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My DAS is approved, I just had to share!
:j Hello everyone, I had to let you know....my DAS was approved at close of play last night.....not one of my creditors bothered to reply, so under scottish law after 21 days from the intimation (I think, well however long it was, dont think it was 28? oh Ive lost track) it is now deemed accepted! :j Not one penny of…
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Gutted :-(
I know I shouldn’t be typing on here – it’s not all aboutmoney. I’m writing here because I’veread a few threads and posted and feel I know some of you a little bit. I’ve posted under a new account because I’mscared someone will know who I am and I am so, so ashamed. I don’t know what to do. I’ve been with my partner over a…
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Urgent Cash-Debt Repayment
I have a bank overdraft and have had it for quite some time now. Ive also been jobless so a few (quite a number of) missed bill payments have incurred charges on my account and my bank tells me they cant loan me any money. What im concerned about is i borrowed a sum of money £1300 awhile back from a colleague. I was under…
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Guardian article on payday lenders
Hi, Have a read of this and, if you feel like it, make a comment - take this opportunity to share your thoughts and experiences. http://www.guardian.co.uk/money/2012/mar/07/call-tighter-controls-payday-lenders?commentpage=last#end-of-comments SAAC
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MSE News: MPs demand clampdown on debt products
This is the discussion thread for the following MSE News Story: "Tougher action is needed to control debt management companies and payday lenders, a new report says ..." Read the full story: MPs demand clampdown on debt products
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Debt passed back to Provident
Just tried to make a payment to Westcot for a Provident debt but was informed it has been handed back to Provident and to wait to hear from them. I was just wondering what everyones thoughts were on what I should do with the money I was going to pay them i.e save in seperate account until I hear from them and can set up…
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clearing student overdraft
Hi all, I'm enquiring on behalf of my daughter who graduated last summer with a £1,750 overdraft (as well as her student loan debt). She will come to the end of her free overdraft with the Halifax soon and wants some advice on what to do next. She enquired at RBS for their Graduate acc, but they said the free overdraft…
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Wednesday 7th March - What small things will you be doing?!
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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VERY catalogue payment question - help required please!!
Hi, am new to the forum and am really looking for some help. I have, fool that I am, run up an account with VERY, the catalogue company - needless to say I now realise that this was NOT A GOOD IDEA but, stable door and horse has bolted and all that. So. I am now paying around £160 pcm to try and pay this off. VERY flipping…
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Are we a lost cause?? :(
Hi just wondering if i can share my worries and hopefully someone will be able to give me some words of wisdom. Me and my partner have a serious debt problem and i just cant see any way out. I found out 18 months ago that my partner had a gambling addiction, to try to hide what he was doing he maxed out a £3500 cc, took…
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newbie needing help.
i have been a bit of a nob and run up a credit card. i have been managing to make the minimum payments ok but im aware that i am paying off a lot of interest and not alot of the balance and its starting to worry me now. i own 6500 on a barclaycard platinum card, i was wondering whether i would be better trying to move it…
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Newby - advice welcomed
Hello All Ive been reading the forum for a while and feel its time to post! Im 36 and have unsecured debts just over 19k - I rent my home and have a full time and a part time job. My primary job earns me 32k/yr My secondry job earns me around 8k/yr My debts include: Bank loan £6600 (due to end 2016) 6.9% Hire Purchase…
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Lots of Debt and now no job.
I am with a debt management company called Immediate Financial and I have been paying them £100 a month. I was with the CCCS but didn't make regular payments so I had to go change to Immediate Financial who are dealing with me and around 8 of my creditors. But I lost my job 2 weeks ago and I was just wondering what options…
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First step - my SOA
Any help/advice gratefully received Number of adults in household........... 1 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details Monthly income after tax................ 1540 Partners monthly income after tax....... 0 Benefits................................ 237…
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I caused a default on Son's credit file, PLEASE HELP
I have had the misfortune to have my life spiral downwards over the last 2 or 3 years due to losing my parents, this left me with a bad credit history. My son nicely enuff took out a phone contract for me when my marriage hit the rocks. I paid the contract on time every month for a year. I then lost my job and phoned O2 to…
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Are my debts bad,normal ? Should I worry
I am in my late forties and a family man. I work and only earn £12k and my wife earns £8.5k. we recieve a total of £700 a month in benefits too. However I am concerned about my/our level of debt. The mortgage has got 15 yrs to run and £55k outstanding. I have unsecured debts of £17k. These debts are at low rates or 0% so I…
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Apparent unpaid council tax bill & Rossendales
Hello there I was wondering If any of you could help me , its a bit long winded. 3 years ago I had a bailiff turn up at my house regarding an unpaid council tax bill dating from 7 years ago. I had no idea about this bill was quite shocked. I contacted the council and after a few hours on the phone they agreed that they…
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My name on joint business account
I know that if you have separate accounts your wife won't be chased for any of your debts but we started a small tourist business last year, which isn't making any money as yet, but I am now thinking I shouldn't have put my name in the account so that she won't be chased for my debts. Is it straightforward enough to take…
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Starting a DMP with CCCS soon
Hi everyone, need a bit of advice. I am in the process of arranging a DMP through the CCCS as my husband has had his hours reduced and we simply can't make the payments on our loans and overdrafts. My question is regarding direct debit. We usually pay our car/contents/buildings insurance through monthly instalments. Will…
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Please help!
Hi there I am new to this forum and thought it would be great to get some informed advice. Basically about two years ago I got myself into a right mess with catalogues and pay day loans. I currently owe about £2000 and then £2100 in overdrafts from when i was a student. I am paying them all back slowly but surely. I do…
