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Bank putting pressure on me to pay in full!
Can anyone help. I am quite desperate at the moment. I have been reclaiming my bank charges and it has got to the allocation questionaire stage. I will be filing that on Monday. However, following my redundancy in Feb the bank returned lots of dd's which really drove the charges up. I contacted the bank and informed them…
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Dealt a bad blow and now my family suffer
Hello, I am a 38 year old father of one who has recently realised just my money situation is out of control. I apologise for the dramatic title but I believe in being honest! Before I outline my debts, may I firstly explain how I managed to get myself into this predicament. Ten years ago, rather than file for bankrupsy, I…
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newbie SOA!!!
Hello hello! I'm Neeky an Aussie living in the UK (oop north), happily married, beautiful 1yo daughter and some debts!! Have had the lighbulb moment and decided to get cracking on debts. Background Naive 21yo arrived in UK after living in Sydney with parents and having no money know-how. How bad was i? ummm well I put…
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Standard life ?? Value today
. Where can i find value today to calc. my windfall?? .
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basic bank account with the co op
just how do you go about opening one? i like the idea as i can get an electron card which would be usefull i have the nationwide basic but its only a cash card
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Going bankrupt
I posted a few days ago with a long post about my situation - applied for an IVA which all creditors except 1 (the biggest one) accepted. So we were looking for another solution. We have almost definately decided to file for bankruptcy, but need a few questions answering first. We have decided on this because the amount we…
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finally done it and a big thanx
i have finally plucked up the courage to ring payplan i have my appointment on fri and feel a little better ,when the creditors ring telling me i have to pay this or else i tell i have an appointment and they suddenly change one otr two get nasty ie morgan and stanley but i ignore them and send token payments as advised i…
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Just picked up cheque
from the post office, Natwest paid out for my bank charges.... woop woop :j , i can now pay off more of my CC and close that blasted account!! Hooray for friday and good luck to all those still trying to get their charges back!
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Going Bankrupt After Working For The Insolvency Service & My SOA
I have been reading this forum for a few months now, and finally joined last month. My situation is a bit unusual in one respect but so similar to many people on this board in that I have £28k worth of debt. I guess I'll post my SOA first so you know where I stand :) SOA; Incoming Incapacity Benefit - £95 pw (£411 pm)…
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Bad DFW day yesterday
Hi all, Just as I was feeling really on top of my finances i've had a major set back. On a roundabout yesterday an elderly man decided to plough straight into us, luckily me and DS are find but car doesn't look so good. He must have been around 90 had no idea what he was doing, and when he got out he said "that's the…
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what are my options?
hi everyone! In a bit of a financial mess but my main problem is we own a flat but seriously want to move to a house, what are my options- currently own a flat bought for £57,000 currently worth £ 80,000 have £20,000 worth of unsecured debt currently being handled by cccs through a DMP what's best- remortgage, forget the…
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Are my calculations correct?
I was reading through moozie's "To scared to work out what I owe" thread earlier and I came across some advice from Southern Scouser about how you calculate how much you owe on a loan. I took a loan from my bank 12 months ago for £20500 over 60months at a rate of 17.7%, paying £502.97p/m. I am going back to the bank soon…
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please advice
has anyone heard of a debt managemnet company called payplan that doesn't charge for it's service like cccs please if anyone knows if there are the real thing let me know
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Well here goes
After a number of years of burrying my head in sand about my debt (i.e. awaintg a large lottery win) I have totalled up my debt and have decided its about time I took it by the scruff of the neck and made some in roads into it. I owe roughly 44k, spread over several cards and two loans this is broken down like this: mint:…
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Help
After taking help from CCCS I have decided to make myself bankrupt I have a few questions I hope this forum might be able to help me with: Egg have will not let me to make a payment to the Tax man using monies in my saving account - is there a way I can free up this money - £1200? I have no assets and at the moment live…
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Credit report
Hiya, I'm a newbie to all of this....and just about managing to pull my head out of the sand after way too long. :eek: I registered for the AnnualCreditReport site and am a bit confused to see only a few of my debts listed on there. I'm having letters from a creditor chasing me for the outstanding balance owed to…
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Admitting how much debt you have
Im curious to discuss whether there are others on this site who feel unable to write up the full extent of their debt in their signatures Ive been interested to read various threads as to how people got themselves into and out of debt and I feel that Im making inroads into dealing with my debt and i see it coming down…
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Emigrating
Hello everyone! This is my first post on here, (in fact on any forum anywhere!). I know the topic doesn't sound very debt free wannabe, but I wondered if anyone had any information that could help me. Cutting a long story short, the company I work for has a job going in Paris, (at the airport), and the missus has always…
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what can we do??
Hi everyone, Me and my girlfriend have a 1 bedroom flat currently valued at £80,000 paid 57,000 for it, we desperately want to move to a house but I am stuck on a DMP! how can we achieve our dreams or are we stuck in this flat forever?:mad: what can we do? Best Wishes Luke
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This does work. Dont doubt peoples advise
Hi I came on here some months back with dire financial problems. I follwoed a lot of advis eon here , looked at thousands of posts and am now starting to feel the benfit of taling to creditors. Ok , my credit rating is shot to pieces , but I dont wnat credit anymore or ever again. Anyhow , the advise on budgetting has…