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slowly getting sorted!
hi all, just joined the site today, i have been using it for a while now though, and you'll be pleased to know that your views and comments on the problems people have had have given me the kowledge and the confidence to get my finances on track! last feb i lost my job and it all went down hill from there. i had debts of…
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Debt and moving abroad?
Hello all, A big question... I am about to leave the UK for sunnier climes, but unfortunately have debts to pay... do they chase you abroad for them (can they take my new house abroad away?) I hoped my house sale would cover them but have lost a lot on it... I have about 50k on loan/credit card and once house sale has gone…
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Trying to sort myself out...
Hi, I have been lurking on here for a while but decided it was time to take the plunge and say hello and post my situation. My debts are: Royal Bank of Scotland Visa card - £1087.84 at 16.9% Virgin visa card - £1915.00 1 month left at 0% then 15.9% Egg visa card - £1737.36 at 15.9% Royal Bank of Scotland graduate loan -…
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Bailiffs taking computers
On nearly all of the Beat the Bailiff programmes the bailiff seized the personal computer. Surely a PC with all your personal info on it can't be sent to public auction for a complete stranger to get their hands on? Anybody any ideas on this one?
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Have you ever been so skint that you.......
couldnt afford even a loaf of bread. I got to this point back in December and that is when I decided I never wanted to be in that position again! It was the day before pay day, nothing in the bank and no overdraft facility(glad now but not then!!).Credit card to the max- and no money to be found down the back of chairs or…
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Oh my god, littlewoods
Ok, so here is the short of it ! Back in October I requested a copy of my signed credit agreement and sent £1, nothing was ever recieved. After sending a 2nd letter, I eventually recieved an unsigned one 40 days after my initial request. I have now - 4 months later had a call from littlewoods, asking why I am requesting my…
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Newly Single
Dear Money savers..... I have unexpectedly found myself living alone.......... Boyf moved out on friday. Althought I have always paid the lions share of the bills etc... (that is another story) He did contribute £320 per month to the income..... Have changed car insurence, and applied for single person discount on council…
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how much have you spent today? 31/01/06
mornin! not spending anything today as not going anywhere! hooray!!! :j
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Loan payment holiday
Ok, need some suggestions on this one..... Have just changed our loan from HSBC to a flexible one with Egg. Because of the change in interest rate and taking the loan over a shorter period and having a few extra quid a month to chuck at it, we've managed to knock 14 months off this loan......which is a fantastic saving.…
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Bailiffs Conduct - Making a complaint
I have had a Bailiff at my door today, who turned up at the same time as my twelve year old son. I was out at the time. He told my son that I must phone him urgently that evening and if I didnt, the Bailiffs would be back within a couple of days. He also left a 'Notification of Attendance to Remove Goods' Which had no…
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Advice please im in trouble
I have got 2 credit cards, both up to (or near enough) their £1000 limits. I know this is peanuts compared to many of the people on here, but to me, its a really big problem. My tax credit payments were messed up and Im down over £100 a week if you combine the childtax credit and my partners working tax credit. Until these…
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Any one else had any good news recently??
Hi :j Thought i would post a cheery note today, and share some good news, just as a chin up for everyone who is slogging away at their mountain of debt. Recently had lots of unexpected bills - 4 new tyres all in one go (thought it would be 2 max), neighbours want nearly £300 towards roof repairs, etc. :mad: OH recently…
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Our Proposed Debt Free Plan
DEBTS £19000 halifax loan, 7 years from september 2005 - £283.84 per month £10000 Rac loan, 5 years from Dec 2005 - £208.38 per month £9883.00 (including balloon payment) Renault car payments, £163.26 per month 3.5 yrs from Oct 2005 £2930 - Abbey credit card £1000 - Lloyds credit card we have income of £2540 per month…
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Adding items to credit records
Hello, I have a BT phone line and I'm always up to date with my bills for it, my rent is always paid in full, on time, but this isn't reflected in my credit reports. Nor are the regular payments towards my IPA recorded. I'm sure that a record showing that I make the payments on time and in full, would help my credit…
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Where can I find CCJs against me
Hello, I recently applied to have my cashcard current account upgraded to a full current account (primarily for the luxury of having a cheque book). The bank refused my initial application after doing a credit cheque, and then refused my appeal. The advisor who dealt with my application told me, unofficially, it was…
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Creative ways to MAKE AND SAVE money...
Hi there... I thought i would like to share some creative ways to make money, that maybe no -ones thought of...I owe £8,000 so I should take my own advice really...hahah! (hang in there as this is quite long!) 1) Ever thought of appearing on a game show - ive been on 6 or 7 and im not a trivia genius (never won the big one…
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Do you bore your friends?
hi everyone! i am constantly on this site, getting new ideas for the way i manage my money and how to put it to better use. some of my (in massive debt and dont care) friends think im totally crackers and overly obsessed with money, to the point where im sure they avoid me sometimes lol. other friends think its cool and…
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bankruptcy and mortgage
My friend is going BR and has a mortgage
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Self Employed with debts to clear - where to start?
First off, hello to you all, this is my first post but thought it was about time I started to tackle my debts. This is my situation. As the subject says, I'm self employed, so a regular income is not a luxury I have, but the field of work I'm in, has the potential to earn a lot more than if I was doing it full time for a…
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offering debt companies final settlements
i've just been on the phone to increase my monthly payments to various companies who have 'bought' my debts... most of them offered a 25% discount if im ever in a position to pay one final payment... i remember reading something on here saying you can get away with 50 or 60 %? do any of you think they would accept 50 or…
