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My MBNA account has been sold to MAX recovery
Just had a IVA rejected and am thinking of trying to negotiate with the relevent companys myself......Once my account has been asigned to a third party such as the above debt recovery company what sort of figure are they looking to recoup........the last resort is to go bankrupt which i am trying my hardest to avoid...but…
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My turn
Hello everyone, ive been looking through this site for a few days now and i like the support that everyone is giving. Its my turn now to face the fact that im in debt and want to get out of it. Im not going to try and justify why im in this much debt as i know the only fault is mine. I would just like to ask for any advice…
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Shock Horror a nice DCA
I just called Cabot for a update on my balance and although it is m ore than baines & Ernst (boo hiss) told me it is 20 minutes ago I have to say the man i spoke to was lovely - his name is Tony and he was polte and helpful.
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Short term into manageable long term debt
I've recently bought a house borrowing £96,500 at 113% of the value (£85,000) at fixed rate of 5.99% for 5 years with Northern Rock. I've since renovated the house and its value is now £105,000. I have £16,000 of debt at 0% across 2 credit cards and 3 overdrafts and I'm not going to be able to keep this at 0% for very much…
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BOS offer
re my earlier BOS thread - they have offered us 70% off a debt but not in full and final settlement. We do have the funds to clear it now but I don't know what to do re where we stand on it only being partially satisfied Please help Thank you
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1st First Tracking assignment - any advice?
I've got my first assignment this weekend. Really looking forward to it. Really need to earn the extra cash but due to a new course I'll be doing in a couple of months (and job) really can't commit to a fixed 2nd job so I thought this would fit the bill to bring in some pocket money. Anyone worked with them already? what…
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Small Victory - HUGE THANKS
Got a letter from Capital One this morning offering me £224 in refunded charges. Thank you so much to everyone who has encouraged me!!
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HFC Full and Final Offer!
It will take OH and me 60+ yrs to clear debts with DMP through CCCS. One of our creditors is HFC with which we both have CCs Offer arrived today from them for F&F settlement offer of £5623 on total debt of £10,000. Wish I had £5623 spare.....wish I had £5.62 spare:D Still, its a step in the right direction.
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Debt tracking
After my recent light bulb moment I’m eager to get cracking on the solutions, OH and myself have come up with plans but no I want to be able to track our progress. I was wondering how all keep track of your debts? Any ideas? Suggestions? Any motivational tools you use? Anything you think you might do that others don’t? Any…
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can i have a debit card when bankrupt
is it possible t hold a debit card while bankrupt, effectivly its not credit so is this ok?
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HELP - I don't know what to do
OMG, I don't know what to do!!! We've been struggling for quite some time and CCCS are unable to help us as we do not have enough income to cover a DMP, so what we are doing is selling the house and every single non-essential item we don't need. We've been living on a very VERY tight budget and thought that we'd be okay…
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Citizens Advice Bureau Online Link
Citizens Advice Bureau Online Link - for getting advice online rather than making an appointment. http://www.adviceguide.org.uk/ check list of your family,money, rights & daily life down left hand side.
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Want to save...but want my teeth fixed!
bit of a dilemma the past couple of months. i've found this website which has been great, really getting into moneysaving and i come on and have a a look everyday to keep me motivated! however, my teeth are really squint, to the point its all i think about. dont really like smiling as much and i hate every photo of me…
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Question about debt collection agencies
Hi Everyone, I’ve got a question about debt collection agencies. I’ve had a dispute with phones 4 u for about seven years (totally their fault) and this has been passed through many debt collection agencies all of whom have stopped contacting me as soon as I’ve phoned them and explained that it was phones 4 u’s fault and I…
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HELP baillifs threatening letter
In September 2004 my husband forgot to pay the congestion charge. He totally in all honestly forgot all about it until we received notification in March 2005. We had moved house in that time and although we had post redirected we had not received any communication about it. He went to the local Court and swore a Statutory…
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my debt diary....(yeslek)
well i'v been around for about a month or so now and have made a few changes already. currently monthly earnings £800-£950 (dependant on hours worked) outgoings - £220 - rent £273 - lloyds loan (8.9%) £ 30 - mobile phone £ 33 - currys pc (ends nov 06) £ 84 - ford car credit (ends jan 07) £ 50 - (£946) - halifax credit card…
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Recycling
Is this the best place for this topic? I would like to become better at recycling and save money in the process. What are your very best tips for recycling (or if there's already a thread could someone point me in the right direction?). Cheers peeps
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Sayara Beg - the silly beggars back!
The BBC website seems to want to tout this womans so called debt problems as typical! She admitts to being asset rich but cash poor and owns a BTL porfolio. I don't see much of that here? What I do see is people with genuine debt problems trying to sort them out, for which you can only be commended! I urge you to complain…
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Sky - Taken from another forum.
This is taken from another forum I found.
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Scared,Excited, Delving into the unknown
:eek: :confused: :D Erm I have just closed my financial dealings with Gregory Penington.............. I have a financial interview on the 7th October with CCS............... I have written to all my creditors I am pursuing 2 companies atm for charges BUT Apparently CCS gets funding from some of the creditors It doesnt stop…