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Post CCCS interview
Well, I had a nice hour and a half interview with a very nice lady from CCCS. After working through everything, I have more going out than coming in by around £250 a month. her suggestion is to offer the two credit card companies £1 untill I can re mortgage the secured load which should give me around £500 a month free to…
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Advice Needed Please
Hello As i have mentioned previously i am in serious un-secured debt (around £84k) over several credit cards & loans. To make things worse i foolishly lied on some of the application forms re salary & housing status to get the credit. I have swithed my bank a/c to one not connected with my creditors & i am going to change…
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Credit card advice
What would people advise me to do? I have paid off one of my credit cards this week. My new situation is: MBNA - o/b - 3910.00 NatWest - 0 (maybe a bit of interest, this the card I have paid off this week) HSBC - 0 - cancelled as of this week MINT - 0 - in the process of been cancelled. The interest on the MBNA card is 6.9…
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How to ask council to freeze old council tax?
Until last month, I lived in a rented flat with my boyfriend. Both our names were on the lease. At the time of signing for the lease, we were both employed and could easily afford the rent and council tax (It was a nice flat with stupidly high council tax). Murphy's Law kicked in, and I was made redundant. We prioritised…
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Spending diary???
OK.. Today is pay day. Want to start a spending diary but not too sure how I should do it? Should I just do a running total of my bank balance or what im allowed to spend only What do you find is best??
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DMP vs IVA
I am in the midst of getting rid of Baines and Ernst who make fortunes out of idiots like me but today they called and asked if I have considered going into an IVA. They stated that my debts at the moment will take 16 years to pay off but if I took an IVA they would be written off after 5 years. Can someone explain this to…
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hello i am new
hello i am new to this sight, i have read lots of good advise on this sight , so have just started a DMP with cccs, but i have a question if anybody can help we took a loan out with universal credit who then changed to paragon finance, on this sight a while back someone mentioned that if your loan was a universal credit…
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Should I quit my job?
Hi Guys After my LB moment last year I took another PT job 20 hours a week. My original PT job is 8 hours and I have a business that I run from home. My family want me to quit one job-the 8 hour one and use the time to concentrate on my business, which has the potential to earn more (£20+ an hour compared to £5.75 for job)…
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**** need advise, pretty please***
Hey there, Tried to get a buddy from the list but no reply, can anyone tell me what to do next? I've followed the instuctions on the website to the letter and managed to get Hallifax to offer me £300 (even though it's nearly £900 they owe me in overdarft charges) I know it says on this website to refuse the offer & hold…
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Prepaid Mastercard From Western Union
Has anyone heard about this? :confused: Apparently you put money onto the card and are then able to use it like a normal Mastercard. Benefits being you dont get into debt because you can only spend whats on there, but you can use it anywhere where Mastercard is accepted. I am going to New York next year and would like to…
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credit score
My credit score is not to good well it could be better.The problem is i have paid credit cards or store cards late i have no ccj or anything like that.I was wondering if i paid everything on time from now on how long would it be before my credit score inproved?also when it says things are taken off after six years is that…
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Clothes - Treat or Necessity?
My question is about clothes – Do you guys see clothes as a treat or a necessity? Since my LBM, I have not bought any new clothes (apart from maybe the odd £3 top or something) because I’d always classed them as treats. But I’ve come into work this morning looking like a right scruff! I’ve got a safety pin holding my…
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SOA-Sorry I know it's sat'day night, does anyone have any inspirational ideas please?
Right then... (deep breath) Lightbulb Moment :idea: 07/06 Monthly Incomings: My salary - £652.46 Tax Credits - £361.45 Child Benefit - 71.50 Maintenance - 162.50 Total - £1247.91 Monthly Outgoings: Rent - £420 Council Tax - £78 Water - 31.84 Gas - £22 Electricity - £47 TV License - £11.37 Phone (land) - £18.00 Phone (mob)…
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Got that Friday/Pay Day Feeling
and its dangerous..... really really really tempted to go shopping at lunchtime ahhhhhhhhhhhhhhh
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Legal and Trade Collections Ltd
Has anyone had any experience of dealing with this DCA? Husbands Next account has just been transferred to them after months of threats from Next. He is dealing with his finances through CCCS and Next were the only one not to accept the plan, paying £5 a month on £100.91 owed (they wanted £10 a month)
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Free of debt or poor?
Hi, I just start my career, I am at the cross road here. Either I save my money and live poorly before buying thing or I buy lot of thing by taking loan. Which is better, save the best for last or live while you can?
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Halifax Head Office - Address
Hey/ I just googled this and got a few different addresses. Can anyone confirm the address? Thanks
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debt collection question
just wanted to check something really as have been trying to help my friend get her finances in order. If someone has a debt, and the company to whom it is owed get in touch to recover said debt just over 5 years later, can they still recover? I only ask because back in the days where i was a recovery officer for the…
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Smiler Monkey? LittleL? The 18k challenge misses you!
Has anyone seen Little L or Smiler monkey? they signed up for the 18k challenge and I haven't seen hide nor hair of them since! Anyone seen them?
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Front loaded loans question
Hello DFWs :) I posted this on the loans board thinking it would be the appropriate place but it's so quiet over there :rolleyes: Was wondeing if you have any pearls of wisdom for me please. Quick question please - can't believe this only occurred to me today but there you go. With front loaded loans, is there any saving…