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Mama's getting her groove back...
:D Hi, everyone! I'm Jodes, I'm 31 and live with my husband, my two kids (DS is 8 and DD is 4), my mum, and our 4 dogs :eek:. The past year has been tough, my dad had a horrible illness and during his 4 months in hospital, I struggled to cope with juggling everything, so signed up to a DMP with Gregory Pennington. My dad…
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equita...please help :(
Hi am new to site stumbled across it whilst searching out info on Equita, have read have spent half the day reading through but still cant make head or tail of it :( Council tax debt. First letter from Equita is dated 21/10/2010 states- On 24/8/2010 the borough obtained a liability order for recovery of outstanding Council…
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Winnie wants out of the Pooh!
Hi Everyone! My name is Winnie, I'm 29, live with wonderful DH, DS who is 10 and we've just found out I have a 4 week old bean in my belly and whilst we are over the moon :D we have also gone into meltdown with worry! The first hurdle for us is completely out of our control - 4 weeks is very early - so we're praying for a…
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Pay off debts and start saving for travelling
Hi all, been lurking for a while and now time to post! After living with my head in the sand for several years and paying off minimum amounts I'm now determined to be debt free by the end of May 2011 and to be able to start saving for a travelling adventure and then for a deposit for a house :) I actually made a start in…
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Rainy day
Evening, . What a miserable rainy day it has been, i have spent afternoon curled up with a nice book. The DC have caught up with the homework & watched a DVD with popcorn (2 for £2 from Tesco), had to buy veg for lunch so spent £8.28 in total, not so bad. Had beef in freezer as i buy a big joint when it on offer so get a…
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polka purpura's it's not all money diary
Hi, this is my attempt at a diary that I have tried many times to post but end up deleting. I have a small, no, insignificant debt, see signature, this is a nuisance but one day it will be gone to be replaced by a deposit either on my own or hopefully with a significant other. The reason I am creating a diary is to deal…
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Echos of the past. Do lenders save credit file searches?
So, I apply to MegaBank for a credit product, and they look at my credit file and say no, as there is a large unserviced debt on there. Roll on 6 years, and the debt has fallen off my credit file. I apply again to them - are they entitled to/do they remember that they looked at my file 6 years ago, and that 8 years ago…
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the diary of a girl who got herself in a bit of a bother
Hi I'm rather new to the forum (although have lurked for some time). My first post is in the credit card forum so if any of you can help it would really put my mind at ease. I've got myself in a bit of a bother and hope that keeping this diary will help me remain positive and keep pushing to become debt free! I started off…
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Crawling out from under my hole
After almost two years unemployed I have landed a job in which I start on the first of march. The job is a field Sales role in which hitting target will be essential to staying employed. The basic Salary is £18,000 and the ote is around £30,000. As I said while I know I cant count on that, the simple fact is, if I dont…
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Suzanne's journey
Hi all, Decided i'm gonna write a diary in here, to meet some friends, and also just to vent my thoughts! I find writing thoughts etc down to help and it's easier to do it online so here goes. Im Suzanne, 24, just moved into my first house with my fiance (got engaged nye :D ) Started a new job 5th January which I love,…
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Get Tink out of trouble 2011!!
Ok i have decided i shall start my diary after reading loads of great stories and having some great support after only recently joining this site. I had my LB moment on 01.02.11 and ill not lie i felt physically sick and massively ashamed of the situation i have allowed myself to get in. Im 25 and live with my DH and DD…
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The Positivity Thread
Hello Money Savers! I only really use the debt sections of the forum, and the striking thing about many of the threads I have read is the constant negativity that is present throughout. Quite frankly, it gets me down! I am not going to sit here on my throne and judge - I use the debt sections of the forum as I am paying…
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A Ditherer's diary
Hi, I've decided to keep a diary, mainly to help myself keep on track with my efforts and to keep me motivated. It's probably going to turn into a little space for me to have a moan too. So a bit about me. I'm a married working Mum of two. I have a 5 year old and a 15 month old. The latter being a happy accident but she…
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Lurking too long...
Debt Free Dreamer x
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MOTOR INSURERS BUREAU brings in the debt collectors. Advice needed please!
:( Hi can anybody help advise us please? My husband received a letter yesterday from CLOSE CREDIT MANAGEMENT DC's, acting on behalf of the Motor Insurers Bureau, saying he owes them £43578.52. It seems the MIB paid out on an accident he had on 05/06/2003. The MIB are saying he was uninsured at the time. He had a producer…
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letter to creditors---help---
I have just joined Payplan and have downloaded the letters i have to send to my creditors. The letter states that i cannot meet the minimum monthly payments, but i have to write the reason i cant pay these payments, and i am unsure what to write. Has anyone any ideas please.:eek:
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New job, new life?
Hello everyone! I started a thread on DSW recently as I had a problem and didnt quite know how to go about solving it. Everyone was so encouraging and helpful that I wanted to let you all know how my new job and my new life was progressing. Actually to be fair its my first day tomorrow!!! So progress isnt the right word. I…
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I'm a wannabe!
Thats right, Iam a wannabe debt-free junkie (not literally). Iam a 23 yr old shopping tragic. I have had a few attempts at gettings my debt and saving under control, and im still not better off- So here we go again, third time lucky. My current situation & Aims.... 9000k Car Loan 6500k Credit Card 8000k Canada Trip =…
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flower power's quest to be debt free
Hi I have eventually decided to start a diary. Have used MSE for a while to get good deals for various things and also been a lurker on this forum but at beginning of January this year took stock of our financial situation. Have managed to do a few things from start of this year to cut costs like switching insurances,…
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Debt Free Diary / The Moving Out Savings
Right, so i've been talking about moving out of my parents house for years and now it's time for action. I am here because I get paid on the 27th of each other and I spend ridiculous amounts and end up scraping the barrel (today is the 6th and I barely have a penny to my name!). So, there's not alot I can do this month,…
