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Advice on money dilemma
We have approx £14.5K debt. I did our finances yesteday and we don't have a huge amount of money to chuck at the debt every month (maybe £300 at a push) so it will be a long time before it gets paid off. I am expecting baby number 2 in September and we will be okay until my maternity pay runs out in June 2012. I really…
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Halifax froze my account!
Help! I've just gone on a dmp with the CCCS and they've notified all our creditors of the monthly payments. Up to now I havent actually missed any. Halifax have instantly cancelled the overdraft off the account meaning that any money that goes in gets taken off the overdraft and we can't get to it. Salary is going in there…
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selling my items on ebay(a guide?)
not sure this is the right place to post but i am looking to start selling on ebay this weekend. i have always bought off ebay but very rarely sold items i have an acer laptop and a boxed 8900 blackberry curve. i have already looked at completed items and am amazed how much these items are fetching. i must stress my laptop…
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Returning Old Timer - How are we all doing?
Hi all, Some might remember me from a few years ago - had a diary called 'one woman, 1 toddler and a whole lotta debt'. I managed to pay everything off (£32k), but life being what it is I'm rejoining the Frugalites. The husband has been made redundant and whilst not back to the same level it was - small things like credit…
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Advice needed please. Loan not covered by CCA?....
Quick synopsis. Messy divorce 4.5 years ago ended with house being re-possessed. Two mortgages on it. 1st one paid off in full by sale. 2nd one (Endeavour Personal Finance) left a debt of £47,000. I need to be honest and say i have been ignoring it (head in sand). Restons Solicitors have written saying they want a payment…
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Sat/Sun 25th/26th June - What small things will you do this weekend??!
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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Do Pay day loans decrease credit rating?
My partner and I have a really low credit rating. He has one star out of 5, and a score below 500. He has not missed any payments for nearly two years, but was late on a few about three years ago. Theres no defaults or CCjs. So why is it so low? All we can think ,is its because he has taken out alot of pay day loans over…
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I dont know what to do!!!!
:o Please could someone advise me, I dont know whether to walk away or try and salvage whats left of a mess that I`ve created through making wrong decisions. To cut a long story short, I decided to go self employed just over a year and a half ago without thinking things through. I became very busy overnight but for the…
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looking for advice
This is my first post - with the site being highly recommended. I am in a state of shock, just found out, my now ex OH has applied for and got a 4k overdraft in my bank (online banking) and spent it! Stopped the DD for the mortgage months ago and was paying via telephone with my DC. He duped me into handing over the card…
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Council Tax Arrears
Hi all, I've asked this question on the DRO part of the board but they suggested asking on here. Basically I've got behind on my council tax and owe £291 to my local council. It went to the court in April 2010 and a liability order was granted against me. The council somehow put a levy on the set of cheap golf clubs I had…
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Disputed Debt - Can DCA still pursue? Template Letter
Hello, Quick Q... My friend has asked me for help in relation to a DCA pursuing her for debt. Long story short - the debt is hers however she has a fairly good chance of disputing (gym membership - they completely messed the whole thing up, lost loads of paperwork and refused her a membership without redoing all…
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Blinded by science!
Hello all, I wonder if any of you good people can help? I have 3 separate debts I would like to pay off in one go with a cheaper, easier payment per month. I have read through the loan/credit card tips but must admit I couldn't make head or tail what was going on! When it comes to finance or anything vaguely mathematical…
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dmp question?
hi there, i have recently had a pay rise :j and so need to do a review on my dmp and increase my montly payments. current monthly payment at mo is £286 which is split as follows:- barclays - £186.13 (18,983.86 o/s) mbna - £39.04 (1,939.48 o/s) freemans - £60.83 (606.25 o/s) I think my new monthly payments will be in the…
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Robinson Way Advice
Hi, Let me start by saying I'm an idiot and I know it :-) I was living abroad and in that time kept making payments on a Cap one credit card. When away the debt got sold to Robinson Way. I only know this now as when I came back I called Capital one to check the balance of my card was cleared and they told me I was 2K in…
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Help me with a debt i owe please
Hi everyone, I come to you all after advice regarding an amount of money i owe to a company as i simply have no idea what to do and am so stressed with the situation that i dont know where to turn. I am hoping people here will be able to help me sort this out. Ok, so I took out a payday loan with a company approx 6 months…
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Egg loan - moved to Moorgate
Had a letter from Egg today saying my loan with them is being transferred to Brittanica Recoveries S.a.r.l acting in the name of and on behalf of it's compartment Moorgate (Brittanica-Moorgate). It says this has been 'following recent discussions' - I'm assuming they are taking over all of Egg's loan accounts, as I haven't…
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Help! Can HMRC make me pay 12 months student loan in one go?
This is a bit long and messy, but I'll try and get it all down! When I started my job back in 2008, it took them several months to start making deductions for my student loan. I'd been paying in my last job, and I thought it might take a while to sort out, but when they hadn't started 9 months later, I hassled the payroll…
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I don't know what more to do - please help
First off, please accept my apologies for the length of the post - the history is long and I thought it best to explain fully so that anyone may be able to advise. The problem is my Dad who is 64 and lives 300 miles away. My Dad is an only child and was spoilt by my gran to the point that he really doesn't know the value…
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Help - My Husband is a Wally
Hi Hoping for some help, but first a bit of background. 2 years ago our bank wrote to me to say that as relations had broken down with the other party on the account ie my husband, they were withdrawing our overdraft and closing our joint account. I paid off the joint overdraft and moved the banking elsewhere. I also paid…
