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Help needed - Not sleeping now cos I am so worried!
Hi - I am using my husbands user name - He has said I should post on here to see if I can sort out my debt! Basically I have a loan over 10 years with 9 years left on it that costs me £165 per month and I have 2 credit cards that are up to over £8000 between them and I have a Next account that is over £1200. I earn £800…
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Spectrum - good or bad?
I've built up an enormous amount of debt but now live in the US, I'm sending monthly payments back in order to cover myself but between being freelance, the charges to send the noney back, and the weak $ to the £ it is crippling me. My friend used Spectrum and I have an appointment with them tomorrow morning (I'm in the UK…
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Student Loan
Hi I am graduating this year and wondered what you guys thought about student loans. I owe a staggering £16k, will be doing a teaching course next year, and so will start earning next September. :eek: I know I'm looking very much to the future, but do you think that this should be paid off ASAP, or should I just ride it…
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Have I caught it just in time?
Have I caught it just in time? I sincerely hope I have. I am 24 year old struggling with debts. I am, however, in a fortunate position in living with the folks and not paying any rent. My debts are as follows: Credit Card 1: 7860 Credit Card 2: 4325 Credit Card 3: 1056 Bank Loan 1: 984 Bank Loan 2: 4650 Overdraft: 1700…
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Just joined CCCS
Hi there, This is the first time I have posted on here so I really am a newbie in that sense and I really just wanted to post a message for all those people out there who are doing what I have. I have been reading this forum in particular for the last YEAR!!! knowing me and the other half had a huge debt problem and…
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My Budget
Here are my figures from the budget form - this was quite easy to fill in as I've had a budget for years in Excel. It's nice to have all the formulas already calculated, though. Phones: £27.72 (one in office, one in house) Internet: £23.99 Mobile: £7.00 (PAYG) Private Medical Insurance: £15.40 (will stop when start new job…
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Can I make a complaint?
Hiya, I've been reading these boards for a while but this is my first time psoting so please be gentle with me :j I got a letter through the post from the Bank of Scotland saying it was a default notice for £1500 for my overdraft. I called and spoke to someone who demanded the full amount there and then. I said that I…
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Advice needed on my debt situation and where I should live?
Gday fellow debt-free peoples, hows things? :j Well I have been lurking on this board for a bit now and thought it was time to write my story. Sorry that Im an Aussie and this is a Pommy board but Im assuming debt is debt no matter where you live. :D First of all thanks for listening and here is my story. I am 36 married…
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Paying off the Debt Collectors
In my younger days I was pretty irresponsible with money which resulted in a personal loan and 2 credit card debts being handed over to debt collectors. I've been paying them off for a couple of years at an agreed rate but am having real problems getting credit, I can't even get a switch card which is really inconvienent.…
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Bankruptcy
Hi, A friend of mine has got into a very bad position and urgently needs some sound advice so I'm trying to do some research for him. Firstly, this is in Scotland. He has two kids and a wife and their house has just been reposessed after his bank account was frozen. He is also out of work though his wife is still working.…
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Are You Like Rosie
ARE YOU LIKE ROSIE? ITV1's Tonight with Trevor MacDonald are looking for "impoverished middle-class professionals, who are funded by plastic and a valuable house". If you or someone you know is interested, fits the bill, and wants a debt makeover from me. Read this. More detail about what Tonight want "buy now, pay later -…
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Natwest Sold My Debt - Have I Been A Fool To Keep Paying?
About 8 years ago, when times were hard and my hubby had no work, we had an overdraft and a car loan with Natwest. We went to a debt councillor at our local council offices who advised us to open a new bank account to put our income into and abandon the debt at Natwest in order to get interest frozen. Anyway, that worked,…
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In debt and confused - help?!
I'm a single Mum in trouble. It started with a £500 credit card, the limit of which was increased bi-annually, then I tried my hand at tarting. However after a catalogue of disasters I was using credit cards for the various emergencies which arose. I now have a debt of approx £4500 between 4 cards and 2 overdrafts, and am…
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In today's Times (3rd May)...
...there is a feature on how to live more thriftily from day to day, stop living on plastic and get in control of your spending. There is even a week-long example of the writer, Sarah Johnson, recording all her spending. Unfortunately, she doesn't exactly set a good example - on the last day of the week she blows £215 at…
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Need help with credit report.
In the past I opened two student overdrafts and used one for an ISA. I didn't realise that I had to make regular repayments into this account (call me stupid but I just assumed it would be better to pay off in one lump sum) This seems to have messed upmy credit rating. I have an excellent payment record on my other…
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7 More Months Til Debt Free Ness!!!!
It feels like yesterday that I was posting this: http://forums.moneysavingexpert.com/showthread.html?t=10940 Yaaaaaay!! :0)
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offer letter template please ??
HI all, Am starting the long process of making offers to my cc companies and catalouge and i was wondering if there are any offer letter templates out there that I could base my letters on, !! I`m not being lazy would just like to see what to include. Is is reasonable to ask them to stop interest, and ask them to accept…
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Ccj On File
Afternoon All Myself And My Partner Have Been Going Through Her Equifax Credit Report On Inspection We Noticed A Ccj On The File. The Ccj Is For An Uni Fees. We Just Wanted To Know If This Paid In Full Can She Have The Ccj Removed From Her Credit File??????????? Also She Had A Barclaycard This Is Showing 2 Defults One From…
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Should I Declare Myself Bankrupt?
Hi All, I need a little help if possible please! I am married, with a 4 year old daughter, that is Autistic. I have a full time job, and currently i am on a debt plan with the CCCS. I have Debs of over 75 thousand, my salery, is around 26k. My wife works part time and is expecting our 2nd child in July. My Property, is…
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Help Please! Paying off CC debt
Hi, I'd really appreciate any advice you can give! I have around £23k in cc debt spread over 6 cards. I have recently moved some of this around so that most is on cards offering fairly low rates (5.9% , 6.9%) for the life of the balance transfer. My minimum payments are around £550 p.m. I can only just afford this right…
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