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Help Please - SOA Posted
Hi, I am in debt to the region of approx 8k inc payday loans (5k is hire purchase on car) and credit cards. I know to some this may not seem a lot but I am only 20 and living at home. I was stupid with money for about a year and got into masses of debt, personal circumstances that I dont really want to air. I work full…
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Accomodation descision - save money or be happy
Hi, I have a bit of an accomodation issue and I have decided that I need to sort things out and do something about it. Firstly when you read my situation I know I have been very very lucky and luckly my parents are in a position where they can help me. A few years ago we were very poor and I think they are enjoying not…
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Self managed DMP advice again pls
Hello, me again. Since my last post we have decided not to go with the CCCS and try a self managed route. We are hoping this will mean our debts paid off quicker with more flexibility. Is anyone else self managing and if so how receptive to your plans were your creditors. Also any advice on stopping creditors calling at…
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How do I find a current account with a bad credit history?
Since falling over the debt cliff around 6 years ago and struggling back up the mountain, I haven't had a current account. I'd like to once again belong to the human race - even if my earnings are small to non-existent at the moment. I haven't a clue if any bank will have me. Is it best to try the post office? Or will a…
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Help needed please
Hi, hoping for a bit of help and which direction we need to go in, please be gentle.....we are fully aware we have lived beyond our means for the last 5 years since we bought our house and now have woke up and finally had our lbm :) This is our situation, we have several c/c and a secured loan on top of our mortgage we are…
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Hoping to join you
Hi I have been looking at this board for a while along with the main site but I would really like to join you for support. So here is my story... I recently have started earning a good salary but am plauged by previous poor financial management while a student and then on a lower salary, periods of maternity leave and a…
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Money in Limbo!!!
Hi everyone. I've not been on here in a while but feel that I need to get something off my chest and where better to do it!!! I want to know why is it, when you use your debit card to make a payment the money leaves your account, in most instances, immediately yet when a store owes you a refund it can take up to 7 days to…
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Do I complain about bank or what?
Hi I have posted a few times about my situation but don't know what to do about this particular issue. I have a big OD with my bank and for reasons best known to them they decided they wanted it repaid immediately and sent the account to the recovery unit. Whilst there the recovery unit, without prior or subsequent notice…
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Re CCA & debt enforcement
Hi I am looking for some advice. I have been in a DMP with CCCS since Sept 2009 and now all but one creditor has frozen interest. Creation which was a store card have reduced interest but in the last 2+ years I have repaid them £814.79 but only reduced the debt by £82.65!! I am constantly asking them to freeze this but…
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DMP or IVA
Hi Everone, I was wondering if anyone could give me some advice.. We have been on our DMP with Payplan for just over 2 years. I received a call from them yesterday and they asked if we would like to go on an IVA. Has this happened to any of you peeps and if so what did you do? Also my annual review is on Friday and I think…
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CCJ's and the credit point system
Hi, I know that there probably isn't a definitive set point system when it comes to ones credit score, but I was wondering if anyone knew roughly how many points a CCJ would have? I've finally got the company that issued me one to admit they were in the wrong and it was "recorded in error" so now I've sent away the letter…
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advise on ppi
i started out with debts £250000 in 2004 , i am down to £ 100000 with help from cccs , during this time a number of cc debts were sold to collection agencies . would i be able to claim ppi back from these cc companies . i feel guilty applying to other cc companies that are still being paid as they have stopped charging…
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Scotcall - What are my rights if I don't owe?
Hi there I yesterday received a letter in the post from Scotcall demanding payment for a gym membership, which I apparently owe, but which I cancelled lawfully. The letter was forwarded on to me from my previous address. I assume my gym was sending correspondence there too, but I haven't lived there for 9 months (hence why…
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Advice needed regarding loans/debts/baliffs
Ok this is for my girlfriend, she recently got herself in a mountain of trouble regarding debts etc, I dont know an exact figure but I know its run into thousends ie 5k i think but she wont give me a exact figure. These are the debts she currently has amounts maybe off but the debts are a guide: WONGA: £1k PADDAYUK: £1k…
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Not in control?
Hi all. Ive been following the posts on here for a while now, and believe me, have tried every bit of advice given. Some worked, some didnt, but am very glad to say that last year we cleared a personal loan and car finance. On paper (or SOA online) this should have freed up £335 a month.:T I say 'should' as it doesnt…
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What small DFW things will you do today? Tuesday 21 Feb
argh, double thread! nothing to see here, move along....
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Tues 21st Feb - 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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Pay more vs leave it as it is?
Reading everyone's stories on here, I feel like a bit silly asking this since in comparison to most, I have very little to get out of. Currently I'm a student, with 3.5 more years of my course to go (but in the end I get to be a Dr so I can't complain). At the moment I have just under £3k on a Natwest loan that I took out…
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And the debts keepa coming!!!??
I am Trying so hard to pay my debts but as I am more keep coming!! Just had a vodaphone calabash debt when I called to see where there this debt is from they said they got my address through calltrace??? !!!!!! is that? It's so disheartening to pay stuff off and be bombarded with more!! I know it's my fault - I spent it so…
