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Weekly Spend Challenge W/C 13th May 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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About to take the plunge
So, after a long time of dealing with creditors myself I've just made an appointment with Payplan for one of their advisors to call me back later today. Am chuffed and terrified at the same time! Although in the scheme of things, my unsecured debt of £7k isn't the biggest in the world, it is to me, and I need their help in…
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Were to Start and how to move forward.
Hello everyone I currently run a small business and am in quite alot of debt though beginning to get a hold of it kind of. I signed a debt arrangement scheme up here in Scotland last March/April time for the biggest and highest priority debts that have so far secured my flat that i have a mortgage on. I have some debts and…
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Were do i start!!??
Hello everyone I currently run a small business and am in quite alot of debt though beginning to get a hold of it kind of. I signed a debt arrangement scheme up here in Scotland last March/April time for the biggest and highest priority debts that have so far secured my flat that i have a mortgage on. I have some debts and…
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OD of £2000, What can I do?
Ok so as you can see from my signature I have a £2000 OD and it's maxed out always. My salary comes to this account monthly and all of my DD and SO are paid from this account. It's now costing me £30 per month for the OD and a further £15 for the account. I wrote to Halifax and asked for a reduction in charges, they wrote…
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Advice on new dmp set up please
Hi all I sent my paperwork to Cccs on Thursday by special delivery and I have sent all my letters to the various creditors today by 1st class post. My questions are: 1) how do Cccs normally contact you to let you know it has been set up! 2) chances of it being set up in time for a payment on 1st June? 3) is it better to…
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Scott + co council tax arrears
Hi everyone, I received a letter today that. I'm both confused and concerned by. I had council tax arrears a few tears ago and this was mainly because the council for three years had not given me my entitled discount, they passed this on to Buchanan Clark and well sand I started to pay I was paying every month with no…
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Credit Rating Confusion
Hi, I was hoping someone would be able to help me. I'm on the road to recovery after getting myself into quite a lot of trouble with debt from the ages of 18 onwards (I'm now 26). I've been looking into my credit reports and have a couple of queries. Firstly, Experian gave me a score of 953 which I was absolutley amazed…
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Reduce Interest sample letter
Hello Im on a debt Managment plan and need to write a letter to a creditor as they are charging me alot of interest and the rest of my creditors have stopped or reduced the interest. Can anyone give me a sample letter on how to write a letter to ask for this and my situation as im crap at doing this sort of thing. Thanks.
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Newbie-about to embark on the CCCS route-advice please?
Hello everyone I am a newbie but a long time lurker. I am in considerable debt, and after over 10 years of constant worry, anxiety and sleepless nights, have finally had my LBM. I am currently in the process of filling in the Debt Remedy Form on the CCCS website with a view, hopefully, to being able to achieve a DMP. Just…
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A little help please with old ccjs and defaults?
Mornin all, I've had/got some ccjs and defaults which I've been paying small amounts on for years and which no longer appear on my credit report, but recently been contacted by DCAs on 2 of the debts, demanding much larger monthly payments and threatening with court action. So what I want to know is, can I be taken to…
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Saturday 12th May - 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. :j But once we have done the bigger stuff, we often feel that we are not making the same amount of progress,…
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NDR changed my agreement because they made a mistake! can I challenge them?
I got in debt with catalogue for around 4 to £500, I phoned in January and made an agreement to pay 6 payments of £140 at the end of each month and then carry on payments as normal to the catalogue, I only realised later that that amounts to more than what I owed in arrears. Now they have told me a mistake was made and…
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Can anyone tell me how noddle is free?
Well I used to use Credit Expert and pay each month, but I got rid to help savings, but I have just joined noddle and can't understand why it works so well and how it can be free?
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End of IVA thanks to you all :)
HI all, Five years ago today I wrote to the forum for help.My family and I didn't know were to turn? and we were in a very sad place.Then I found you helpful bunch on here :) you did not judge me you didn't take my pain lightly, you did not blame me for my life falling apart. you gave me straight talking advice and set me…
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Clear the card or pocket the cash - advice needed
Hi all, Thanks to MSE's guidance, I just got £3,397 back from barclaycard on a PPI claim. I current have just over £3,000 to pay off on the barclaycard. The interest rate is 29.9 per cent. At the moment I pay about £100 a month minimum repayment. Of that, £70 goes on interest/new transactions (even though I haven't used…
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Debt Recovery Agency increases repayments every 3 months
Hi all, just wanted some advice with a company that has been increasing my repayments every 3 months. I got into financial difficulties around 5 years ago and defaulted on my loan and credit cards. Two of my debts were passed onto debt collection agencies and, after lots of haggling, we came to arrangements to repay. The…
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Opening a new account...
There is more to this than just the title. Basically my husband is a terrible spender and has landed us in pretty deep water. We have an overdraft limit of £2000 on our account and we've just started going over this in the last few weeks. We went to our bank a few weeks ago to try and get some help (we'd actually gone to…
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incorrect default notice
Hi there, My wife has found a default on here credit reportfrom a mobile phone company from 2009. She called them today to query it andthey admitted to her that it was incorrect as it should have been registeredagainst somebody with the same name who lives in another city altogether! They have asked her to write to them to…
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Papers from Northampton County Court
Hi All, I have today received a claim form from Northampton County Court for a water bill to United Utilities. Can somebody help please? It will be a struggle (to say the least) to pay the full amount within the 14 days specified. The notes say to complete and return the admission form if you are asking for time to pay.…
