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Support and Plans Need Good People
Hi all, Good evening all, I need to feel I am being productive having got myself in to a bit of a mess with finances. However, the damage remains for now and I will do all I can to sort it out. I am 25 and I want to buy a house with my girlfriend in a few years so now is the time to sort all this. I could really do with…
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Default date incorrect!
I'm hoping someone can help me with the above as it's preventing me from buying my first home and it's really starting to take it's toll on me. I have been undergoing debt management through an agency for just over two years and previously was agreeing offer payments directly with my creditors myself. I got into difficulty…
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where do i start to get bank account straight to be able to pay off other debts!?
Hi I am new to this and have carried out a budget planner and desperately want to get my debts etc under control as its all so stressful. Trouble is there are little ways of saving money etc but what i need to know is when you have several credit card debts and are overdrawn, how do you ever get back in credit to start…
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Can a CC bailiff get my money?
Hi all, I'm new to this site and I was not sure where to place my question. I hope you can help me here:) Now about my problem. I had bad luck to rent a flat from a dodgy landlady who did not pay my deposit into the deposit scheme, later refused to return my money although I left the property in a immaculate state: clean,…
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How could she do this ?
I've just found out that my girlfriend of 12 months, who I was planning on asking to marry me, has been cheating the authorities by claiming benefits that she wasn't entitled to. I am appalled, horrified, angry, furious, confused, you name it, i'm feeling it. She told me she had her own successful business, although times…
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Received claim form - timing advice required
Hello there My Husband and I have recently received a claim form from people who rented a house from us. We want to defend the claim and I understand that we have to send in an acknowledgement which needs to be received at the Court by Wednesday at the latest. Our problem is that I'm in and out of Hospital and am due to…
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Help!
Here is my statement of affairs: Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1700 Partners monthly income…
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Help with Natwest
Hi All, i have just arranged a DMP with payplan and I just want to find out something. I took a Natwest Loan out 8 years ago, the initial debt was £30,400 including interest. I just borrowed £24,400. Right now I have paid off £27,136.15, my Payplan is going to start this month. So does any one know if I can make an offer…
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Credit Cards or Loan
Hi, I am new on this site and my head is going round in circles as to what to do with a debt problem, as follows; I currently have £11700 debts which includes a Sainsburys loan of which £3443 is remaining for another 3 years. I also have 4 credit cards which are all transfer deals for the rest of the money that I owe. I…
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should not sign name & token payments
i read somewhere you are not ment to sign your name if you send a letter saying the debt collectors are not welcome to visit you at home. Is that true? I'm in the same boat but i can'y afford to make token payments, i am paying out £100 more then i earn-you do the maths! I was sending monthly income/expenditure forms to…
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HBOS Loan: Stopping Interest
Hi I lost my job in Nov last year, and fell into arrears on my debts. I initially set up a DMP through CCCS but after two months offered and was accepted token payments via Moorcroft. I have since managed to get a low income job and have been making payments of £30 a month towards the debt as agreed with Moorcroft. I was…
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Struggling to confront things please help
I’m not really sure what I’m asking for here but any advice/support would be gratefully received. If anyone has any good tips about trying to separate the emotional side from finances/deal with the emotional side or anything else really that would help. I need to start sorting out my debts properly, because I keep starting…
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I want to take out an Injunction against Marshall Hoares Bayliffs
Ignore this post it is out of date.
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Getting a replacement car whilst on a DMP, is it possible?
I'm sure our car is on its way out, and we need it! We have no emergency fund and no savings - is it possible/allowed/whatever to get a new/nearly new/2nd hand car whilst on a DMP? I'm sure I know the answer but I thought I'd ask...
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Treating yourself
How important is it to treat yourself? I earn about £950 a month and am living back with my parents due to debt. Every month I give them £500 towards the £18000 they loaned me to pay off debts. I also put £100 into savings - not much, but it gets me into the habit of saving and I am going to use it for things like car MOT,…
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0%Credit Card or Loan to sort me out?
My Boyfriend and I were recently declined for a First Time Buyer mortgage because of my overdraft. our options now are either to wait until i've paid my overdraft off or for him to make a single application. I have a £2k overdraft, and 1 credit card with a balance of £1.5k and wondered whether it there were any credit…
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HELP! New and confused...
Hello I'm new poster here. I am trying to get myself out of a fair bit of debt, luckily owed to my parents who have loaned me money over the years. But I'm 28 now and want to pay them back and start saving. I've never been good with money, looking at my bank account terrifies me as I have often run out of money at the end…
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If i can do it, you can!
Just a little positive post for everyone... In March of last year i had my LBM when debts hit £14k. Less than a year later i'm at under £6k with first credit card totally cleared, another 2 will be cleared in April along with my loan. Come May i'll be left with 'only' £2k on one credit card which is interest free until…
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SOA all is not rosy in the Hinge household!
Hi, I'm a long time lurker on MSE but never registered or posted before. Today I filled in cccs debt remedy and have to call them on monday for advice. After months of juggling finances I am now dropping balls faster then I can catch them! I am married with 3 children and currently on materrnity leave on SMP, the problems…
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Venting for me
So sat here in tears and need to vent. im not really looking for a response but need to say something to someone otherwise i dont know what i'd do. so compared to some issues i bet mine are trivial but i've just found out my fiance is a gambler. i am only 24 and have been concerned about affording a future as it is and now…
