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update
I posted in here at the end of March about my particular financial position. Here is just an update after hearing Martin on Radio 2. I now have 4 CCJ's and 3 of those have been secured on the house thus equity getting smaller. We have had bailiffs turn up twice and have been sent away. The Financial company dealing with…
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Money Saving Weekend...
What will you all be doing thats cheap and cheerful (or not so) this weekend?? I really have nothing planned, so shouldnt spend much... xx
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FAO: ms_london
So come on, how does it feel to wake up knowing you don't owe anybody a single penny? :D
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Weekend food/army/Tondella question!!
Managed to get a 10 minute garbled conversation with the bloke last night. Told him I'm now on a budget of £75 a month for food. Said I don't know how to sort out when he eats round mine though as sometimes I end up buying shopping for him for the week too. He said it's easier if I do all the shopping for the weekend for…
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Default with catalogue company
http://forums.moneysavingexpert.com/showthread.html?t=104110 would anyone please be as kind as to read my post and comment on the below. My hubby as mentioned in the post got this defaut by studio keep addimg on admin charges Now my hustband signed no credit agreement with Studio they just sent him a book and he ordered so…
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HELP Student Overdraft
As I was unemployed at the time and the employment prospects in my local area were and had been terrible for a while, I decided to relocate to London to find employment and could start saving for the future and get debt free, so what savings I had I was using for a deposit and 1st months rent on a flat in London to find…
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urgent advice needed please
i wrote off to a catalogue company asking for my signed credit agreement and today received a letter back. it states i have accepted the terms of the credit agreement, as i have used their catalogue for some time by placing orders and paying for goods. It then goes on to say they have to correct my statement that they are…
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Somebody who does not want to sort out paying people!!!
I think he may be slightly bonkers - take a look at his ramblings.... (bankuptcy related...) http://www.waynefontana.co.uk/index2.html
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The Moral High Ground?
Earlier today I posted a thread encouraging others to ignore posters who adopted a holier than thou attitude in response to posts that gave useful advice reguarding legal methods of reducing debt (on the Debt Free Wannabe Board). It has been deleted. The MSE T&C clearly state that explanations will not be given if threads…
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Debtplans. What are they?
A friend has recently told me she is took a loan out from Natwest years ago of about £15000 altogether. She can't make the payments etc etc is unemployed.... and as you will understand very down. I would just like a few tips on where to direct her for advice. I have been looking around a bit on this site so have a few…
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Capital One Harrasment
Hi, My mum got in a some trouble with a few credit cards and to cut a long story short, got in touch with the CCCS, who have been very, very good. Sadly though, even though the CCCS have been in touch with Capital one (amoung others who have been fine) and have set up a payment plan with them -ie. sending money to the CCCS…
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A friend in need ...
This is a message for a friend, I have had money worries of my own for the last few years but I am now all but debt free (December I will be able to say I am debt free). My friend of 25 years is on incapacity benefit and more or less cannot work or hold down a job, although he does try. His debts amount to about £8000 and…
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bad debt-removing defaults
I have a large overdraft and visa card as well as a store card and im currrently trying to pay back some debt which i accrued when i was a student that i defaulted on, therefore i am currently paying back two debt repayment schemes. I have tried to get a personal loan to cover all of this debt so that i am able to have one…
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Would you put up with this ?
Question for everyone. My O/H has debts. He's trying to get !!!!!!'s on them. Things have been really tough this year as he was not working - owed the taxman, owed these creditors. I kept us afloat. When he moved in we agreed he'd pay a monthly contribution to the household pot, but it was sporadic ( partly because of the…
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Defaults, Credit Files
Hi I signed up to equifax gold membership to see my credit file whenever i want, online. I have 11 debts on it, and 5 defaults, 0 CCJ's. The defaults are small debts, Equifax said the lender can take the default off without any hassle at all....... Im hoping with some persuation, they will take them off, if i offer to…
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On the subject of bankruptcy - few questions
hi there, is anybody out there who can offer some advice been throuhg similar experience. hubby declared bankrupt in feb this year - not due to us spending unwisely - failed business, etc. anyway few questions 1) what happens to county court judgements when you are declared bankrupt - do they get included and become…
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debt agencies
can a debt agency settle an account for less than is owed? as in, friends debt got a little out of control, he owes tom !!!!!! and harry and he was basicaly just ignoring all letters. some have passed to debt collections agencies now and he had a call from one offering him if he pays half of what he owes they will settle…
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Finally came clean about debt, and feel great!
I posted here a while ago for advice about credit card balances. I followed all the advice, but didn't have the courage to tell hubby. As he wanted to decorate the house etc, and he didn't know my situation, I hit a stale mate where I wasn't getting into any more debt, but spending the 'debt reducing' money elsewhere. I've…
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On the stright and narrow now!
So, i've finally sorted my self out! Before i had DD/SO's comming out of everywhere and at any time! I've now made every DD/SO come out on the 2nd of every month (im paid on the 31st) so as soon as im paid all outgoings are covered. I have sold the car, and made £250! Went stright onto the loan. Looking at my sig, you can…
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Out of Control Debts\Charges
I need help, I only got paid 2 days ago (monthly pay of £825 after tax) and I'm already running out of money! My car broke down last friday and I have to replace it but it doesn't look like I have enough money to pay off what I owe let alone anything else! I owe: £12000 loan to halifax (£169.22 over 72 months) £1600 to…
