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Can someone help me with credit card debt please?
I have been trying for months to pay off my credit cards but I'm not sure which one to pay more on first whilst just paying the minimum on others. I'm not sure of the APRs but I'm hoping if I list the total amount owed and the minimum payment required that may be of some use and I can get some good advice. Barclaycard…
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Help me out of this 45k mess..... please
45.5k debts (cc and unsecured loans) acquired since 1994 Of which, 3.5k loan is being paid by payment protection currently, and likely to be until the end of the loan (14 mths away), so I feel I can forget about that for now The other loan 14.7k is on an arrangement with interest frozen and I am assured by the company that…
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70k Unsecured Debt...Advice please!
I've managed to get myself into a whole pile of unsecured debt. It has spiralled somewhat due to a number of issues that have arisen. But all that is irrelevant. Basically I have 70k of unsecured debt in the form of 3 unsecured personal loans and 4 credit cards. these amount to minimum payments of £1472 a month. I live by…
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i have remorgaged
My hubby has a gambling problem getting help now but we have a morgage £36.000 secured loan £27.000 and credit card £8.000 and back payment of council tax so the remorgage will clear everything into one payment I know its not the best idea but do need to sleep at night weekley birth day money ; £5.00 pocket money travell…
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cccs
Hi has anyone joined there debt management plan and do they work also have u had any problems from ur creditors. Im going to join this but they have told me that the debt could get passed on to debt collection agency or take legal action.
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HELP! CAB and Bankruptcy
I hope someone out there might be able to shed a little light on an awfully confusing situation. My husband lost his job in Feb this year. I do not work as I have 3 year old twins to care for. We have debts of approx £10,500 covering a loan and credit cards. We are both currently on benefits and my husband is seeking…
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How can I deal this situation?
Background: Alot of our debts (but not all) stem from the fact that hubby set up his own business 5 years ago and its only the last 18 months where he's managed to take a salary each month. His work involves alot of travelling and hence our petrol bill is horrendous. Since I've taken over the finances I managed to clear…
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Full & Final Offer - UPDATE
Hi folks Around March I posted on here a lengthy discussion about wheter or not to go bankrupt etc and what options were available to me - got quite heated in the end!! Anyway to cut a long story short I could not go bankrupt as it would have menat I lost my job. I decided that I would write some Full & Final offer letters…
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ccj
Hi this is my first post(actually it isn't but I think I may have posted in the wrong place earlier sorry)Anyway I have a ccj which has been satisfied(letter from the court/credit card company to prove it).I know I won't be able to get any credit for the foreseeable but not too bothered about that,however my wife has never…
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Student Loan Debt
I'm in a bit of a bind.... I've got about £15K of loans for the Student Loans Company. Interest is arround 2.6%pa. With student loan, 9% of your salary over £15,000pa is deducted. All well and good as I can afford the repayments. But they're not charging me. I've contacted them a few times to confirm my NI number and…
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Are debts ever written off?
I just wondered whther anybody knew if debts are ever written off after a certain amount of time. I'm sure I heard that if a debt collection agency hadn't been in contact for 4 years they could no longer chase the debt - in effect it had to be written off?? Or have I just made that up?? :confused: I am all of a sudden…
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Debt collection
I have a debt outstanding with Direct line which has gone onto the list of debts to be dealt with by CCCS. I have received a letter from Direct line saying that they have terminated the agreement and want full payment of the loan less an amount of interest by 12 may. This i cant pay or it will go to a solicitor/debt…
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Looking for advice
I'm looking for some advice on paying off our debts. We don't have much income left over each month as we recently took out a loan, but , I'd like some advice on getting somewhere with paying off our debts even with our limited income. Income : Take home wages monthly : £1158.62 Child Benefit : £17.00 a week Outgoings…
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should we change banks
after cutting down alot and just taking what cash we really need this week we have incurred £175 in bank charges Is it a good idea to stop all direct debits except the morgage then pay via giro bank to the loans ect if it wasnt for the charges we would be better of my overdraft is at its max we are currantly waiting on a…
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Help Please!
Hi, One of my friends advised me write for help. My son & his fiancee are in a mess and have said they are going to use 'debt free direct' - have you heard of them? Are they kosher or not? they have heard that these people can clear half their debts for them. I have told them to contact CAB or National Debt line but they…
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in debt and on benefits...help!!!
after splitting up with my ex (the father of my two children) 3 years ago, I've found myself spiralling into debt which I can't seem to get out of... unfortunately it's catching up with me...I've got two credit cards - Capital One £500 Barclaycard £500 (both in arrears) and three catalogue companies with debts of around…
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15K in Debit, HELP
My boyfriend has debits of 15k. 9k on two credit cards (Both Barclays) and 6k on a loan. He pays off the minimum each month on the credit cards and has a direct debit set up for the loan each month. We are thinking about buying a house together August/September time, and i would like the debts cleared before we think about…
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Credit card debt paid but
My son had a debt with Capital One, he gave me the money and I paid it in Feb 2004. I have proof on my bank statement that the cheque was cashed. We are now on the fifth credit chasing company re. this debt. We have sent each one of them faxes of the bank statement. When todays letter arrived I rang the latest lot up…
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They want to put a charge on my house!
Hi I just wondered if anyone could help me with some advice. I have credit card debt of over £6K and haven't keep up the payments as I haven't had any funds to do so. I am now seeking part time work as I have a child who needs to be cared for, but the company have now handed the debt over to a debt collecting company who…
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Ltd company/Directors/Secretary debt
Can any company, debt company come back to a director or company secretary for debts of a none existant company. A company that no longer exists, has not traded for over 13 months and companies house has it listed as Proposal to Strike off, but this has been sitting there like that for well over 8 months. Also.............…
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