Trying not to do a long-winded explanation so basically through my own stupidity have going myself debt, prodominantly online gambling. (The snowballing affect of losing a little bit, then trying to get back what you've lost, etc etc). This has been going on for about 4 years. I have 4…
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Barclaycard and Virgin Money Credit Card Debts... 19.5K total
I have been reading this site for quite some time and am still amazed at how many people there are in exactly the same position as me, before i found this site i believed i was unique in my credit card failures! ok briefly....... I am married but am 100% owner of these debts so although i contribute 50% to the household…
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summons for non payment of council tax
Hello, 2 months ago I received a bill for a council tax from 2005-2011. There is quite a sum - £6000. As me and my wife have been living here all those years, we were paying rent to our landlord each week, which is all-inclusive, as the landlord promised us. So, we went with that bill to our landlord and he told us that he…
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Freezing interest on loan
I have posted on here before regarding the interest on my loan. Unfortunately - I got a lot of abuse - and was told to post on the Debt-Free Wannabe - where I would receive the sympathy I needed!!! I do not need sympathy - just help. I have written to Lloyds - to ask them to freeze the interest and they have said no. Is…
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Nationwide recovery services
Hi Does anyone know if these are an 'in house' DCA or do they buy debts? My DH has had a letter from them about a debt which has been passed on by Black Horse. Any info gratefully received, Thanks. Edit I've been over to CAG and it seems that these people could belong to Black Horse.
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Free!
After almost 4 years in a DMP with Payplan which started with 8 creditors, I am down to 2 creditors (neither of which were defaulted), I have just exited the DMP... Woo-hoo! :) With monthly commitments of £1,700 to creditors in the DMP, my contractual payments are less £300 per month to the 2 remaining creditors but I have…
