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Debt Free? Tell Me Your Secret!!
I have spent quite a while today looking around the chat forums and was extremely jealous but very impressed when I saw posts for people who were '4 months to being debt free'....'10 days to being debt free'....I would love to know your stories and how on earth you have managed this. I myself think i will never see the end…
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Credit Reports - Yearly Fees
Hi, Just wondering if people think its worth paying the £49.99 to 'join' creditexpert for a year or not?
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REFUSED CREDIT ... Next step to re-mortgage??
I'll try to keep this brief , 1 year ago i had an excellent credit score of 962 (obtained from https://www.creditexpert.co.uk) , since then i've been self employed which started off promising then turned into a financial nightmare. I'm now an employee again , but in the mean time have racked up 2 loans (£5k each) , 3…
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HELP! Court Summons!
Hi I just got a call from my Capital One debt (600 pounds, but should be only 200). They want to take me to court, the woman told me a mans coming round on Tuesday with a court summons, i suffer from anxiety and depression, what can i do? Im so worried! What will happen to me? She said ide have to sign for the summons,…
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Please can you help? :'(
Hello, I'm typing this on behalf of my father whom has just rung me in tears. He has never been good with figures and after a divorce with my mother (who used to deal with the finances) he has now his the financial world. He owes 15k to igroup loans (secured), paying some stupid amount of interest (he hasnt even payed off…
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contacted payplan
as per most people when you are way over your head with debt, we just ignored it in the belief that we would be able to sort it or we would find that chest of gold somewhere :rolleyes: the problems started when my wife lost her job and we couldnt pay her cards/loans and me very selfishly told her to sort it out and i was…
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Hi...Some advice please
Hi, Just found this forum.. I have had a grim year, first a death in the family and then lost my job and was unemployed until August. I have debts over £20k and am now employed on a commision basis. I reckon I will be on £12-£15k for the first few years. I am being threatened by my creditors and am losing the plot. I think…
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Property Development as a way to make money to reduce debts?
Hi, Not sure that this is the correct place to post, but the reason we are doing this ultimately is to try and reduce debts. Looking for a bit of advice. As you can see I am in quite a bit of debt and my husband and I are considering buying a property in Glasgow around christmas time and developing it. We would be hoping…
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Help with Working it all out please!
Hiya I wonder if anyone can help me work all this out....I have cc debts and am trying to work out how long its going to take me to pay it all off ......but I'm rubbish at maths....so I wonder if some kind soul could help me out a bit?? Egg card £5047.45 - 0% until Dec then 1.167 p/m (I pay £120 p/m) Egg Money £5049.65 -…
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Cccs
Could some one please explain what ccs are?
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CCCS no good????
Hi everyone - I am a new poster but referred by someone wo thinks this site is fabulous! :p Am in £24,500 debt over last 3 years (wedding, pregnancy and living day-to-day on a credit cards/store cards - BAD MOVE! :eek: ) and have tried CCCS twice. 1st time I paid 130.00 to my DMP but got nowhere with Barclays as they just…
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How much did you spend today? - Oct 19th
Can i start this? I hadn't realised that the purpose of this thread was to fess up your daily spendings in the hope that the threat of having to go public would limit your desire for shopping. Anyway, I'm going to join in from now on. Today £3.25 on some bananas for the office, jar of drinking chocolate for the office (to…
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Mbna Credit Card T&C's
I'm trying to help a friend who's got a credit card debt he can't pay. Anyway I'm trying to find the terms and conditions to see if it says anything about how they'll help if you run into financial difficulties, also charges for late payments etc. I'll done a google but it brings up platinum and other specific cards. I've…
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Anxious
My husband has had a credit card for a number of years and has always maintained a good credit history until this year. Due to a cash flow problem in business he has missed payments on his card. I tried to transfer his balance on to a 0 percent card but of course was unable to. What is the best course of action? He has…
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need bank account
problem solved
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newbie on the edge
ive been lurking and wanted to post for ages but like most ive prob only realised just how serious the debt is well i owe today 70000, thats without my mortgage i have a seris of loans and cards non of which are priority debt ie none are secured im married have low wage and have a husband with 3 dependant children im…
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money savers i need your advice
I am currently in the process of repaying credit card debts. as you can see from the signature we're at the start of three years of repayments. I contribute £350 per month, my partner £390, although this is due to go up once he sells his motorbike. My best friend in the world is currently living in Indonesia and she and…
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How do you stay motivated?
How do you lot all stay motivated to stick to a budget and shop carefully/as little as possible? I'm slowly paying off my debt in reasonable chunks, but occasionally I will slip back. Normally by being goaded by friends to buy this/do that and I find it harder to say no to them than to myself! This time round I'm telling…
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How much have you spent today? 18 Oct
Thought I'd start this thread today! I've been good and brought my lunch into work today, and I'm planning to stay inside at lunchtime and go straight home home after work. So, a boring day for me but at least I'll have spent no money!
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a bit on the side
Hi Guys A bit of a specific one this, as some of the regular visitors here will know I am in the process of clearing some hefty credit card debt. Budget has been made, cards have been shuffled, payments prioritised etc etc. Having played for hours with the snowball calculator I can see that the more money you can put…
