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cccs apt in an hour!
and i am half nervous, half relieved.........i'll let you know how it goes!
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Is the CAB debt advice free....
....for everyone or is it means-tested? I ask because a friend of mine who is in a load of debt said the CSA refused to help him as his and his wife's combined salariew were too high. I'd never heard of this before. Knowing my friend, I think he either didn't go to the CAB, or didn't want to take their advice. Or am I…
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How much?
We have a debt with CITI card which has now been passed onto a debt collection agency, the card balance was £5500. we are paying just a token amount each month, but now the collection agency has said that we could make a full and final payment and that they might accept a lower amount So my question is how much lower would…
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What have you spent today? Tues 11th July
Hi folks! Have spent £19.90 in Budgens on groceries, mostly bogof's though so quite a bit of stuff. On the way home got some limes, 7 for a £1. Resisted the urge to spend £3 on a nice pair of reduced shoes in Peacocks as I decided I would probably never get a chance to wear them, even though they were so cheap!
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New Member saying hello
Just a quick note to say hi to all you guys, I stummbled accross this great forum when googling for info about reclaiming bank charges and now I'm hooked, theres so much great information here its going to take me months to get through it all :rotfl: anyway, looking forward to joining in with your discussions soon :beer:…
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Trying to reduce telephone/mobile costs per month ...
Now that I'm hopefully on the right road now, my bf and I seem to have got into 'how can we do that cheaper' mode and our mobiles is something which we're looking at now. We both have a mobile, I'm currently locked into a contract (only 3 months to go till it ends), and my bf who has had his mobile paid for by the place he…
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DMP and mortgages
hi everyone! quick question for you; I'm currently on a DMP and own my own home, myself and my partner would like to sell soon, my question is this: would we be able to get a joint mortgage or will the lenders run a mile because i'm on a DMP? Best wishes Luke
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mbna round for tea?
hi all, i've been on a dmp for about 6 months now sending out letters from national debtline. creditors have agreed to temporary arrangements with reviews thereafter, except mbna, who have'nt formally accepted my offer but have cashed my pro rata cheques nonetheless. during this time they've been continuing to add interest…
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car insurance when bankrupt
hi can any one tell me if you can still get car insarance on monthly installments when bankrupt and what companys they are i have posted this on the insaurace page as well but there is more people here than over there at the min or has any one had problems getten their car insaured at all while bankrupt thanks
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End of Month Reckoning\Achievements
Well, I know it's not quite the end of the month, but I'm feeling quite proud of myself. :D I logged in on this board on the 13th June, feeling pretty damn hopeless. However, with the good advice from here I have : 1) Managed to sort out a proper budget, and DFD. :cool: 2) Managed to reduce my shopping from 80+ quid a week…
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Being on the CCJ register SUCKS!
Arrggghhh...I'm being a good girl, and really working hard to clear my debt...however I have 2 CCJs from 'before the light' :rolleyes: But because I'm on the register, I get sent lots of lovely junk mail, for loans etc. My favourite so far has been a £100 - £500 loan for the bargain basement price of 177%APR :eek: :eek:…
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My SOA
Hello, i posted earlier today and thanks for the ammediate and reasuring response. As advised i have compiled my SOA in hope of any further advise to my seemly endless debt. Just a little info about me as i feel its the least i can offer when recieving such invaluable help. My name is Neil i'm 28, i run a small business…
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Is It Any Wonder I'm In Debt?
Just been having a look through my credit report! :eek: OK, since I was 18 I have had; 6 loans 15 credit cards 3 hire purchase agreements 3 mail order accounts Oops! :o
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Quick Question...
Ok, Im thinking of consilidating my debt to an egg loan. Now for £6000 @ 7.9% = £6,985.92 payable back. Now 1k seems alot in Interest to me. But, how would I work out What I'm paying in interest at the minute? So i can see if it's worth the consilidation loan or not.
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New Quidco Blog
Just thought I'd tell everyone who's interested in Quidco or having trouble with the site that I've started a new blog to help. Sorry if this is in the wrong place in the forum! If i get enough interest I'l try to update the blog more often. http://quidco211.blogspot.com/ Thanks, .ice211.
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-42k
hello, i posted a while back when i was £50,000 in debt. i'm still not much better off. i have a egg loan for 30,000 a cahoot loan for 12,000 a abbey card for 4000 and a virgin card for 1800. i'm paying 0% interest on the cards and the loan apr's are 6.9%? with egg and 5.1%? with cahoot. I have stretched them over the…
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Need to get a grip
My wife and i have just purchased our 1st home so i decided it would be a good idea to get a grip on my finances and this is how they stand Capital one Credit card £3,166.74 @ 3.94% £272.90 per month in total £996.82 @ 13.21% included in above repayment £4,839.18 @ 19.89% included in above repayment Egg Credit Card…
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progressive financial services
Hi everyone I recently joined experian and equifax to see what state my credit file was in.. My experian was not too bad- any problems on it are now settled but the equifax one is showing as having a defaulted account for progressive financial services for £991 Progressive Financial Services Ltd (I) / XXXXXX Loan 12 @ £ 62…
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Action Plan - what do you think??
Hey guys, Today I decided to try and physically sort some stuff out rather than just talk about it. So I think I got some where with some places like MBNA (woohoo!!) I hit brick walls with Egg (Boohiss!!!) Anyway after some phone calls I think I have a plan of action, please tell me if what I am doing is a good idea or bad…
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My F&F cheque has been cashed.
We sent a cheque in Full and Final Settlement in the sum of 12p in the £. (£400) To the debt collection agency, for a debt we've had for over 3.5 years. They cashed my cheque on 7th December. We received a letter also dated 7th December saying "further to your recent enquiry we are willing to accept £2761 as short…