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MSE community
i just can't believe how big this site is becoming. Every day there seems to be more and more people appearing asking for help with their debts. The stories are all so familiar - there must be so many more people in the country that are in similar situations and not knowing / able to manage their finances. I feel like part…
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Help with real problem debt (credit card)not in my name
Hi I am new to this board and have been trying to find a way to ask for help with this for weeks. It is a credit card debt(company that deal with older people) in my mothers name, but she gave me her card years ago and I ran up the debt. We were all unwell and spent it on supporting my son. Just supplements doctors bills…
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Bit of good news at last
Hello all. I'm fairly new and don't type or reply to many peoples problems but certainly read plenty. I think this site is the dogs dangly bits, and the help and support people give to one and other is great, top notch, humbling and worth siting here for hours on end just reading. Anyway, not to go into loads of detail,…
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Maggots!
Ok, not quite DFW, but I thought you guys would appreciate my indignation! (Mods, feel free to move if necessary).I recently bought some rice from tesco - only to find that it was full of Maggots :eek: . I've dashed off a complaint letter, but just wanted to see what you guys thought. I've pasted my letter below - am I…
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I am trying to help me brother out of a 30 grand debt!
He owns to 5 credit cards and has one loan. no idea what else to put at moment so here goes.... i have already asked for the interest and charges to be dropped, most have done this, bar the loan (goldfish) i have also asked for a reduced repayment plan on all but the loan and one of the credit cards. i have been told to…
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Feeling Worried and Need Advice *with SOA*
I really need some advice, motivation and help putting together some form of action plan. After being desperately unhappy in my job and being ill on and off throughout the year, the doctor has signed me off for 2 weeks with anxiety and depression with the view to signing me off for longer. I decided enough is enough and…
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Allocation questionaire? Bank charges
Hi Guys, A quick bank charges Q - I've already posted on CAG, but no one has replied yet.... I filled in and sent off my allocation questionaire with the help of the court manager (did EXACTLY what she said!!!) a while ago, and today I received a copy of lloyds' allocation Q and a note from the solicitors asking for a copy…
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Disaster!
Just need a moan as things just keep getting worse and worse. We have managed to clear quite a lot of debt, still have a way to go but felt we were on the right track. Was delighted when DH(who many of you will know has had serious health problems.) got a teaching job which was fantastic. They would only give him the job…
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Aqa
Who here is an AQA person, can I have a quick Pm advice with someone about applying??
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Advice Required For Debts
I currently have around 10.5K od debt which most of it is with Collection agents due to unforseen circumstances 2 years ago. Basically I would like advice on what to do as I am struggling to pay all of my creditors every month. Total Debts are £6,900 - Natwest Loans with a collection agent call FCM (I think) £3,000 -…
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Im revitalised :)
Just wanted to share with people who understand, rather than just an "oh right, ok" and think its odd ;) To cut a long story short, i was getting a little disheartened by all the money saving and was beginning to slip (you know, buying sandwiches at lunch etc) But then my Grandma, completely out of the blue, gave me a…
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Newbie advice?
What essential money saving tips would you give to a newbie? i.e I have acquired a Tesco Clubcard, Nectar Card and Co-op card to gain points and vouchers and such like. What else should I be taking advantage of?
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Capital One
Ahhhhhhhhhh!!!!!!!!In one month the above lot have sent me an application form to borrow up to £100,000!Wonderful interest rate NOT!So this time they can have back the application form torn up in there post paid envelope.
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SOA at last
Hi I've had a big change in circumstances and decided to ask for any advice in case I'm missing something I've just seperated from my oh so I just have my income now. I work for an agency so my wage is irregular but I've put my lowest wage that I've had this year. I have a 16 yr old who has left school but doesn't have a…
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How much have/will you spend today Wed 20/9?
Good morning fellow DFWs :hello: Another sunny day here and another good day inside. If only every day was like that eh…. :rolleyes: I have spent 70p on a newspaper this morning. Yet another pointless search for a new job :mad: That’s it for me for today. I have my lunch with me and dinner is in the slow cooker as we speak…
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A new wave of 'help' requests
I have noticed recently that a few poeple on this board are posting complaining that lenders will not freeze interest, fees etc etc simply by being asked 1st time. To begin for a lender, there must be reasons for them to justify this. They dont lend cash for free. I no longer work for a bank, and work tirelessley for other…
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Best Bank Accounts with O/D facilities
I graduated over 2 years ago - and in that time my free overdraft has been cut from £1500 to £500 (fortunately the 1k is still there, fee free but at about 9.9%). Given the low interest rate it's the last of my debts I want to clear, but for various reasons (like hating HSBC over many things) I really want to change bank.…
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P/T Job - Slightly Daft Question
Guy's, This might sound like a daft question and one that may have been answered before but could anyone point me in the right direction on the following: Speaking to a girl at work today and she told me about a mate of hers that earns a tidy little p/t wage typeing up transcripts of police interviews. she does not work…
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23+skint!!!
hi i just celebrated my 23rd birthday last month and im in serious debt!!! all i do is worry or cry!! its eating me up!!! the last two weeks have been the worst!! ive managed to keep it a secret from my mum and dad and long term bf for years but yesterday it got so bad that i told my bf, who in turn made me tell my…
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Littlestar1981's Debt Diary and help really needed
I've been addicted to MSE for a month now, jumping on the bandwagon with regards to challenges about eBay and things, but this week I seem to have been gradually sinking deeper so thought if I could post an SOA maybe you guys could help me out?? I live at home with my parents, which is great as I pay minimal 'rent' and…