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Graduate with debts- advise
This advise is for my brother a former tax dodger (student) for the last 4 years and soon to be teacher. I am trying to help him sort his finances out but there a joke. He owes the student loan company £10,000. He has a Halifax credit card with £1800 on it and £2000 on his overdraft with the Halifax. I've told him to start…
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debt advice
newbie here and computer newbie to so pls forgive! upto about 7 yrs ago id ran up debts to the tune of about £13,000 big ones. All of these were passed to debt collectors and a few went to the courts.The one that went to the courts have all been payed.But several are still with debt collection agencies,I have been paying…
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Friend's desperate... due to tax slipup..HELP pls!!!
Morning all, I have posted this on benefits etc thread, but not much help so far from there and then i realised it would be alot better off here! :o I had a phonecall yesterday from a friend of mine who's at her wits end...... Summary...her husband was working for a company up until about 3 mths ago, which supplied a…
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Help to settle some debts
Good evening am a newbie here 1)I have been a silly guy and went overdrawn and got bank charges on 3 bank accounts - they werent current accounts just basic accounts. the debt is still outstanding but the accounts are now closed. I just wanted to know if the debt from the above will affect my credit rating. I have got…
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Lumbered by being a guarantor! Can anyone give advise!
I desperately am seeking any advice that i can get. I was stupid enough to finance a friend with a loan to get a car a few years ago. The initial debt was £9,000 and is now £6,500 my so called friend has done a runner on me with the vehicle. The finance company have been helpful enough and are letting me fill in an income…
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Best way to consolidate
I was wondering if anyone could advise me of the best way to tackle my student debts. I have just finished university and have a grand total debt of £3600 in Credit Cards and OverDrafts. AT the minute these are scattered and hard to keep track of to make sure I have enough money in certain current accounts so I was hoping…
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IVA/Bankruptcy
with my 40k worth of debt I have decided to apply for an IVA as opposed to go the bankruptcy route which I first was planning as I wanted to try and get it all over and done with as soon as I could. Mainly due to reading how ex-bankrupts find it very difficult to obtain mortgages, but also I think the OR would setup a BRO…
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How Much Have You Spent Today? 20/6/2005
Thought i start the thread off today guys hope no one minds....... :o Spent nothing at the moment but im going to have to go out at lunch becasue the cleaners over the weekend have thrown away my butter, bread and sandwich stuff grrrrrr :mad: :mad: :mad: :mad: So will have to take a trip to supermarket to get some more oh…
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Iva, What next?
Hi all. I was a bit silly in my twenties, well paid job, but everybodt threw credit cards/loans at me, and it was just 2 easy to spend it. Started an iva 2 years ago, and am now suffering badly. I lived with my parents when i started it, but have since married and am now renting privately. Split up from the wife due to…
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Sorry wrong forum
I have four daughters – two with my husband, two from a previous relationship. I am worried that if anything happened to me that the family could be pulled apart. My ex has very little to do with my two elder daughters (his choice!). He pays us no maintenance and hasn’t made the effort to speak to them since last year.…
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Should I get a secured loan??
Over the past few years I have managed to get myself (my wife helped) in some serious serious debt. As things stand I owe:- Barclaycard £5,000 Halifax £7,000 Lloyds £5,000 Lloyds Personal Loan £17,000 Barclaycard £1,000 Debit Card £1,000 I am thinking about getting a FirstPlus Secured Loan over ten years for £35,000. I pay…
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How does debt usually occur?
This post isn't meant to be against anyone in debt, I'm just curious how people get into really bid debts such as those that I read about on the board. I regularly read posts on here and advise when I can, though many are far more qualified than me so I tend to read posts more than I post myself. But I just wondered what…
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How Much Have You Spent Today? 18/06/05
Uh oh! its saturday! now don't slip up after a few pints! Fortunately (or unfortunately?!) I will be at work this eve so no accidental spendage for me. At the moment I am quids in: Sold DVD on Ebay £6.20 Book on Amazon for £6.75 Should get paid £50 at least for this evening Total: £62.95 Spent: £3 on breakfast this morning…
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savings and debts
Hi Martin or anyone else who can help? I've just been reading the savings fountain plan and the first step is to pay off your debts, which after taking a deep breath I have organised repayments of by business loan and student loans oh and my egg card but there's not a great deal on there (bit of a pain considering i'm not…
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Hello and Please help me
hello to you all, and may i say that i stumbled across this forum today and I was genuinely overwhelmed by the amount of people willing to share their experiences in order to help others. It has been the one bright light in an otherwise dark day for me.... I, like alot of people here class myself as a very proud…
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Preying on the foolish and the vulnerable.
You know, I sometimes wonder if the debtors of the world should unite and simply holler...."Can't pay, won't pay.....".....just like the Poll Tax protestors did when they stuck it up to Thatcher. This morning I am even more convinced that we should all just refuse to pay and walk away from it all. They can't jail us…
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CCJs - wiped after 6 years?
Hi I'm in a lot of debt at the moment with loads of different companies, I have received CCJs for a few of them already, what happens next? What if I ignore the CCJs? Is it true that they get wiped after 6 years?
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how much have you spent today? 17/06/05
ms_l: hope you don't mind me starting this one off. Got three items on my list to pick up (assisted by a reward voucher) when I'm carrying out at lunchtime mystery shop at a supermarket, so lunch and petrol will also be taken care of. Provided not seduced by special offers, aim to spend less than £5 from already…
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Cut all credit cards up!!!! and more......
well after talking to you lovely people and getting your advice i have done the following.... rang egg and stopped the ppi on our loan......payments now gone from £232.97 a month to £197.53,nearly an extra £40 a month to throw at the debt :-) tranferred all credit card debt onto a 0% one which is until november,in november…
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Missed mortgag payment due to incorrect setting up of a DD
Hopeing you may be able to give me some advice on my problem. I changed jobs earlier this year (End of April) and as a result my payment date changed. There fore we wanted to change our mortgage date from 23rd to 1st of each month. We contacted Nationwide and filled out the forms. Nationwide then failed to set up a DD and…
