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Help we're sinking....fast
I really don't know where to start, sorry to sound so vague. I have been married to my husband for over 20 yrs and have always been left flabbergasted at his attitude towards money. To cut an extremely long story short, he has many credit cards that he has had difficulty paying off for years. In December he was taken to…
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Selling your unwanted bits and bobs....
Hi all! Other than Ebay and Amazon, is there anywhere else I can sell my bits that I no longer want/need in order to raise extra wonga? I've been a naughty girl and ebay kicked me off so I cant sell there - didn't like them anyway! :p Thanks!
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Advice for my Debt please :-(
Hi all. I'm just about to buy a property and have a little debt I would like to consolidate. Below are my details. Debt: YB Visa - £1500 Nationwide Loan - £1300 Completion Fee on Property (bill) - £3000 Resources: Virgin CC 0% BT - £4000 Limit Cash - £2000 I wish to free up £2000 though for furniture for my new house and…
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CCA Liverpool Victoria
Hi I was wondering if someone could offer me some advise... I had an insurance policy (contents) with Liverpool Victoria . Towards the end of the policy I stopped paying as I could not afford it . I never made a claim . They sent me a letter about two months ago stating I owed them £70 so I called and asked them how I owed…
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strange request - can anyone help?
Hi This may sound strange one, but i would be so grateful if someone could help me. Last week there was a programme on debt ' tonight - new year debt buster'. I think it was on Friday night. Basically they spoke to people that were in debt especially after xmas, etc, and running up cards, etc. They also spoke to a woman…
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HSBC lost credit card payment - pls help!!
Hi everyone, I hope you're all okay!! I have a problem with HSBC and would really appreciate your advice! I made a payment to my HSBC credit card 24th December 2007 using the machine where you pop your pay slip and cash in the envelope and into the machine! The queues were huge so this seemed the easiest way! Then 2nd…
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Student Debts Linger
I have a student overdraft and a student credit card that needs paying off asap so i can be free of Loylds TSB once and for all. Any tips on how to pay off this burden, other than the wages i already earn (i am trying to pay them off with my wages but it doesnt seem to make a dent in them!) Each month i go overdrawn and…
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debts not yours
Hi all, I am wondering if anyone can tell me if i suspect a debt that is done by identity fraud how should i write back to the debt company or should i contact the police? Thanks, value
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Please help with my SOA
I have finally sat down and wrote out my SOA and it is worse than I thought. I am writing this how I think it's meant to be but if it's wrong I'll apologise now. I have done as monthly payments (4 weekly) although I do understand some months are 5 weeks. INCOMINGS: Hubbys wage (take home) £927.00 W.T.C £197.40 C.T.C…
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Another call for help
Hi Our situation is feeling pretty desperate & while we know there are folks worse off than us it feels like we are staring down the barrel of a loaded gun right now. Basic debts of £9,000 on overdraft & credit cards - we switched card balances in November but are struggling to make a payment at moment. Currently paying…
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Newbie
Hello everyone I'm not sure if I have posted in the right place, apologies if I haven't. I have been trying to pay off my debts for a few years now, paying them off more than usual for a couple of months then spending on the cards. I finally had enough of this and took out a £6200 loan (plus interest and PPI and interest…
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How long can a Court Order be set for?
My son was ordered to pay back £70 a month for some money he stole from his father. At the time of sentencing I heard one of the Court Ushers say that the order can only be set for 18 months. We cannot find out anywhere if this is correct. Can anyone help. He has been paying the money back every month and tried to make…
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Do we sell and rent or hold on?!?
Hi We are sinking deep at the moment, we owe about 85k in secured debt and 17k on credit cards. The only equity that we have is in our house, which is a 4-bed worth about 195k (based on a 170k mortgage). At the moment, our outgoings are more than our income. I have posted these particulars on another thread which I'll post…
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council tax arrears bailiffs
hi sis in law has got bailiffs coming back later this afternoon she owes approx 750 did owe more but has paid 300 off at 50 a week she cant afford this but has been at the expense of other bills they are also adding big charges although i havent the actual amounts til later on today missed payment over christmas they…
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Any HSBC customers or others help??
I claimed back charges in September 2006 and they gave me back around 2/3 of the amount. I took it and signed something (which i think means i cant claim again). Over the past 2 months I have had around £400 worth of charges (maybe a bit more) due to being made redundant last month and having serious problems paying DD and…
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Daily Chat Thread 14th Jan
Morning all... how's everyone doing? Got any plans for today? Nothing exciting for me today, although our band practice last night was great fun even though one of our guitarists wasn't there as he'd hurt his back.. the singer we auditioned was really good and really enthusiastic and we're all getting together again next…
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Welcome Finance
Hi everyone. I have a loan with this company which I pay £124.00 per month over a 3 year period. Has anyone ever got a settlement figure from this compnay are they very approachable? The loan I got with them cleared off many of my little, reduced bills which I would of spent a lifetime paying off, and this one with Welcome…
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Template letter!!!
Hi, Does anyone know of any links to template letters to send to debtors to ask them to freeze the accounts and send them all details of income.... Thanks Mel x
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Which bank to choose?
Hi all!!! Just want your thoughts on something..... I bank with lloyds and have a credit card with them currently at £6K @ 18.9%. But Ive opened an A & L account and would rather bank with them and change when I move to my new job next week but when I went into Lloyds the other week the guy in there said that if i closed…
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finally phoned cccs!!
Hi and good morning everyone Well I finally phoned cccs and got myself a debt remedy. I only have one problem now and that is that we can't start the dmp until the end of the month/early next month as hubby is newly self employed and doesn't yet have a commission statement so we can't prove our income. Also I'm a bit…