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Taking some steps, looking for further advice
Hi, I've decided that I want to clear this debt now before it could get a lot worse. My salary will increase by approximately £200 per month from the end of this month which I know will make things a lot easier. My car is on HP and I will be getting another one come March - I'm hoping to get something cheaper that will…
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Has the recession affected your relationship? GMTV
A producer from GMTV is looking for people to take part in a show. He has asked us to post the following: "Has the recession affected your relationship for better or worse? GMTV are looking at how these difficult financial times can affect personal circumstances. Are you going through a difficult split but struggling to…
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New mum swamped in debt, help needed ASAP
Hi, I've just started posting on the site and have seen some really helpfull people helping others and am hoping someone out there can help me too. As a background I became a first time mum in April this year so despite working up untill 2 weeks before due date my savings are just about gone. I am self employed so am only…
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Desperate for advice
Hi guys im not sure where to start as ive hidden this for a very long time and its been eating me up. Im 25 years old and when i turned 18 i was sent my first credit card which was great at the time but it led to more and more finance which at the time i could afford as i was living rent free at my parents house. When i…
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student in a sticky situation
well, this is my first post and i have absolutely no idea what i am doing. ish. i've done one of those SOA things and i am just wanting a bit of advice. i'm a full time student, about to enter my third year at uni. i was 25 this year so am counted as financially independent from my parents. the issues i face are perhaps…
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Student loan becoming a joke
Hi everybody, I hope there are some people out there who feel my pain. Having graduated University in 2004 I have clocked up £15k worth of debt in the form of student loans. In hindsight I really wish I'd paid more attention to the small print when I enrolled for Uni and given more thought about returning the funds after…
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help - debts gone haywire! 1st time poster and SOA
HELP!!!! am ready to lose the plot - have never been so stressed in my life. Thank you if you've even got as far as reading this thread. I've tried to do a SOA : Household Information[/b] Number of adults in household........... 2 Number of children in household......... 1 Number of cars owned.................... 2 Monthly…
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2 replies to cca...what next???
Hi all, To bring you up to speed...i have sent out several cca requests over the last 10 days. **Email reply from Kays cat: cannot find any details of account, they recommend that i check my credit report( i havent done this yet, but will do) **Email reply from Choice cat: cannot find account details, check credit file.…
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** Its Monday....again Daily Natter **
Well the weekend is over and its Dam Monday again! Off to drop Maz at airport then work for me until 12 at which point I think I will be coming home for a nice chillax afternoon...or go to the allotment depending on the weather Catch you all later
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In a DMP....Found Something In My Old Paperwork
Hi guys i'm not sure if this is the right board for this but as me & my partner are in a 'long haul' DMP wit Payplan I feel most comfortable posting here. I have 2 situations that have arisen from sifting through my old banking paperwork (yes I keep everything it's ridiculous). 1) Part of our debt is from an old A&L…
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Monday 3rd August - What small DFW things have you done 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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I think I am going to be debt free... too good to be true?
Hey Everyone, I have been on here to get advise on getting a DRO to get 'rid' of my debt once and for all and as part of starting the process, I thought it would be a good idea to get credit reports from all 3 agencies. I have so far got two; one from CallCredit and other from Experian. I am still waiting on one from…
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Feeling quite positive about it all...
Despite being in masses amount of debt still, this week i'm starting to feel like it is actually managable for the first time in over a year. We OH had his car reposessed by the HP company a couple of months ago and they have now sold it and he still owes just short of £5000 on it but they have accepted payments of £35 a…
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I'm new here and ready for the challenge - NEED TIPS
Ok, Hi everyone. I am determined to follow the financial plan that myself and my partner drew up on Sunday. Our Debt Free Date will be August 2011. Got the formulas for snowballing and all that from off the internet and we have a joint file now with all debt details!! We currently own our house with a mortgage and bought…
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Good Debt Management company???
i have recently talked to some one from 123 debt solutions but i'm a bit unsure if they are the right people to go with, what they said on the phone seemed very good and would make my situation much better but i've not heard much about them so i was wondering if any one had any info? thanks
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What are the negative impacts on your life if you go Bankrupt versus IVAs?
Hi my husband is £28k plus in debts and rising due to interest and late payment charges etc, he is employed now and he has no assets (no mortgage as cant get one, no car as it was on HP and taken off him, no mobile as it was taken off him as not made payments, only a basic bank account as his overdraft and credit cards…
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Help with Triton/natwest mastercard
ok so on the 15th of july i called mastercard....i was on a payment plan to pay £21 a month, they told me it had been passed to Triton on the 14th, so i called them and offered them £40 which they refused saying they'd accept nothing less than £140. (where they think id find that god knows) so then i got a letter dated the…
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What would u do? Sunday morning help please
Hi, I'm new here, browsed a bit for Lamb Shoulder tips and Tower Investigations Ltd, back to them in a bit So, while in uni (98-05, on an off) I was a very silly boy (in more ways than one) and accrued 3 seperate overdraft facilities in addition to 2 credit cards. From 03 to 06 I was also a customer of the Money Shop and…
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re debt recovery company
my wife is owing money to a debt recovery agent, she has offered them money per month but they wont accept that and now wanting her income and expenditure per month including mine. Do they have any right in asking for this as it is not my debt under the data protection act? ANY HELP WITH THIS IS MUCH APPRECIATED.:mad:
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Long time lurker in need of some help!!
I would like to start off by saying thanks to everybody on this forum as it has helped me such much towards my aim of becoming debt free. :T I now have a question and am hoping one of you lovely people can help me! I received a final demand letter on Saturday from Wescot credit services saying that I owed Littlewoods £160…