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Suicidal
Well it looks like there is now way out of our big financial mess. We owe thousands have a massive morgage and have been on interest only for the last year to enable us to sell our house and clear debts but have been unable to sell and in April our repayments will go back to normal. The housing market round here is…
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My SAO ....looks even worse on paper!
Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 650.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 0.00 Private Pension / Annuity Payout. . . . . .…
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what to do if debt collecting solicitors wont give me a statement via email or letter
I have emailed a debt collecting 'solicitor' with my reference details, requesting a statement of all payments to date, when they were made, and how much I currently owe. I need the statement in letter or email form for proof that no charges are being made without my knowledge, and that they are accepting my payments by…
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Sole DMP with Joint Loan Advice
Hi, I just wondered if anyone has had a similar experience with a Joint Loan but a single DMP I have just set up a DMP with CCCS and first payments are to be paid in March. Something has come to light regarding a loan with Nat West that is joint with my husband. The DMP is soley in my name, as the other creditors, are all…
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What happens to my Morg?
Looking for some information regarding a DMP, at the moment I just* manage to make all my payments on various cards and loans. however a little bird tells me that our company is due to make some cuts, this could be as bad as people being laid off to reduced hours, either way I'm for the chop, last in and only been here 6…
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RMA Debt Collections - Anyone have contact details?
Afternoon all, From my quick searches I can see their name is mud around here :p but was wondering if anyone has contact details for these guys? I've had my Egg Loan transferred to them according to my CCCS statement, but I've not had a letter from them and can't find a website for them either apart from a very old looking…
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Mbna ppi
I went to see the Citizens Advice last summer about debt managment. Then as a result my credit card company MBNA kindly agreed to cancel all interest so I would just pay off the balance without interest and late payment fees. I would like to try to reclaim my PPI from MBNA so could this affect my currant payment plan of no…
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Can you recommend a bank account that accepts people with poor credit rating
Hello; I have a poor (or propbably worse now) credit rating, due to a large amount of debt and being unable to meet repayments in recent months. I am planning to start an IVA. I have been advised by the CCCS to change my current account, since I have debt with a linked bank (Lloyds and HBOS). I have tried to open an…
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Settlement figure vs. paying off in full - credit rating pros and cons
Hi all, Apologies for starting a thread as my first post, forum faux pas if other board are anything to go by, but a cursory search didn't return anything exactly applicable. Summary of my situation is that I'm currently circa £48k in debt, down from around £65k 2 years ago, accrued by overstretching just as the credit…
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What time are the CCCS counsellors available until?
Sorry, in a real rush and cant phone from work. The helpline is available until 8pm, but to talk to an actual counsellor I believe is 6pm, but I just read something say they work 8am to 5pm? Need to talk to them ASAP tonight but can't leave until 5pm :( Gotta go, bye..........
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CCJ causing problems
So i'll try and be accurate with this all. In 2010 I believe, I sold an item on a well known technical forum and all was going well and I arranged for a courier to sort it all out. The courier picked up the item and delivered it to the buyer but the buyer then informs me that the item was damaged, though I remember packing…
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Unsure about my debts and what to do.
Hey all. Long time viewer of different forums on here however rarely post. I would like some advise on what to do about my debts. 1-4 ( student overdrafts. )! 1) NATWEST - £1150 - 0% OVERDRAFT 2) RBS - 1300 - 0% OVERDRAFT 3) HSBC - £500 - 0% OVERDRAFT 4) BARCLAYS - £1500 - 0% OVERDRAFT All 0% ODs maxed out. Spent years…
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DMP and big purchases
Hi, I'm asking on behalf of a friend because I'm not sure if what he wants to do can be done. He's had his car over 10 years and the repair costs are stacking up and he'd be better off selling it for scrap and buying a new (used) one. Thing is he's on a DMP. Is he allowed to do this? He needs the car to get to work if that…
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First steps
OK...taking a big breath...shutting my eyes and jumping right in. Like many people I have been loitering around these boards for ages. I am amazed by how much knowledge you guys share with each other and how friendly you all are. I am going to need some help please and am totally new to this. I have never posted on a…
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do u get told before a default
hi everyone n happy monday I'm lagging behind a bit on few cc's due to no income over christmas. We've made part payments where we could and can get it all back up to date on Friday....are these defaults? scary to think my credit rating is shot due to couple of bad months with late payments xxx
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Is this working?
Just tried to send my first post and it wouldn't work. Testing.
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can't pay - what are my options
On the advice of another contributor, I have duplicated this post into this forum from the Credit Card forum, where it has already received a few replies Last year I had to quit work for health reasons, and because of my age I am now living on Pension Guarantee Credits and Housing Benefit. I contacted the credit card…
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Monday 6th 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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Where can I save?
Aplogies if I'm posting too much here, I'm trying to get to grips with my finances and things keep popping up! Here's my current SOA, there are a few things I plan to cut back on, but just wanted people's opinions. Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). .…
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loans without up front fees
i went bankrupt 3 years ago and was discharged from it 3 months later i then had no deby but 1yr and half ago i became poorly and my income dropped so i had to get payday loans out i am still paying them each month and its costing me a fortune,i am trying to get a loan to pay them off but my bank wont help until i pay…
