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Princess is taking control
Ok, so I've been in a pickle and I've been very stupid with credit but I am now taking the reins and sorting it out. This first step alone is filling me with a sense of achievement. I have decided to go down the route of self-managed DMP (eeek!) and still have the option of outside help from free companies if need be. But…
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Equifax
Today I started to make an Equifax account but not too sure if i have finished it?! After entering my personal and card details i cliked next step and a messege came up telling me to call customer services to answer a few questions. But how do I know if my account has been made?! I havent recieved an email or anything and…
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2 years to clear most of my debts
Hi, I've FINALLY started to take my debts 100% seriously. I have been in a self managed DMP, making payments to my creditors each month, but this is getting tiresome and I need to get sorted else I'll be paying my debts off until I die basically. So today I paid off 2 bad debts and the remaining balance of a "good" debt.…
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the road is long....
finally after having my lbm and contacting cccs i am starting a dmp, this is all my own fault (with help from dh and kids) but i want to gain control again and this is the way forward. yesterday i cut up all cc and felt great....reality today feels scarey as my car needs work (local lad doing it on cheap) but dont think i…
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HBOS Card comes back to bite me...
Hi all, an old debt on a Hbos card has crept out from under a rock and bitten my butt. :mad: It's just been sold to Halifax and the last time I did anything with it was August 2007, since Hbos is a Scottish company does Scottish law apply or is it English law because I live in England. If scots I might be able to claim…
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Still a student - but aiming to clear debts!
Hi :) Thought I'd introduce myself here - I'm a 22 year old student studying for a PhD. I've just moved from London (where my troubles began) back up North. To give a bit of background: When I applied to university, I assumed I'd get help/support from the government. So I went to a very good London university, and did well…
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Journey to the bottom of the debt pile
Hi all, new post from a new user name but an old MSEer, I’ve been debating whether to start a thread as so embarrassed to have racked up the debt. I’ve still been reading posts and gain inspriaration daily from you guys on the money saving and the debt repayments. I’m not going to post a SOA as again embarrassingly enough…
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MY journey with debt, being a mummy and starting my own business !!
Hi, i've been a member for a few years now and tbh i haven't done
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4 Bed house by 2016!
Ok so this is my diary. I have been a long time lurker and follower of MSE and always dip into the OS boards and have managed to get my grocery shops to about 100 for me, OH and his 3 kids (every second weekend) and 2 wee dogs. Total debt is just over 22k, 18 of that made up of OH debts. both of use combined bring in about…
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dallas does debt REDUX
oh dear - I think I'm having my lightbulb moment RIGHT NOW - sweats, shakes, slight delirium then total panic? I just applied for a loan from my bank to restructure my debts only to be flatly refused (as I had expected). Just going through my expenditure and openly talking about all my debts with the lady at the bank was…
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Flying solo
Hello Folks, This is my first diary. Until last week I'd never seen this section of MSE, then came across a story that is so close to my own it left me reeling. The author of that thread has inspired me to get my act together a bit better than I've been managing so far; this is the record of my progress (or lack of it on…
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The road to freedom! Time to make some changes!
Right here goes! I've been lurking for a while, just reading and have come to the conclusion that a diary might be the thing to keep me motivated. Especially if I can keep coming back to it and seeing where I'm going right! A bit about me first. I'm 26 and back living with my parents after uni and 6 years of living alone.…
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My Diary Challenge
Hi, After getting a bank statement with £85 worth of charges on for the second time this year, its pushed me harder for a resolution in becoming debt free. The story so far..... After the accumination of several redundancies and the credit crunch leaving my industry, Financial Services, in tatters me and my wife were deep…
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The best version of me!
Not been around for a while but I feel it's time to get some focus back and start actually achieving a few things :D A bit about me - I'm in my 40's and live alone as a long term, but not sad, singleton in a rented apartment. I work full time in a job I mostly like but which doesn't really have prospects, and a long…
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Who Moved My Cheese?
Hello Everyone - I'm a LONG time lurker and admirer of all of you, who after having a major LBM has now decided to take the plunge and start a diary of my own. My LBM came immediately after reading the book Who Moved My Cheese, by Spencer Johnson. My Mom gave me the book after I was recently promoted into a management…
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Better Late Than Never...
2 failed marriages, 2 divorces. Expensive. Not using those as an excuse for 100% of my debt, but they didn't exactly help me while trying to sort my finances out. I'd been burying my head in the sand for way too long and missed multiple payments. I decided to add up all my debts: * Lloyds TSB Loan £10,396.28 * Lloyds TSB…
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A long time coming, a dfd.
Monday 6th August 2012 A long time coming. I’ve not been much good at keeping a diary, be it a personal one, a food diary or a spend diary, however I am going to give this a go as I really enjoy reading others diaries on here. I discovered the MSE weekly email alert a couple of years ago, but only really discovered the…
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Credit Ratings - Bank Total Incompetence
To date I have undertaken this whole saga on my own. However, I thought I would share the story and try and get some 3rd party opinions now also. It spans over a year and is quite complex but I will try and put the salient points in a summary. In a nutshell I have been trying hard to honour my agreements with my former…
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"Unless someone like you cares a whole awful lot..."
"Unless someone like you cares a whole awful lot, nothing is going to get better. It's not..." - Dr. Seuss. Hello, this is my first thread on this site and hopefully will be my saving (;)) grace. Partner and I have decided we are going to have a baby next year :j so need to kick start the saving and paying off the debts. I…
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Fresh Start
Hi, I used to be really active on the forums but haven't been about for a while and am trying to get my head/life together again. It used to help me so much coming on here and chatting to others/getting ideas/having a rant and getting things off my chest and really kept me on track and motivated. I've started getting…
