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Not debt free after Bankruptcy
Hi, Apologies if this has been covered elswhere but I am due to opt for bankrupcy after strugggling like many others with debt. I was alarmed to hear from a friend who went bankrupt 10 years ago owing 100k and has since managed to get back on his feet after losing his house etc. The alarm comes from the fact that he has…
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Mbna
Hi there. New to the site. I am having difficulty keeping up my repayments on cards, but thus far I am just about managing. A few months ago, MBNA wrote to me saying they were going to take me off a reduced interest band I had with them for all the years I had the card, and increase it quite substantially. I called them…
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Advice about current accounts please
Hi, I'm currently in the process of sorting out my debts, been talking to payplan (awaiting their assessment) and debt free direct (who recommended an IVA). I have a current account with natwest that is currently approx £1200 O/D (limit £2500). I have been told I need to open a new current account which I have done with my…
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I'm really trying!!!
Hello all I've got total debt of around £17,000 which I am SLOWLY getting rid of but just wondered if anyone can give me any more hints and tips to make it go quicker... The debt is made up of £8,000 on 2 credit cards (one at 0% for 9 months and other (majority) on 5.9% for life of balance). Northern Rock Loan is £4,000…
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Help - Daughter in debt.
Can anyone help? 20 yr old daughter has finally told me the extent of her debts - £12,000. (car loan, credit cards) I'm still reeling from the shock, she's such a hard-working, sensible, clever girl. I could analyse 'why' forever - bereavemnt, too tempting mail shots etc. but I'm just desperate to help her get straight.…
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Credit Card Priorities - advice needed !
Hi Guys Having lurked for a while I thought I'd post my situation and hopefully get some good advice. Now... I have £3000 on my Egg card (limit £3000) and £1100 on my Barclaycard (limit £4100). It is the anniversary of my Egg card next month and so I obviously want to benefit from the 0% for 5 months offer. I am going to…
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Advice needed please!!
Hi I've been on this board for a while and I thought I'd better get round to screaming for help and sticking my budget on here for people to "do a Martyn" on me!! Here's what I earn: Basic is £1080 per month although with bonuses it goes between this and £1350. Usually about £1200ish. Spending: My share of the bills (I pay…
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Where on earth do i start!!! breakdown of finances included,please help.
right well im not sure where to start but just bought martins book and addicted to this site so i thought i'd bite the bullet so to speak and post a breakdown on here.....did try pm'ing martin :o but he said you lovely people were the best place to start. i desperately want to start paying off our debt and be…
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debt
by september i will have paid 7 creditors since january, which leaves 3 credit cards of £1000 each,however these are in my oh name not mine.Do i carry on feeling guilty or let him learn a lesson in money management by not keep paying up.he pays the rent and his car and computer and his bank loan but out of my dissability…
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Help for my bf - Lloyds TSB
Hi, my bf just called me to tell me that Lloyds have taken a sum of money from his current account to pay off an overdraft on another account. The general gist of the conversation was that about a year ago he called the collections dept to agree a repayment scheme. As he understood it, he told Lloyds to set up a standing…
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I am so scared
My situation is so ridiculous and it is all my fault. I was a high flier until the company I worked for closed my department 3 years ago. I was not greatly concerned as I was very popular and had a good reputation. Unfortunately all the projects I was promised kept being moved to later and later and I just could not get…
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Where did the thread go?
I can not see my post anymore. I hope you did not find it unsuitable. I didn't mean anything bad. I am just so stressed. Good luck. You are doing a good job.
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Parents (and others) help needed (URGENT)
Please see this http://forums.moneysavingexpert.com/showthread.html?p=595257#post595257
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bankruptcy
Hi just about to declare myself bankrupt as have racked up over £25000 of debts through cost of living and bad dmp advice yes i know it is mainly my fault but would just like to know what are the chances of being accepted bankrupt as do not want to acquire £460 just to be told to go away thanks in advance :-)
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Opening a Bank Account with Bad Credit ??
I recently had to close my bank account because I had serious money problems - direct debits bouncing etc. I'm in the process of making offers to my creditors etc so I'm trying to sort stuff out. However now I can't get anyone to accept me as a customer, because of my awful credit history and scary bank statements. I need…
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Interest..
Hello everyone Good weekend? I had a quiet one, lots of cooking, and work as usual - but it was good. Am happy to see that my ISA has paid me £18.24 in interest this month - thats £56.79 in the last few months which is fab. Had a job interview on Friday, a much better job & better money, it would mean i could give up my…
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If you have UK Style or UK Style + 1
Hi All, For those who have UK Style TV, they are running a lot of programmes on financial management, such as bank of mum and dad, and Alvin Hall's your money or your life this evening. Might be worth a look as they've been really interesting and offer loads of advice (plus it made me feel better to see others in the same…
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One tip for you if you spend too much....
... Stop reading the "Quick Grabbit While you can" section of these forums ;) (This is RICH coming from me, but) Remember a digital camera for £100 pounds is only a bargain if you actually NEED it or you HAVE THE CASH and were just about to go into town to buy the same one for £200. If you do that then why not put the…
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info on bankrupt?
Someone close to me has had a fair few problems recently, which i dont really want to go into, and as a result has declaired himself bankrupt is there a way to find out the extent of the bankruptcy at all or is this all between the person, and the courts? Sorry for lack of details, but there are quite a few issues involved…
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I Feel So Low Help Me
Hi Guys I feel so low its unbeleivable, but I think you guys can help. I have debts upto £5k. I know its little compared to some of the debts I have seen on here but to me its one massive mountain, I am scared and I dont know what to do. Here is a break down of my debts Current account, I am overdrawn £1400 and my…
