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Worried.. Earn £28.5k, owe £36k!
As header of this points out, I've taken on too much.. Unfortuantely this is 6 years of spending on plastic catching up on me. I can no longer afford rent and min repayments on 2 loans and a Visa Gold card. What should I do? Worrying thing is I work in financial industry and I'm being trained in my job to be FSA approved.
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I can see it looming
Hi, well, I just had a nightmare explode in my face. At the start of this month I was made redundant due to the southampton branch ofthe company I'm working for being closed. the good news is I've been offered another job for pretty much the same money as I'm on now. the bad news is that I'm being paid weekly, the new job…
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Will they say yes?
Hi Well I have been here before and through advice from this forum I have managed to reduce my debt to 25000, on which I am paying just under £650 a month. My beloved is about to be incomeless as he is giving up his business (Just not financially viable). I have been paying everyone on time BUT I have been borrowing from…
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Nationaide Credit Card
My dad had a county court summons for payment from Nationwide Credit Card. I paid what they asked for immediately from my internet bank account which I have done when I have made payments to Nationwide Credit Card in the past. However, today we have received a judgement in favour of the defendant stating that he has…
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help urgent in debt just found out
please help any advice welcome just found that my husband has signed me and him up for a loan for £27.000 over 10 years. sercued on the house 3 months behind with that he had also got credit cards and owes about £8.000 manage the minium payment on these to he has a gambling problem which I have now discorved since he was…
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I Am A Homeowner And I Still Can't Get A Loan
IF YOU REFER BACK TO 05/04/05 SINCE MY LAST POST Me and my partner are in debt £32000 we need to consolidate debts now urgently as we owe out more than we earn so we are constantly spending on credit cards. I cannot tell you how many loans we have applied for as I have lost count, and the reason they cannot help us is…
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just got my experian credit report
:o I have 3 loans with defaults on CO Op Bank - £5735 GE Capital - £6812 Black Horse - £5129 from 2002 :o I got into a real mess with my money when i went on maternity leave with our son - and these are debts that i have never admitted to my OH :o In 2002 i started with a DMA cos i really didn't know where to turn - I pay…
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Help...I cant sleep with worry
I know im not in as much debt as some people but the worry of my financial situation is causing me sleepless nights and its time I started to try and deal with it rather than ignoring it. My situation is this. I split up with my husband and had to move out of the house and rent a flat. So for the past year I have been…
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will someone help me please
I'm desperate. Will anyone help me? Were do I begin! I am 43, I owe around £70k, on a mixture of credit cards and loans. Not all through my fault. I was a director of a company and my business partner was taking money out of the business without me knowing. He also didnt pay off any off our debts, subsequently I have…
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Getting control of credit card debt
I have balances of around £8900 on Marbles (credit linit £10500) and £4500 on Co-op (credit limit £9400). The cards were obtained when I was earning £25000pa, but the debt has built up over the last 3 years while I was a student, or earning low pay, or unemployed and my husband (a contractor) was having difficulty during a…
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are there any decent lenders for me?
as i stated before, we have put our house on the market, and are hoping to be soon debt free! like i said we are gonna rent for a wee while to get used to a new town, but will want to buy in about 2 yrs. are there any decent lenders out there that will lend to ppl like us other than the dodgy ones you see on tv?? i know…
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Any Experience of New 1 year Bankruptcy Rules ?
I was wondering if anyone had any experience of life after the new 1 year bankruptcy rules as I think it has been over a year since they came into force now. Is it easier to 'walk away' from debt compared to the previous bankruptcy rules? Maybe someone out there has been bankrupt before and can compare the two. I wondered…
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Bank charges.
Hi, recently (the last 13 months) I have been charged roughtly 150-250 pounds per month in bank charges due to unpaid DD's SO's etc... mainly bought about by my (ex) employer not paying on-time, or the correct amount (strangly, never more than I was due, always less!). Each month there are more charges as the charges from…
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Anyone know a better way?
I've been looking at these boards for months now and picked up loads of handy tips, which have helped a lot, so thanks. I'm not desperate, just depressed and wondered if anyone had any advice. I earn £20,000 and am one year into paying back a £24,000 loan to Northen Rock (£310 a month over 10 years). I also have £4,500 on…
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just signing up with ccs
Hi everyone I have been lurking around the site for a few months now. We have loads of debt and after working 7 days a week for 3 years and still not getting anywhere, have decided enough is enough. We are with the CCS and are starting a payment plan with them in a few weeks. What I am worried about now is the reaction of…
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Previous Owner Has Ccj - Help!
I'm about 10 days away from buying my new home. :j Just discovered (via a bailiff!), that the house I'm buying is a registered office of a Company with CCJ's outstanding. :eek: The owner is a director of the firm, but has been living in Fiji since August 2003 - suspect that the old tenants just binned the Inland Revenue…
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Help - Protected Trust Deed
I've spent the last couple of hours reading some of the fantastic advice thats been given out on this site and hoped that some of you may be able to help me. I entered into a Protected Trust Deed 3 years ago past February and am still awaiting discharge. I keep chasing up my Trustee and his latest response is "that they…
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Debt Management Vs Creditors
I have been out of work since February and yesterday was offered work starting in 2 weeks. Unfortunately I have to work a month in hand before I start getting paid at the end of may. Over the last couple of months I have been supporting my family with financial help from my parents but this has not afforded me the ability…
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Credit Scores-how Can I Improve Them Quickly??
:eek: :eek: Hi I am looking for some advice on how to raise my credit score and how long this would take. I have been refused for a couple of credit card transfers and a loan. I am on the electrol roll and have 4 credit cards 1 with mbna limit of 2200 bal @2100 another with my bank royal bank of scotland limit 2500 bal…
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I have small savings but the debt is creeping up
I did think I was good with my money when I started regularly saving in an ISA from November 1999. But now I seem to withdraw from it each year to pay off Christmas spending. I currently have £3,300 in my ISA and a £2,283.05 debt at O% until May. Recently I have been paying about £60 off it each month, and at the same time…
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