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think i've fallen off the wagon a bit
Hi everyone, Well, I originally started posting in November, when i had my lightbulb moment and took lots of actions then and was really good for a month or so. However, since xmas I have fallen off the wagon a bit. I haven't made my debts worse, but have lost some momentum for sorting them out. :o I've not been very well,…
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Payment Protection
I was contacted last week by telephone by a young lady explaining to me that I could claim back on monies that I had spent on Payment Protection plan. I have a loan in which I am paying and she said she could look into it and claim money back as even if I was out of work, nine times out of ten they wouldn't cover me anyway…
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A Bit Of Advice
Hi all just would like a few pointers on what to do next,as the debts i've got are becomming out of control.i've got a £18,000 loan,£6000 on a credit card and a £95,000 morgage take home 1600 a month morgage 700 inc insurances c/tax 102 gas 43 elec 36 tv 12 acc ins 11 pension 20 sky 22 pet ins 25 house ins 30 telephone 40…
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Taking Control - My DFW Diary
After much faffing around, I'm finally ready to start this. I've got my plan of action, and I'm gonna stick to it! Here's my SOA, with amendents/plans in red (which will all be put into effect as of this week): Income: £1054 per month, from benefits and child maintenance. Expenditure: Rent - £420 Electric - £50 - getting…
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moozies/paps ~ weekly challenge ~ w/c 17th feb 08
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Need help with my SOA!
Hi all Here is my SOA. Initial notes: ***I am a single parent*** ***Am being made redundant at the end of March*** ***Am awaiting recalculation of HB and CTB due to a reduction in hours at work*** ***Don't receive any child maintenance at present. Tax credits overpayment from joint claim with ex so are jointly liable, also…
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Need advice on spiralling debt
Don't know best course of action - can someone help? Husband is semi-retired and earnings between us, including pension = £2170 Monthly Expenditure; Mortgage: £712 Council Tax 125 Pet Insurance 51 (two dogs) Life Ins 17 tv licence 25 Service fee 25 Gas/Electric 50 Bank Interest 50 (on overdraft) Loans 175 Telephone 25…
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snowballing...?
Hi I've heard a lot of people refer to snowballing.... how exactly does it work and how do i work it out? ive tried searching for info and cant find it on here! :o
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Help Needed - Debt agency
Hi Guys, I was previously in a fair bit of debt, around 30k, but I am now debt free, or at least I thought so. I had a letter from a company called Debt Managers LTD. saying I owed Aktiv Kapital £389. I thought this had been settled back in '03. What further compounds it, is that I do not know where the debt originates…
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Someone Please Give Me Peace Of Mind :-(
i got a letter the other day saying i owed £2500 from a car i had on finance in 1999,i aparently last paid something in 2003,the total value was £6800 and i paid off £4000 and then met (my now wife) and moved to swindon where she was from,and kind of got side tracked and stopped paying for one reason or another(not…
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Calling Patchy987 ....
.... come in Patchy - are you receiving me?:D I'm here with my calculator standing by to help. I've got to pop out this afternoon so if you don't hear from me straightaway it's not that you're being ignored - I'm going shopping (I know I shouldn't (look at my sig!) but there you are). I'll have a look for you when I get…
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Help Please
Guys, I'm stuck, I really need some advice. Having a major dilemma... At the moment I earn about £285 a month and get my student loans/grants of £1556 each October, January and April. My outgoings are £280 a month. The first lot of student money was lent to my brother, the second lot paid for my car accident and £300 is…
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Ccj From Ex-employer
Hi to all, Can you help me please ? I have received a CCJ from my Ex employer for £3000.00 . This is because they overpaid me over the time i worked with them. The amount accumalated over 2 years believe it or not and they didn't notice until i decided to leave !!! I honestly never had a clue. I was paying this off a…
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HELP - anyone out there got advice?
Hi, trapped in IVA I can't pay. Payments already down to minimum creditors will accept, currently running with a deficit of £121.00 per month and can't clothe the kids or make ends meet. Have all but decided to go bankrupt as can't go on like this. Cannot trim outgoings any further. Has anyone gone for bankruptcy after…
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can someone tell me how they find out where a telephone number originates from
I'm sure I saw it on this board but can't find it. Is there a site where you can type in a number and find out where it originates from? Thanks
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Why do CCs insist on communicating by phone not letter?
I am currently in discussions with several credit cards regarding arrears and everytime I send a letter they refuse to answer by mail and insist I call them. Why do they do this and are they allowed to do this? Is it approved of by trading standards and the FSA?
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Worried About Fiancee's Debt?
I have been living with my better half for about 10 years so she may as well be my wife but I'm a bit worried about her debt. At present I pay for food,electricty,phone,oil heating,sky,TV lisence, and her debts which amount to about £6-7k infact I pay for almost everything. She pays for her half of the rent and items for…
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ccj and time limits
does anybody know if there are time limits for ccj's from serving the claim to proceeding with the claim. I was issued with a claim agaimst me in 2006 - until the present date the claimant has not proceeded with the claim. I admitted the claim and returned the forms but it has never been dealt with. Can the claimant use…
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SOA - am I doing it right?
Hi all, having look at other threads for a while on here I'd like some advice please. It's a long one! Lightbulb moment was my partner becoming pregnant and realising we'd need to clear the debt to provide for the lil'un. It's all my debt and not hers I should point out. I built up the debt from earning too little to pay…
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Help please Debt from 1998 i'm confused.
Hi, Please can someone offer me some advice on this situation. I received a letter today from a debt collection agency for £304.30. I rang the agency because as far as I am aware I don't have any outstanding debts. The lady confirmed it was a debt owing to littlewoods from 1998 at a previous address. The thing is I don't…