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chinese takeaway!
i really want a chinese tonight but feel guilty after being on here! what do you think lads and lasses shall i splurge?!;) i've been really good all week and not spent!:j Does any one wanna join me?! you can bring the booze!:beer: :p
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Bankrupt owes money?
I have a friend who was bankrupt about 15 years ago. Creditors have recently written to him demanding money. How is this possible? I thought all debts were cleared when someone is declared bankrupt.
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Deleted
Deleted - sorry xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
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Beginning to understand
Hi everyone, I've just got to share a quick story with you- I entered into my DMP 6 months ago with just over 50K in unsecured personal debt:eek: Last week, I went to Prague with my Mom who is visiting me from Canada (before you all say anything-I used AIRMILES to pay for trip I got from my Tescos clubcard;) ) and had a…
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Claiming back bank charges?
I have read in a few threads about claiming back bank charges. It there a thread anywhere that explains this in more detail ie. what charges can be claimed back, for how long and how you go about it. If there is can someone redirect me? If not can someone answer these questions please.
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What have you spent today, Sunday 20th August?
Hi did a search and couldn't find a thread on this topic for today, so have started one, hope no one minds... Don't know why I have since I've had quite an expensive day - spent £25 on a present! & £4 for the window cleaner! (yes I know I should clean 'em myself, but I'm so crap with ladders & heights). So, spent lots of…
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Considering bankruptcy - I'm at rock bottom
Hello to everybody, I'm new here, so please be gentle with me. I'm at the end of my tether, not sure which way to turn. The worry and stress of my situation is now making me ill and affecting my whole life. Basically I am in 68K of debt. I'll give you some brief background history so you can understand how I've go to this…
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Help Cristening invitaion.
Help! Every time I think I have a cheap week coming up something happens. We have just been invited to a Christening next week. I have told my OH that we are going to try to avoid any expensive social events but I can't really get out of this one. How much would you normaly spend on a Christening gift and has anyone got…
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IVO Advice
Im not sure if its an IVO or an IVA but hey you get what I mean :) At the mo Im on a DMP via CCCS my debt free date is years off, an IV what ever was recommended to me at the time my DMP was sorted out but it wasnt an option because my hubby was not a where of my level of debt and also we have a joint secured loan. I have…
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first appointment with CCCS - a DMP is is really that simple
hello all firstly thanks so much to all of you who took the time to read and reply to my first post- those of you who are currently lurking please please please bite the bullet, tot it all up, wirte a post on here and give CCCS a call, the longest journey starts with one small step and believe me you will feel better !!…
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Business Account
Am trying t open a business account but have debt which is being managed by Payplan. Have bad credit score have been turned down by one bank. Which bank is more likely to give me a chance. Business doing well just need an account.
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Debt repayment vs savings
I've been on this forum for quite a while, but this is the first time I've bared my soul and posted my SOA, so please be gentle with me! :) I would like some advice on paying back my credit card vs saving... Basically I'm just in the process of moving my one credit card from Virgin to Natwest on 9 months 0%, but I have…
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What would you do?
Hi Everyone!:j Will make this short and to the point! Made Redundant 2003 5 credit cards, 2 loans went into a DMP, all payments on time! Oweing currently £15,000 OH expecting our first baby!:j :j :j OH debts are currently £13,000 No defaults no bad credit what so ever! OH will be out of work for maybe 3 years Should I…
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Can I get defaulted twice for same debt?
Hi everyone My first post here, been reading this forum alot over the last few weeks. Im in the middle of reclaiming bank charges and trying to clean up my credit file. I had a credit card with TSB who defaulted me on it and it was passed to a DCA. I wasnt informed this was getting passed and since getting my credit file I…
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Death, debt collection agency / catalogue being very sneaky...
Person died in december, in janurary received letter from debt collection agency (intrum justia) - after sending death certificate etc saying: "Dear ... We confirm that this account has now been removed from our files and no further action will be taken. Yours sincerely." Now, in july, been passed back to the catalogue…
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Egg default for £5.81?!
I received a letter about a month ago saying my online Egg credit card had a default notice on it as I had an outstanding amount for £5.73 on it. I thouht I'd cleared this account ages ago but made the payment (regrettably forgetting to print out a payment confirmation). Since I thought I'd cleared the account is the…
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DFW @ Christmas ?
Im sorry to start mentioning xmas already but planning is the key to a debt free xmas, im new to budgeting and wonder how all you DFW plan your xmas, cost of presents, what do you allow per person? where you buy from. food costs and cost cutting tips.. My oh has 2 children and we normally start about now, buyin stocking…
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Remove Default on Credit File
There is a £17 default on my stepdads credit file from Vodafone for a mobile phone contract. We have now paid this off and I was wondering if it would be possible for this to be revoked or do you think vodafone would leave it on to teach a lesson ?
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Would this financially link us?
Hi, My boyfriend and I have just started living together, he has a really rubbish credit rating and has got himself into lots of debt.. but were sorting it all out bit by bit...and should be able to clear all outstanding debts in his name except his mortgage this week.... But obviously now comes the task of rebuilding his…
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I love my snowball
As some of you know I have a lot of debt to deal with, about £80000 without the mortgage (£60,000). I know loads of people will be using the snowball tool already but for those who havent or those who waiver when spending money... go have a look. Basically the snowball shows you the best order to pay debts off in, the…