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Paying Off Ccj,s
WHATS THE BEST WAY TO NEGOTIATE THE SETTLEMENT OF A CCJ WITHOUT HAVING TO PAY THE FULL AMOUNT OWING :confused: :( HELP.
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Bit of a pickle
I've been a silent observer of these boards for ages now and have saved many pounds and pennies thanks to everyone's helpful hints and tips. Now I could do with some advice myself. After working hard and saving hard we were down to just the mortgage on the 'debit' side. But we've recently been hit with a double whammy -…
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There Must Be An Answer!
VERY NEW TO THIS AND NAMED MYSELF "ANGELOFABUNDANCE" BECAUSE I LIVE IN HOPE! My partner and I are on a Debt Management Programme with CCCS who have been fantastic. We've made real progress and our debts are reduced from £50,000+ to £22,000. We know that even after we have paid off all the debts it will take some time to…
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I've Got A Serious Problem With Egg - Can Anyone Help Me?
Two and half years ago my husband and I applied for a loan with EGG - after agreeing to it straight away online they then put us through the mill with the paperwork which after 21 days they still could not get right. They got the account number wrong for the DD and then the name on the agreement wrong. While all this was…
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Snowball calculator
Hi everyone Been scouring the internet to find a debt snowball calculator (not too complicated - must be user friendly) for my newly divorced friend who has no idea how to tackle her half of the financial mess left at the end of her marriage. Any one got a link to one I can use? I had one ages ago but I must have deleted…
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Gas Bill Pickle
My relative has approached me with a problem that goes a little like this: Since they moved into their current home some 18 years ago, they have never had a gas bill. They live in a cottage rent free as part of a salary package. Gas payments are not included however. I think they thought they could get away with it, but…
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Back too basics!!!!!!
Hi everyone, I have read some of the posts and i understand how you all feel. I find a good way of making sure that all bills are paid is by doing one simple thing and that is each week i put X amount of money into a envolpe or money bag when i get my wages. E.g electric £10 Gas £5 Phone £5 Food £50 and the list goes on. I…
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Advice Needed !!
Hi there all Im new as you can see and im after some help we have got to the stage where we can not go on like this anymore my wife and I have 2 children aged 4 and 2 and because she has been a mum to them we have now come to the stage where all the credit cards are at there limit and I need some advice on how to sort this…
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I'm Learning Already
Thanks to all the advice I have already got, I have switched gas & electric companies and saved £152 a year. I have also just visited the shopping forum, got the code of a tesco voucher, done my shopping online and managed to do my grocery shop for under £50 using a £10 coupon :-)) Think this site will be good for my bank…
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Debt left by partner
My previous partner has left me with debts amounting to £4800 which was supposed to have been paid from the proceeds of the sale of our house. I have agreed to pay £50 per month to the debt collecting agency and would like some advice as to how I can repay this debt, either by taking out a loan for a specific period or…
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Which way to go...
Hello All, Just thought i'd give this forum a try as it seems great to have a place to discuss these matters with complete unbias. To cut a long story short, I have got myself into a situation where I need to either become bankrupt or go for an IVA. My main debts are credit card, bank loan, overdraft and a upcoming demand…
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Try and try but never manage
Hi, I have been reading this site for a while but this is my first post. I have got the book and read lots of posts on this site but sometimes it seems as though we will never be in a situation to actually save any cash. My husband works and earns a good wage, about £2000 a month after tax. I am a student in my final year.…
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Very Depressed And In Debt
:confused: :o :( Hi, I dont know whether the following is real debt or whether I am just panicking over nothing? My Accounts are as follows; TESCO Personal Loan - £5000 - 6.5% APR BARCLAYCARD Personal Loan - £2500 - 24.9% APR BARCLAYCARD Visa - Credit Limit, £1800 - owe nothing - 18.9% APR RBOS Visa - Credit Limit, £475 -…
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the "Free Me From Debt" Process has begun!!
Hi All, Well I have taken the plunge to becoming debt free ( if you dont take into account the mortgage!!) I have transferred the Virgin £ 4150 @14.89% to mint @ 6.9% for life. this will then leave me with £14516 A&L loan £354pm £9100 Barclaycard @5% life £200p/m £6491 Barclaycard @5% life £150p/m £4151 Mint @ 6.9% life…
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cant cope with debt....please help
situation income which I clear = £800 expenditure: HSBC Bank Loan = £269.96+£49.98 insurance...33 lots to pay off....apr 9.9% HSBC Credit Card = £3898....owe.....this month was £117 payment, £55 interest+£30.55 payment protection 1.527%apr a month Store cards: USC= £890...Not sure what interest rate is on top of this NEXT=…
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Newbie
Hello, I have only just registered on here but have been receiving the emails for a while. My partner and I are in debt to the tune of around £16,000. We are currently coping with the repayments as I have already sought advice from the CAB for my personal debts. However, partner also has debts which were brought into the…
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Introducing myself.
Hi everyone, I've just joined this board. I hope to be able to help people in here as I have been a former bankrupt (now discharged) and have managed to turn myself around so I am completely debt free with £1000's in the bank and own my own house...all in the space of 3 years. WARNING. I am extremely blunt in the way I put…
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Real Stress
Have a £100,000 mortgage on a £200,000 house Owe £20,000 on several credit cards, all up to the limit. Loss of job last july, wages reduced by a third with new job. Just cant meet demand anymore. tried applying for 3 new 0% credit cards to put all on one transaction to give breathing space, but refused as wages now too low…
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Do you have to stick to high rate ccs if you can't get further credit?
Hi everyone. My husband has one cc and so do I, they are both near their limit and have quite bad rates. Mine is a student barclaycard (but now I don't work so I can't apply for another), husband's is 18.9% but he has defaults and I don't think would be able to get anything else. We also have a car loan. We think we can…
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Son's Debt
My Son will be 20 this year, he has not had full time employment since he left school 4 years ago, he has done a day here and a day there, he is in so much debt, He owes Egg card 5000 pounds, they gave him the card without checking out if he was working he applied for it over the Internet, of course my husband thinks it's…