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Help, please...my head is reeling!
Ok, so I had my lightbulb moment and in theory things should be great in a while once I get the ball rolling on this challenging my debt stuff....but for now, I'm in big trouble and I need advice. I'm on benefits, single mum, about to move house into Housing Executive accommodation (mind you this hasn't been confirmed…
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help needed just contacted cccs????
hi a little ashamed but i have come to a pont where i just cant manage my debt anymore, ive phoned cccs and i have a telephone appointment on the 26th feb, she advised me in the meantime to contact my creditors and ask if payment could be put on hold and cccs will contact them in due coarse they also advised me to take all…
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In Need of a little motivation
Hello I was just wondering if anyone had any ideas for injecting a bit of umph into money saving. I've been very good for about 6 months but I've lost my way a bit these last few weeks as I ended up spending too much for my mum's birthday and this has completely disheartened me as I've been so good and have very little to…
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Barclaycard Sent Me A Aplpication Form
Hi After Cca Ing B/card I Recieved A Reply They Sent Me A Photocopy Of My Student Application Signed And Dated By My Self With A Barcode Over The Little Box Above My Signature A Few Pages Stapled Together Of Terms And Conditions - Ive Never Seen These B4 In My Life, These Are Separate To The Application Form Is It…
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Time for a petrol boycott?
Whilst reading the notice board of our Union i noticed a letter about the best way to do a petrol boycott & if word got around then people power would end up knocking at least a few pence off a litre of petrol. If everyone didn't buy petrol for a day the boycott wouldn't really work as we'd all still have to fill up over…
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SOA - OH unemployed, need help with it
Income: Myself - £920 (this is my lowest wage, i work in a school and do 2 jobs, 2nd job is 5 hrs a week, i only get paid this during term time only, so wage does change each mth, but thought id include lowest to be safe) OH - £256 JSA Total - £1176 Expenditure: Mortgage - £439.64 Council Tax - £102.00 Mortgage Payment…
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Quidco-has anyone been paid out by NAT WEST?
I am waiting for £120 off Nat West---it was validated ages ago ---firstly for Jan 2008 and now it is Feb 2008 but with no sign of it being paid!!!Has anyone been paid out by them?It was for a house insurance.Thanks xx
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my SOA.
can anyone see where i can make some adjustments please? Take home pay £300 p/w Child Benefit £120 p/m Working tax credit £13 p/w Child tax credit £69 p/w total income £412 p/w or £1785 p/m Most common outgoings Rent/Mortgage £410 p/m Secured loan/2nd mortgage £191 p/m secured loan £119 p/m debt management plan £126 p/m…
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CCA Request
Hi PPL, I have a very simple question. I have been sent the usual letters demanding payment from a couple of DCA's. Have sent in the letter asking for copy of credit agreement etc etc. The problem is I hear back from them , saying they have contacted their client and that the information is no longer available and they…
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How do I get out of this mess?
Okay, I have consistently overspent my whole life, I just want nice things and if I can't afford them, they go on my credit card. Wll I ave now reached the point where my cards are costing me most of my income to pay off, the bank are declining my current account cards and I have no access to any money at all. My partner…
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How long to wait for bill
Hi Guys. Bit of advice needed. living in Edinburgh, living in a flat. Over a year ago council decided roof of flats needed redoing and said all flats in building would have to pay equal shares and they gave an estimate of how much this would be. Now the work was finished over a year ago and we have received no bill from…
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Breaking news : Rundle and co bailiffs have taken over ccs enforcement services
Rundle and co bailiffs have officially bought ccs enforcement services out. Who are ccs enforcement services ? They are the bailiff companywho were featured on the bbc whistleblower programme in sept 06. companies house shows the following information : Name & Registered Office: RUNDLE & CO. LIMITED 53 NORTHAMPTON ROAD…
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in debt but wanna ask for payrise!?!
after some time now ive managed to save myself over £160 per month through peoples input here which im very thankful for, but now im in the dilema of my job. just recently some new people have been employed into the same position I hold within the company but on more hourly rate I am, and yet i have more experiance then…
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DFW newbie needing advice!
Hi, I possibly had a light-bulb moment before now but kept allowing myself to be blinded by the fear and that sick feeling in the pit of my stomach! So here's my SOA, Monthly incomings Net salary: £1,100 Flat-mates rent: £ 250 Total: £1,350 Monthly outgoings Mortgage: £539.80 (fixed rate until June 2009) Council tax: £191…
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Sunday 17/02/08 What small dfw thing hve 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,…
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OK, here goes...
I've been sort of flitting around this site for a while now and dipping my toes in here and there - usually the OS board when I get really skint and need an alternative for something I can't afford. I'm 25 (soon to be 26) and really would like to start saving for a deposit on my own property, but saving whilst in debt is…
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Daily Chat Thread:Sunday 17th Feb
;) Happy Sunday Everyone! Gorgeous sunny day here in the North West Midlands, however I have not ventured out the door because I am suffering from a bad case of man flu...;) What's everyone else been up to? Bunny x x x
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Urgent help needed on debts of over £34,000
Hi, I really need some advice as I'm stuck in a dead end and don't know what to do. I have spoken to a number of government run debt charities (CCCS, debtfreedirect, national debt helpline etc) and still feel confused.:confused: I have a number of large unsecured debts totalling £34,600 (and rising). Currently I have:…
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Really low tonight :(
Sorry for the moan..... Been dumped a couple of weeks ago and looking for somewhere else to live. I feel so stupid for having all this debt because now it's stopping me from being able to afford anything, even grotty roomshares, and I feel totally doomed and alone tonight. Can't stop crying and just wish my boyfriend would…
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Token payments, then possible bankruptcy
Can I just pay say £30 to £40 token payments towards my loans (monthly repayment is around £267, unsecured loan of £25K now down to £17.5K) for say 6 months until I get my act together? What sort of trouble will this get me into? Will HSBC be able to get a court order against me in that time? I hope to be able to sort…