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posted in loans but posting here as well - advice on reducing debts!
Hi everyone just posting to ask for some impartial advice! I've been working full time for 2 years now, before that I was at university - as a result I still have plenty of debt. Approx £3600 - basically spread with £395 on a student credit card, £312 on store cards, and the rest split between two overdrafts. I make…
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Confused.Com!!
Ok - can somebody steer me out of this dizzying circle i am in? THOUGHT i had cut and pasted my SOA into this forum last Friday, but now looking and can't find it anywhere! GRRRR! The main question I want to ask is this: I completed Martins budgeting tool on here and it confirmed I was overspending by about £450.00 PER…
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Advice re self admin DMP and the dreaded pay day loan....
Hi all, Ok stupid thing first - I am on a DMP with payplan and I have a pay day loan which of course has escalated and now am struggling to get rid of. I would like to add it in to the plan but I know that this is really wrong for me to do. Should I try and fess up to payplan and see what they say? I am expecting they will…
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Round & Round In Circles!!
Hi everyone, was looking for any helpful advice/suggestions on my problem. Myself and my husband have quiet a lot a credit card debit built up whilst I was on maternity leave and he was retraining and setting up a new business. Some of the intrest rates are quite high (28%). We know that if we either balance transfer to…
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Transfer of hp on car
Hi can any one help or advise please. My current car is on hp but has just broken down again, can I transfer the outstanding balance on the car to a new one? Once the value of the car is taken off the hp agreement there will still be money owed on it. Hope that makes sense and hope for any help or advice.
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Council Tax Bailiff Advice
Hi there, I'm after some advice on a bailiff i've had to deal with this morning. Yesterday when my partner was at home there was a knock at the door and it was Jacobs Bailiffs regading council tax arrears. She didn't let them in and they left a number to call of the bailiff in charge. We do indeed owe the council tax, once…
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Can someone give me HONEST advice & Help
to keep it short, I have 4 defaults on my file, I basically had a decent enough job, and was given access to alot of credit, and took it, lost the job in 2010 due to recession, and really began struggling. Before I was comfortable although in truth was probably keeping my head above water with salary, credit cards and OD…
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please help me! going out of my mind!
hello really new to this and really need help last week i received a letter from lucas credit services saying that i owed lowell portfolio 1 ltd £673.54 and they were pursuing it and if i did not pay straight away i will have the debt collectors at my door i emailed them saying i dont no of such debt they emailed back…
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Closing a Credit Card?
I've just transferred a balance from MBNA to Barclaycard on a 15 months 0% interest deal. Once this 15 months is up i cannot guarantee another offer will be available on the current MBNA and the only other card i have is a mint one. Should i close the MBNA card now and in 14 months apply for another one? Can this been done…
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debt collection letter with no info real or not?
hi my husband recieved a letter this morning from a comapny called Transcom Worldwide on behalf of Arrow Global Guernsey Limited demanding a payment of £64.11 before the end of TODAY or else debt collectors will be visiting our property the letter does not say what the debt was originally or from what company there is no…
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Lloyds TSB overdraft charges - obscene
Hi, Anyone who can help would be greatly appreciated...... My partner has an account with Lloyds TSB and has been using it for years, She had a cheque guarantee card on it and when we needed some quick money, we went to a cheque cashing place and cashed two cheques which were to be presented one month later. When the…
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it can be done
Yes! my first week of my 10 week challenge, my total of a extra money earnt this week is £88. wow, from just a few ebay items and a old tumble dryer. My extra money is going towards my holiday spending money! so that my regular pay can pay off my debt a little quicker! Its funny as i feel a whole lot better by setting…
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High enforcement
Hi... Need some advice please, basically I'm a student nurse and my marriage broke down in January..my husband gave up work to look after our children full time, so I could concentrate on my studies. When we separated I used a childcare company (they look after your children at home) for a short spell, the manageress…
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MBNA Card - Charged Off - To Pay or Not to Pay?
I recently posted that I am in a DMP with Spectrum and am nearing the end of the road DMP ends in January I am hoping to have everything paid off by then or shortly thereafter). As a newbie I'm not allowed to post links - but this post is fairly self contained.. As part of my efforts to tie things up in as neat a bow as…
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Little Help Please
My OH is now in process of sorting out his debts. 1. NRAM £9383-defaulted July 2011 (£129 month) 2. sainsburys loan £3374-defaulted April 2012 (£92 a month) 3. HFC £143- defaulted July 2011 (can settle immediately) 4. natwest (joint account with exwife) £5530 (overdraft, will propose £75 a month) 5. Capquest (formally…
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Thursday 30th August - 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 bigger stuff, we often feel that we are not making the same amount of progress, when…
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how much
How much did you pay off your debt this month ??? I managed 7% plus the minimum amount :)
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Stick With It Folks!
Hi everyone, Its been about 8 months since I last logged into this site but as I'm havign a quiet day I thought I'd check back in and hopefully provide a little inspiration to everyone struggling with debts at the moment (not that I'm trying to boast!). I started using MSE back in 2006 when my life was at a particularly…
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Are these defaults unfair
Hi there - am new and hoping for some advice. My partner has trashed his credit rating due to not paying his Halifax credit card for most of last year. We are now desperate for a mortgage and despite paying what was asked all year his Experian still says poor. Going through his statements even though he has paid the amount…
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where do you get vouchers from
i just watched a programme on channel 4 called ultimate guide to penny pinching and there was a woman who had hundreds of pounds worth of vouchers for her shopping every week and i thought, where does she get all these. if you dont buy endless magazines like i don't then how do you get these. any ideas?x
