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Payday loan help please
Hi i am hoping to find some help please. I took out a payday loan a while back and got myself into a bit of a mess with them. I have realised how stupid i was because i would then take out another and another to help pay back and now owe a lot. I have managed to set up payment plans with them all apart from one which is…
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Debt snowball Balance order or Interest rate - what would you do?
Right, have just sat and gone through the snowball calculator and if I snowball my debts by interest rate I will save around £200 but it will take the same amount of time to pay off as if I pay off my balances in order of size. Now part of me says "Save every penny you can" (particularly as I will be a student for the next…
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Need help with Gregory Pennington - Newbie
So......been with gregory pennington for about 2 years.....they seem to be messing up my payments (every 3 months ish) I'm now paying over £40.00 a month for their service, which was good for the first 2 months!!! I'm paying £115 a month and less than 2 thirds of it is going on my debts. I'm really scared about changing…
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Need advise on what to do next
:( I have debts amounting to around £8,000,These are from a car that I have yet to finish paying for,utility bills from previous properties I have lived in,and catalogues.Letters are arriving daily and the phone calls are increasing.I am totally stuck as what to do next.Im unable to get any credit,tried numerous credit…
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Advice re guaranteed debt requested
This is actually a for a friend who has a terminally ill husband. Several years ago (she is not sure how many) he guaranteed a contract for his daughters phone, Recently they received a letter from a debt collecting agency for an outstanding debt. This is the dirst they have heard about it. She rang the company who redused…
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credit check ??
looking for a bit of advice about a credit check from a estate agent that my daughter wants to let a flat off .. they have asked us for £150 to do a credit check but daughter is worried that she will fail as she got a sim card only deal for a friend in her name and her so called friend has not paid a bill and now they have…
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I just need to say . . .
That on Friday will be my last payment to Welcome Finance. My last payment.... After five and a half years long hard slog I am finally nearly there. I feel like I have run a marathon with a huge anchor on my shoulders... can feel it slowly slipping off my shoulders and it's about to slide right off into the sea this…
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Remortgaging with arrears on 2nd loan: Advice needed
I did originally put this in the Mortgages & Endowments section, but I was advised to post it in this section instead.... I live on my own & I have a mortgage with about 13 years left to run on a house that’s worth about £80k-90k. I owe about £29k on it. Interest rate is about 5.6% I pay about £260 a month this is up to…
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Best ways to get rid of cold callers!!
Well, I don't know about anyone else, but I am getting sick of being called by people trying to sell me stuff, so I now make a joke out of it, find news ways to get rid of them! I have a few! The first is, in plain English state....I am sorry I don't speak English, this confuses the hell out of them and every time they try…
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Brightouse
I had thirteen agreements with Brighthouse that will be down to two in October and the other two will be paid in October next year. I keep getting phone calls telling me I can get £40 off my next order and my last payment will be paid off for me. I keep telling Brightouse I am paying them off but they don't listen and keep…
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Judgement against me 'Payment Forthwith'
I recently had a CCJ from Northampton County Court for £6242 owed to Lombard. I admitted the amount owed and completed a Income and expenditure form which showed that i had an income of £739.00 a month and outgoings of £1751.00 per month. and made an offer of £1.00 a month with the court accepted and I have been paying…
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What do you plan to do in the future when you're debt free day arrives?
Let's play a game - it's almost along the lines of 'what would you do if you won the lottery' - except it's not winning the lottery, it's even better, it's your DEBT FREE DAY!! My long term plans are to save some serious £££s for my three children and to also start saving for a deposit on a house - and to then make…
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Debt Free at Last!
Hi, After six long years I have finally become debt free thanks to the CCCS and the support of this forum. Just popping on for a browse around every day would help me to understand that I wan't the only one and there was indeed light at the end of the tunnel. It is always heartwarming and encouraging to read when people…
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what's the best way ...
this is a question I've asked on the budgeting board, but just as apt here. Would have posted the link but as I'm new it won't let me. I really don't know the best way of doing this, have tried all sorts but nothing seems to really work. So thought the regulars on here may be able to give me some ideas. I need to find an…
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legal services commision
hi, just a bit of advice please , my mom got divorced in 1981, she kept the house and the mortgage was paid off , this morning 23,8,2011 ,30 years later she has recieved a letter from legal services commision say she owes them £1136.94 because she recieved legal aid and chose to postpone her payment to the solicitor and it…
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how to manage treats etc
Hi everyone, I've not posted here for a long time, mainly coz things were going so well. However in the last 6-8 weeks, all our hard work has become undone. One car needed replacing, the other a fair bit of work needed doing. Now my OH seems to have got into the habit of spending money again, instead of trying to save it,…
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Hello, newbie needs help with acronyms!!
Hi there, I'm new on here and am finding it really difficult to understand all the acronyms used in these threads. Can anyone help explain them please as I'm wasting loads of time trying to work them out!! Thanks:)
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advice welcome SOA
hi have been a lurker for many years i must admit head in sand years not wanting to admit how much of a problem we have with cash. we have an 11 week old baby and the oh so very basic maternity has just kicked in and i've had such a shock at how little money we now have, my prevoius salary was £1500.00 bring home so losing…
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Advice re Cabot financial.
Hi, I hope I am posting in the right place,if not I am sure somone will point me in the right direction. About 10 years ago I ran in to debt problems,and for sometime after buried my head in the sand thinking it would all go away,which of course it doesn't!! After much nagging from friends I made contact with various DCA's…
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Advice needed!
Hi, I wondered if anyone could give me some advice.... I have googled but can't find what I am looking for. I had a number of difficulties whilst renting my last property and fell into rent arrears. The property had to be rented quickly and was far too expensive for me and after living there for a year I ran up a terrible…
