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hours going to be cut
hello wondered if any of u kind people could give me some advice. my hours sound like they MIGHT be halfed at work from 40 per week to 20 this will half my income. i currently pay cccs 776 pm and have paid off 27900 off my debt so far. im worried that im not gonna be able to afford to live let alone afford my dmp does this…
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DMP Question
Hi everyone, this might be a really silly question....but i'll ask it anyway!!! If married and some joints in my name, some in husbands and one joint loan, could one of us do a DMP but leave the other one continuing as normal, to hopefully minimise the effects on our credit file? Sorry, this may be stupid thinking, but…
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tv licence fine
Hi everyone I have just had a TV Licence guy come to the door and give me a caution. My mum has always paid this for me but apparently she has not paid it for about 18 months. I can't talk to her about it because she is abroad, I realise I'm an adult and should be paying for this myself or at least making sure that it has…
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Lump sum Debt repayment offer
My ex wife and I owned a house which was reposesed during the divorce. This resulted in a mortgage shortfall of around 13k. I managed to talk the lender into reducing my liability to 50% of the balance since the property was jointly owned. When I asked about how to go about paying it off, they wrote to me and said that…
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on our way into the red
Dont even know if this is in the right place! background history: Fella has PC repair/health check business for personal and busineses. Was doing well, then went to doing 'ok' because several business cutomer went bankrupt with current climate. He relocated to be near me - we getting married in March, with plans for him to…
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Debt advice
Hi. Help i'm currently on a DMP but am constantly being called by various companies to change to an IVA. My debts are about £14,000. I am currently trying to get my business up and running and need to move house in the near future. Will being on an IVA affect me more than a DMP.
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Debt collecter
I am being chassed by a debt collecter they are called daniels silverman and they have ent me a nasty letter saying i will be brought to court if i dont pay. I have offered them £5.00 a month but they have rejected. Does anyone know what happens if this is brought to court?
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Really need help - DMP advice
Hi everyone, I have been reading this forum for a long while, but only just had the guts to post. I have 2 young children, before i got married and had kids, me and my partner where bad with money, we racked up debts and we then got a huge mortgage and now we are in negative equity. We are stuck. We were fine but then my…
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Old council tax debts and bailiff enforcement
Not sure where this should go, but there's many helpful people in DFW so this will do for now. However moderators should feel free to move it if appropriate. A friend of mine called me just as I was leaving work tonight (around 4pm). She was at home on her own, and had a visit from bailiffs with police accompaniment…
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Really in the poo
I owe HMRC £11500 in income tax, having been in massive debt while self employed and not putting money aside for this. Of course they need paying, and they're putting pressure on to get caught up. I can't get a loan, my credit rating it screwed, I really don't want to ask my family - they don't have the money but might be…
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My SOA
Hi; I have spent some time writing my SOA, it doesnt make pretty viewing but I thought I would open it up to the community, to hopefully get some positive suggestions on ways forward. The main issues are; I recently lost my job, I have an offer for a new one but at a much reduced wage (I could try and hold out for a better…
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Had a stroke of luck today and thought this might help someone else...
Basically, while I'm a stay-at-home-mother to my 3 gorgeous kids, I am also climbing the proverbial walls so to speak... As I left school before even achieving my A-levels, due to a teen pregnancy, who is now nearly 9 years old - I am not ina position where I can work and qualify for a decent wage. I thought, as I'm off…
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Shop Direct Finance / MKRR / MKDP LLP
Hi there, My wife has just had a second letter from MKRR asking for money which she wasn't aware she owed. It's in her maiden name so it must be a few years old, if it actually exists. I've read a few other posts here which suggest sending the "prove it" letter which is knocking around. My question is, should we send the…
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Help required to stop agent coming to the door
Hi, I owe £255 to a loan company and even although I have informed them I am working with Payplan (I have several other debts) they have informed me that an agent will be calling at my house in the next 3 days. They claim they have recently tried to contact me on a number of occasions but all I have had is 1 sms message in…
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Kids b-day parties....
Hi all, I am looking at organising a birthday party for my little girl who will turn 4 in feb. I have found a place in our town which does princess parties for a set price of £165 for 12 children :eek: which compared to a soft play centre in the town is about £5 more per child and they don't provide snacks in the price!…
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Spend more and save money?
There is an old adage "If you spend more on something it will be cheaper in the long run". But in today's consumer society does that still hold true? The cheap vacuum cleaner, fridge, microwave, washing machine, TV, video and sofa that I bought in 1995 when I moved into my flat are still going strong. Evidence that cheap…
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Claiming a personal debt
Not sure if I am posting this in the right section, but here goes! I am in the un-enviable position of having to try to enforce repayment of a personal debt of 6k from an erstwhile friend. All attempts to communicate and come to some arrangement have failed, and believe me I have tried. I am struggling to pay over draft…
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Collections at work
How do you politely decline to put money into collections at work? Don't get me wrong, I would love to contribute but right now I don't have the cash spare from my budget and to me at this moment, clearing my debts is priority number one. It always seems to be something though, charity collections where they make an…
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Offer we can/can't refuse
Background information: My OH and I live in Essex (an expensive part :( ) and live in a privately rented property. It is a 2 bed detached bunglaow with building potential and a good size garden. We rent the bungalow from my aunt who bought it in May 2009 for 143000. It was on the market for £179000. A similar semi-detached…
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Obtaining Credit with An Arrangement to Pay on File
Hi, Wondering whether anyone has any experience with obtaining credit whilst having an old arrangement to pay on file: What type of credit obtained: Which Lender: How Long after account closed: Any responses would be great :)
