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A bit of a vent..
I'm just having a bit of a rant here really, as I find it best to get things off my chest. I'm almost finished paying off my debts (around £850 left). I was SO silly in 2010 when I lost my job and was on JSA and was about 21. Ended up with FOUR defaults in Sept, Oct, Nov and Dec of 2010! Though they're the only defaults on…
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finacial management plan cancellation
Hi there, i took out a financial management plan with freshstart in nov 2011 and i really wish i hadn't. i have paid all the fees and now the money that they take from me every week should go towards my credtiors. But when i called one of the creditors the other day i was told that they have not recieved any payments from…
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Financial Structure and The Backward Spiral
I love February and March (financially) as it's a time where I really look into my finances and plan the year ahead. By the end of March I will know exactly how much each of my monthly houshold bills will cost and can adjust what I transfer into my Bills Acct accordingly. I also have an extra £115 in my Bills Acct in…
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Advice needed regarding a debt collector
Hi In 2007 I left my job at the time and was overpaid. It was a huge hassle at the time as they claimed I had been overpaid by £1000 but they hadn't taken into account holidays that I was owed pay for. The final agreement was that I had been overpaid around £600. I started to pay this back in monthly instalments (£25 a…
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Vodafone Defualt payment
Hi Everyone, I have problem with my credit report because of the default payment record from vodafone. I was with vodafone mobile contract from Sep 2007 to Nov 2009 At the end of 2009 I was ill, stayed in hospital and out of work for three or four months and couldn't afford the phone bill which was up to 158 pound ( in my…
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Final demand letter
Hi, I currently have a dmp with ccs, however I have now received a final demand letter from m&s money. This is due to the fact that my monthly payments were reduced due to me being made redundant which has resulted in arrears of £267.66. They have informed me that my account may be passed to their debt collection agency or…
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OMG kick up the bum
HAve just snowballed my vanquis debt as if im only paying the minimum my balance is £963 if i pay the minimum of £43.46 per month, it will take me WAIT FOR IT:: 297 months to pay off and costs me £103,285,843.00 in interest :eek::eek::eek::eek::eek::eek::eek::eek: Time to get my finger out then eh?
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18 months on still no joy - help and advise needed
separated from my partner (unmarried) in November 2010, we brought a house together in June 2007 which is in negative equity, we also have a joint loan (as the mortgage company would only accept the initial mortgage app if the loan was in joint names, from his sole name only) and also have a joint bank account. I moved…
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Drafting a letter that cant be ignored
Ok so ive been really going through my out goings and i have a direct debit i need to sort out finally but ive no idea how. Basically i took out an advertising package that seemed really good, it turns out it was too good to be true. I didnt get good customer service, no one got back to me about changing some details and…
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Weekly Spend Challenge W/C 5th February 2012
Hello everyone. Welcome to the Weekly Spend Challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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New SOA .... need to find money out of fresh air
Hi Peeps Well a few months ago I posted my SOA and got some good advice :) however things are about to change and I need some new advice. My OH is on ESA at the moment but thanks to the new welfare reform bill this will stop at the end of April. He will not be entitled to any other support and unfortunately will not be…
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Finally some good news!
Some of you may have read a couple of my threads so know the situation, otherwise this may not make sense! Firstly, for the first time in awhile I've managed to get more than 5 hours consecutive sleep in a night, for the past two nights. I was happy with that on it's own but Secondly, this morning, post brought a letter…
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Yell.com - signed me up without consent - now they are asking for money
Hi I was recently called (just before Christmas) by one of the yell sales people. They spoke to me about what they are doing and I was genuinely asking questions as it sounded quite good. They spoke bout how easy it was and said that they would set me up an account and if I wanted it to go live I would just have to pay.…
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struggling but getting there
I am self employed and also disabled (employment would be impossible for me now, hence self employment, this is also reason i have so much debt). I have around £28,000 debt. Last year I was so scared to open bank statements, couldnt sleep, had no money to buy little ones shoes (in October he was wearing sandals with his…
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f&F settlement q
on a dmp and nearly in position to offer f&f to 5 creditors, dmp company said they will make the offers etc for me but want 15%. is it worth me making the offers myself to save this amount or will they get me a better deal? ta
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Saturday and Sunday 4th and 5th February - what small DFW things will you do today?
Saturday and Sunday 4th and 5th February - 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…
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Wake up call, LBM etc.......feel sick at the thought.
before i start may i just say i have been here before. my hubby and i have had financial problems and got all sorted. we moved house, got straight and then hubby lost his job and since then we've been....well......existing and fallen into the trap of "emergency" credit cards and loans. Im angry and embarrassed because you…
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CCCS Debt Management Plan - effect on credit rating?
Hi all, I just filled out the CCCS online form and they suggested the DMP. I'm on benefits as I had to give up work to care for my ill fiancee and our young son. I have about £11k of debt (credit cards/overdraft) and really need to get things under control, and think this may be my best plan. I've tried to apply for…
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How to go about paying a very old, unchanged debt
Hi all, After being turned down for a couple of products we have done some digging and found out that my wife has a default for £35 on her record from 2008. This was the final payment on a finance agreement for a laptop. Since then she has had credit accounts etc with great history and good limits but we have found…
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Can i admit to CCJ that's against my partner??
forget it, this place is full of trolls.
