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statutory demand
My son received a statutory demand letter from Connaught Collections today. It details a debt of £6000 owing to 1st credit for a Lloyds debt. My son last had dealings with Lloyds about 4 years ago when he had a student current account. He seems to think that he paid off any debt, about £1000 overdraft, that he owed them.…
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Bad break up need advice
Hi there i am new to the site so please bare with me Here is a brief story of my tale of woe, basicaly October last yar my wife of 3 years comes home drunk and tells me its over, since found out there was a lot more to it but i dont want to get into it too much, anyway being the nice guy that i am i went a moved in with my…
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The odd bet...
Anyone else here like the odd bet but sometimes find it getting a little too often? I wouldn't say I have a huge problem with gambling but I'm begining to spend more and more of my money on it! I've tightened the strings on everything else but it seems completely different when it comes to betting for me which is stupid…
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Need to brainstorm
We've been offered a 3 bed house :T . It's on a new build estate and is built with a lot of eco-friendly materials. But it is a 50 minute walk from school, though there is a walking bus we could use nearby though either option means leaving the house at 7.45 in the morning. Middle child starts in the nursery attached to…
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Free (or Nearly) Activities?
I’m sure this has been said and done before..... I want some good ideas for fun & free activities, I think it would be a nice idea to share. Personally I am looking for individual / couple (beside the obvious, lets keep smut off MSE) type activities but there must be some great ones for kids and families. I think outdoor…
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Approaching Welcome Finance about DMP
Has anyone had any experience of informing Welcome Finance that they are unable to pay their loan and will be entering into a DMP? What sort of reaction can be expected from Welcome?
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whats all the abbreviations?
I know CCJ only too well but theres loads you lot use and I have no idea what they stand for Please indulge me Gary
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Thanks, free, for changing your sig, but....
Free's signature has been wishing a 'HAPPY NEW YEAR TO ALL M(I)SERS', although I see that she has, now, bowed to pressure from other forum members - not me, I hasten to add - and deleted that phrase from her signature. However, the question still remains: Have our MSE habits, in particular our 'DFW' habits, turned us into…
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Debt Advice Needed
Three years ago I had a contract phone and credit card which I ended up being unable to pay. I owe each company around £300 and received regular letters from various debt agencies trying to retrieve the debt. I basically ignored the letters but I have realised now how stupid that was and wish to reach an agreement with the…
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Can you get CCJ or Default twice on the same account?
I coudnt afford to pay my overdraft account in 2006. so I got a default on it after 3 months. i received a letter last week saying that i will get a default or a ccj if i dont pay up. can they put a default or a ccj again on my credit file for the same account. this is inconvinient because a default or ccj damage your…
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New Mastercard Advert - is this a sign?
I know this might belong in the arms, but it scares me in there, and I like it here... Anyway, just been having a huge rant at OH (poor thing!!) as have seen that mastercard advert yet again and I really really really object to it. For those who haven't seen it, it shows various children being let down by their parents…
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moment of shame SOA
Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1320 Partners monthly income after tax....... 0 Benefits................................ 75 Other income............................ 0 Total monthly income.................... 1395 Monthly Expense Details…
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Have just applied for a new job with more hours..Tax credits question
Have just applied for a admin job with the NHS. Im currently working as sales assistant only 8 hours a week as I have 2 kids. This job Im applying for is more hours (18 hours). Im hoping I get it as its more money and more hours. Only thing Im worried about is childcare. I know my mum would look after them 1 day a week but…
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Global vantedge
Hi, We are on DMP via CCCS and today received the following from global vantedge Your mbna account has been referred to us due to you outstanding arrears. MBNA values your business and has asked us to work with you to resolve your current outstanding arrears. Please contact ys on 0800404602 to make a payment via a debit…
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Sunday 6/04/08 What small dfw things have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Alone & had enough!!
I'm sitting here feeling so sorry for myself and have no one to talk to so sorry to put it all on you guys but then i wouldnt blame you for not reading passed the first sentence. We are so badly in debt that have decided to sell our house to get out of it. We are on a DMP with CCCS and our debts will take until 2034 to pay…
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The DFW Weekender Thread.
Mooooooooooooooooooooorning :D
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Crossroads- I need some advice
Hello to you all. Would you believe I have only just discovered the joys of MSE! I have been taking a look at the debt free wannabee forums and I’m hoping someone may be able to shed some light on my situation. I owe about £42k (SOA below). I own my own home (with partner), have no ccjs, defaults and I have a good credit…
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Bad break up need loan advice
Hi there i am new to the site so please bare with me Here is a brief story of my tale of woe, basicaly October last yar my wife of 3 years comes home drunk and tells me its over. Since found out there was a lot more to it but i dont want to get into it to much, anyway being the nice guy that i am i went a moved in with my…
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sun bingo?
hi wanting to go on sun bingo and heard that somewhere on here it tells me how to play without paying but cant find the thread can someone direct me please?thanks ash x