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CCCS question....
Hi everyone, I'm due for my 6 month budget review with the CCCS on monday, my question is will i have to send them my wage-slips again as I've misplaced the most recent ones!!! thanks for any help best wishes Luke:beer:
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where's the Friday night DFW party?
Where's the DFW party?! I' ve logged off from AQA - had half a bottle of Asda 3 for £10 cava, got a HM pizza in the oven and 'Get into the Groove' playing on the radion (wave105.com if you fancy joining me in the glitz mix Friday night fun!!) OH has gone out - is the party at my place?! :beer:
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Just wanted to say Payplan are so nice
Hi Me again! Just wanted to say if anyone worrying like me about phoning Payplan for advice don't be. I filled in their email advice contact thing this morning cos I felt too sick and scared and guilty to ring them up. and a lady phoned me back a couple of hrs later. I was sooooo nervous of what she would think of me but…
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reduced settlement?
has anybody experienced this ?? say if i was to win the lottery (no harm dreaming) and was to pay all my creditors off i would ask for a settlement figure , has anybody any ideas if u pay the full amount u owe or do some people offer a reduced settlement? ive been paying £1 for 3 months and many have said that is ok for 6…
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Pay off debts with savings?
Hi there I stumbled across this site a few weeks ago and been impressed with the amount of ideas and tips that people have. Can I get your points of view regarding my debt. I have 2 credit cards 1) Virgin that i use for purchases like flight tickets, clothes and try and clear most of it monthly - balance of £550 2) Halifax…
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IVA question
Hi, i'm nearly about to start an IVA, as i think thats probably the best route for me to go, however i was going to claim my bank charges back but i'm not sure how this will affect the IVA when the banks are voting. I thought about waiting till they have agreed the IVA then claim for the amount back even though it will go…
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Bank charge offer - should I take it?
I got an offer for repayment of bank charges from the Yorkshire Bank. I claimed for £4770.00 plus costs plus inteest of almost another £4000. I got to the stage where I claimed through the small claims court and was waiting for a defence to be filed. Got a letter today offereing £4664 plus costs. Should I accept and be…
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I Owe Unlisenced Loan Sharks What To Do
I Have Got Myself In Real Trouble, I Recently Cosolidated All My Credit Card And Unsecured Lending By Increasing My Mortgage, But I Have A Real Problem As I Have Run Up Around £70,000 Debts With Unregulated Loan Sharks And Family, I Feel My Only Opption Is To Sell My House And Use The Money From This To Set Myself And My…
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credit agreements?
erm i just briefly read that if u have not signed a credit agreement its not legal ? that right i never sent the credit agreement back to next when i started to use my account
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Littlewoods being a pain in my bum
I was wondering if any of you lot could help. Long story but will give you the jist. :o Mum got some stuff out of a friends littewoods catalog, sofa and computer.She had £600 outstanding, then uped and moved to Spain. Mums friend was getting on at me about it, and I said I would sort it. He then put the account over the…
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Debenhams Store Card
As a new member i am hoping that i am posting in the right forum apologies if not. I am after a little advice my DH has a Debenhams store card with £1600 outstanding we are not in a position to clear this off at the moment but we have been making more than the minimum repayments (£100 plus the interest), but my question is…
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A Great Way to Save Money at Christmas!
I heard about this whilst I was in the USA last year. The lady I was talking to had a large family - some 14 of them in total. Somewhere around September they all get together and put their names into a hat. Each family member takes a name at random. Then you buy ONE present for that person, at a prearranged amount of…
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I just feel so ashamed
I dont know how I got here...............facing all this debt Tonight I worked out I owe just under 24,000 on credit cards I have just gone through the online budget with ccs and have submitted my details, they have advised they will now write out to me. right now I am feeling like just ending it all
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Earning extra cash while on maternity leave?
Officially started my maternity leave today (woohoo!) and my boss has offered to pay me to go in and do some redecorating and painting displays (I've always been classed as the 'artist' of the nursery where I work and recently redecorated the bathroom which they were really pleased with.. My question is as I'll be on my…
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Newbie DFW
Hi This is a great site - and such a comfort!! I feel such a fool when I look at my debts & it's good to know I'm not alone. I've built up debts since being a student (a mature student, so should have known better!) & have kept "tidying my debts away" instead of paying them off - and then building them up again. I'm a…
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please delete
please delete
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Your Money or Your Wife (C4)
Has anyone seen this programme?
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Should I surrender Endowment Policy to Pay Inland Revenue???
Hi, I am new to this forum but have been reading the newsletter for over 12 months now. I have recently been trying to get to grips with my finances because I am fed up of being in debt due to poor management. I have recently received a large tax bill from the Inland Revenue for £5500, although I pay PAYE tax and I am not…
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what's the first step?
Hello - I'm a newbie, have been lurking for a while, but really need some good advice now. I have recently had to leave work due to stress related issues and my partner also has to stay at home with me. We have two children. Between us we have amassed a good few debts, that were affordable when we were both working, but…
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IVA and DMP? Whats the difference
Been on a DMP with payplan for the last 2 years and has gone down from 16k to 13k, so its a slow thing but better than nothing. See these adverts which state they can get the debt repaid in 5 years as they have a loophole which wipes something like 60-70% away, which all sounds great but does that mean in years to come…