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is there any light at the end of the tunnel???
I would love some advice from people going through the same thing as myself! I have been in debt for what seems like forever. I finally plucked up the courage about 6 years ago to tell my family and get some help. I have been with a debt management company for about 5 years now and at first I thought this was the answer…
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Offered catalogue what i can afford.
My daughter had a catalogue with Littlewoods. Her circumstances changed and she could not afford the repayments £130 per month (total owed just short of £400). I wrote a letter to them for her explaining her situation and offering to pay £30. She in tears now because she has received a snotty letter off them today saying…
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DCA bull!!!!!
I've had to send Cap 1 the same letter 3 times in the last 3 months asking for statements for the last year during which I have been paying Debitas £30 pcm by mutual arrangement. On time every time by SO. The 3rd letter was recorded. I have finally woken the joker and I got a letter saying this: 1. Work number deleted as…
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Rebuilding credit rating
I have 6 defaults from 2008-9 and currently 1 CCJ (I was able to get 2 set aside). I have also just got agreement from the creditor to set aside the last CCJ so within two months I should hopefully be CCJ-free. I had a CCJ set aside about 3 weeks ago and so far it has fallen off Equifax but not Callcredit or Experian. It…
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Not sure where to look,need ideas on taking lunches to work
Hi everyone, Ive tried looking for a thread regarding packed lunches at work,I spend a fortune in the drinks machine and chocolate machine and the local cafe at work. I really want to start taking in lunch,s and tea,s from home which will save me money,we have a microwave at work but sometimes it works,most times it…
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Once the loan is paid off, do we owe the Debt Collection Agency?
Hello there, A couple of years ago, after getting into some financial trouble, we agreed monthly payments to Natwest to pay off my husband's personal loan. Although we made these payments, they passed the debt to Regal Credit for collection. With the help of CAB, we then started paying Regal Credit the same payment that we…
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Nationwide default on Experian how,why?
I have had an arrangement with KPR on behalf of Nationwide collecting for my overdraft in 2010 which was cancelled after years at two weeks notice for 1700. I have been paying it off by arrangement with KPR after being advised to change banks by my debt advisor. Nationwide refused for six months to speak with my debt…
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A little help please
Is there any financial experts out there who would be prepared to have a look at our figures and advise us what to do with our debts ? we have called the national debtline and they are good but we really need another opinion not options. please pm me. thanks :(
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Acts of kindness
Well we've had that thread up about the naughty things we may have done in the past when at our lowest ebb. I thought that was a wonderful thread, and it made me think of something I had forgotten. When I was very young and living on the outskirts of Bristol, I had a job interview in the centre, it was about 12 miles away…
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Advice RE IVA,mortgage and secured loan needed.
First post and don't know where to start as it's complicated. Wife left me in Sept 2009. Left me with 25k credit card debts and also the kids stayed with me. I have a mortgage in my name only with a secured joint named loan. I had no choice at the time but to sign up to an IVA to take care of the unsecured debts. Since…
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Sat/Sun 20th/21st August 2011 What small DFW things will you do 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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Overdraft worries
Hi can anyone please help, my mother was given bad advice about her lloyds bank account overdraft and emptied her account and tried to cancel it, they have now told her she cant because of the overdraft. mum is 72 and doesnt really understand what is going on, can anyone advise me on how to solve this, the overdraft is…
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Not sure if this is where to post-advice please?
Hi, I'm new on here but have an odd problem, wasnt sure where to post so thought i'd ask on here, if someone can help then great but if u know where i can post to get help other than here that would also be great... Basically, last year, my sister got in with a friends family, she was close with all of them, 2 girls her…
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Advice Please...Re Reliable Collections...
I'll keep this brief... OH has amassed catalogue debt of £2500 ish with Fifty Plus (just found out!). Has been 3 months since she has paid anything in due to household financial situation changing. They asked for £120 a month which she said was unaffordable. She offered about half of that, but £65 is interest and £12 is…
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Old Bank Acc Query
Can anyone advise? I got in money bother about 10 yrs ago with my old bank Halifax. I had a current account, credit card, savings acc etc but I was young and stupid and just built up debt and couldn't pay it off. Anyway, I never closed the accounts myself but I did changed my bank to avoid payment and never contacted…
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Can debts be transferred to spouse after death
Hi, My parents got into debt a few years back, and have what I think is a DMP with CCCS. The various debts appear to have been split between them, i.e. my mum is liable for some and my dad for others. Just over a month ago, my Dad passed away, leaving everything to my mum. He did not have any savings or other assets, just…
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Student with £1400 overdraft and no money coming in
So I'm going into my third year of uni and I want to try to clear as much of my overdraft as possible by the time I finish and move in with my boyfriend. I have no job at all, which isn't great, but I am trying to find one. So this is what I'll get in: September: £1994.64 January: £1994.64 April: £2024.72 And outgoings…
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Student in need of help!
So its the summer holidays and it has been a real struggle finding a job. I have found one now but its freelance and no work has come my way yet. The problem I face now is I have to pay £200 rent on the 25th of this month and if not they will chase after my guarantor and I really don't want that. I am completely in my…
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Big problems joint mortgage & loan with ex
Hello all, In response to your comments, I have summarised my original post as it was far too long and detailed. And reviewed and cut down the budget, also correcting a couple of figures that were mistakenly annual and not monthly. Changes and notes to SOA are in italics and blue. I have a mortgage with Principality BS…
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Hello and is there help out there?!
Hello everyone. I hope you can help me see a light at the end of the tunnel! I have got myself in a bit of a pickle over the last 10 years. Not looking for sympathy as it is entirely my own fault! I am not in the situation where I am managing just about to pay the min payments on 2 cc and a personal loan plus all my bills…
