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Life Gets in the Way of Clearing Debts
My wife and I have spent that last 2 weeks sorting out our finances, and we have gotten ourselves a realistic plan to solve them by mid next year. But then life throws obstacles in your way which seems to be mana from heaven for those lovely bailiff men. In October 2004 our boiler stopped working, during the worst time of…
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Weekly Budget
Just trying to set myself a weekly budget. I was thinking £150 to cover, food, petrol, clothes, entertaining, household purchases, eating out etc etc per week. This would be the only expense over and above my regular bills (mortgage, utlities, childcare - essentials only). I would like advice on a) Do people think this is…
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Slow Payer?
I bought a Tv video and dvd combination on fiance and asked the collecter to have a two week break from payments until i got my car fixed? She said no problems as the Tv was £1200 and had been paid down to £495. I recive a letter two weeks later saying if i dont bring my missed two weeks payments upto date? they would…
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£50 winnings ..... what to do with it???
Hubby has won £50 on fantasy football competition at work, what should we do with it for the best? pay it off my credit card? pay it towards 3 month catalogue arrears? pay it off bank overdraft? pay for weekly shop with it tonight? It will get used for something sensible whatever, but not sure which. Our debt busting plan…
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Bounced fees
Hi, Newbie here so I will give you a bit of background. Moving on from what was said earlier about consumer credit agreements and never signing them, I was financially in the schtuck last year due to an employer that never paid me. I approached my bank and asked for a temporary overdraft whilst I looked for work and they…
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debt busting just isn't happening for me
Well, have been away and got married, had the honeymoon and arrived back to the usual financial mess. Before I went away I had a nice plan all worked out, and it was all going to be great. But so many unexpected things have cropped up since, like school photos for the kids £32, hairdressers £15 (although first cut in 3…
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How Much Have you Spent Today 28/6
Hiya thought i would start the thread today, i have spent the grand total of £0.00 and hope fully by the time i go to sleep tonghit that will still be £0.00 have brought in lunch with me so no problems there woo hoo!!!! lol :money: Have got £5 to last me till payday which is the 1st July so am on a very tight budget…
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In need of advice...
Hi everyone Firstly let me say how fantastic everyone is on this board, helping out everyone else. It has been an inspiration to read! Now then onto my problem... I am classed as a single mum, on benefits, that has no debts and pays everything ontime etc etc. The problem is my fiance. He lives with his brother as my…
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Some interesting info from a PDF on the debt free direct site
Hi, Found some interesting (and rather surprising) info in a PDF I came across tonight while doing a google for 'joint iva'. E.g. 'For each IVA that proceeds to maturity , DFD derives fees of £7200 exc VAT' I thought fees were typically £3000 ish? This seems to be explained later on as they get £75 per month + VAT…
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2 IVAs been suggested, one for me and one for the wife.. is that really necessary?
Hi, I've been speaking to FCL (payplan) tonight and they're going to forward my details on to Shaws insolvency re doing an IVA. The thing that has surprised me slightly is that I was told that 2 IVAs would be set up, one for me and one for my wife. Now my wifes individual debts total approx £6000 (I think that's the max it…
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New current account before doing IVA, will it be ok?
Hi all, I popped into Halifax today to enquire about current accounts as I need to open a new account before I start an IVA and before my credit rating is so bad I won't be able to! About 20 mins later the account was open, debit card and cheque book provided (well to follow in the post). I asked for no overdraft but at…
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How much did you spend today? 27/06
Helloooooooooooooooooooooooooo. I have spent a big fat £0.00p today. The last few days have been a bit tight as I transferred my money over to my savings account, and probably could have done with keeping a bit more to spend rather than saving what I did. Its payday Wed, so have £10 to last til then, will probably go to…
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Bank Loan - should I?
Hi all This may well be a no-brainer for many but I am so tired of mulling everything over in my mind that I need a fresh perspective. My husband has continued to run up debts on credit cards even after we paid them off - he is appalling with money and has no concept of saving whatsoever - not an unusual situation I know.…
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Please help, i'm stuck in debt
I got into debt 3 years ago, getting credit cards to pay off other cards, but then more things came up, christmas and birthdays etc..... so i needed to spend on my credit cards....minimum payments went up and up and i just couldn't afford to keep paying them every month... I am a student nurse at the moment due to graduate…
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Should I take a loan?
Not too sure if this is the right section but any advice would be most appreciated. I have currently graduated and am about to enter full time employment in london as of mid July, I have a mortgage on my current property and intend to rent it out whilst I rent in london. I am currently sitting with about 5K of debt (not…
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Egg Loan
Hi guys i have unemployment and life protection on my loan is it worth me getting these taken off? If i do take these off will i have to start a new loan or will i be able to make the payments minus the PPI?? :o Any help would be off great use cheers guys
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Debt and court advice please
My husband and I contacted Payplan some time ago (they are great). They pay each of our creditors a set amount each month. Each of our creditors have accepted our situation and have agreed to accept the reduced payments and freeze interest and charges all except FIRST NATIONAL! They have bombarded us with telephone calls…
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sell the house and rent from the council
hi all you may have recalled my post about hubby gambling problems,and what we owe after weeks of number crunching i think we going to sell this house clear every debt we have get rented council accomadtion if we dont give back what we owe the house is going to be repposed. am i thinking clearley was at one point going to…
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Keep Calm & Don't panic
I have read many threads with a great deal of interest and wish I had time to read them all cos there is so much help out there. I thought I would do what I could without going over the same tips and the only thing I could think of was to share my own story and spread a little hope!! My husband and I got married 5 years…
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help needed!
hi, im a newbie here with a problem... last year my wife and i split. she moved house. but we reconciled and she moved back at christmas. however, when she moved, and her address details changed, for some reason the bank((abbey) updated my details saying that I'D changed address too. all my correspondance with the bank…
