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budget for food!
Hi any advice on tips how to save money on food bill or what part of sight to look at please we have 2 kids 10 and 12 so they get through a bit!! No sweets or fizzy drinks unless its 39p a 2 litre bottle or less!!!
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Connaught Collections/Bishop Investigations
Hi Has anyone else recieved letters from these people? They are claiming I owe £1800 to 1st credit associates. Who are 1st credit associates?? Anyone know? The first letter said they would issue a statutory demand, sent by Connaught collections and that someone would be round to visit. This new letter is from Bishop…
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day in court
Hi everyone! Can anyone tell me what happens when you go to court??we are just about ready money wise to go bankrupt just got to get the forms finished!! god what a lot you have to photocopy!! Anyway our court date is first week in feb so my question is this what do i do with money in or bank account? we both get paid…
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The BBC online debt test
Please see this link to take the BBC online debt test: http://www.bbc.co.uk/debt It is supposed to tell you if you have, or are likely to have, problems with your borrowing. I wasnt really in any doubt that i have debt problems!! in fact i was suprised it didnt crash when i put my details in... But it did have a some good…
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Advice required please...
Hi, To cut a very long story short, due to the breakdown of my marriage and a change of job I am currently earning a lot less than my outgoings and am living on credit. I have contacted National Debtline and used their budget planner. They advised a DMP, which seems a good option. The thing is I reckon it will taken about…
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Checking my signature
:j Yippeee!! Nearly under 23k! Roll on Feb when hopefully it will be. GM x
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snowballing calculator
i know i have seen the link on here previously for the calculator that shows how long a debt will take to repay but i can`t find it. can anyone help?
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Payment Protection Insurance
How Do You Cancel Ppi On Your Loan
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Charge Card - or credit card for those with bad credit?
Evening all, As a few of you know, I'm burdened with a fairly sizeable amount of debt (nearly 30k now) and quite a number of defaults against my name. I'm with PayPlan and have been for a while.. I travel a bit at work and as such build up expenses... and my HSBC Maestro card isn't accepted in many places where I travel so…
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Debt paying conumdrum
OK, I could do with some advice here as I don't want to mess up my credit rating any more than I already have done. I owed over 25k two years ago and my ban agreed to a loan to pay it off, which I have been doing and have just under two years of it left. However, because I work abroad and my pay has to be transferred from…
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Forward Planning and Ideas.
Hi all! Firstly I would like to say I’m new to this site and I apologize in advance for what will probably turn out to be a very long post. I have decided to take control of my life, I’m 19 and going nowhere so something needs to be done and the biggest bane at the moment is my finances (or lack thereof) So I’m going to be…
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Debt
Thanks To Everyone For Advice, My Parents Have Loaned Me £3,500 For My Credit Card Bill So I Just Have My Loan To Pay Back £16,000 If I Was To Settle Up Now( Ha Ha) So Thats £385 A Month ,that Might Not Seem Alot To Some People But It Is When You Havent Been In This Debt Before ,im Going To Try And Get What Im Owed Off My…
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Spouse's property and bankruptcy
Hi there I was wanting a bit of advice! I have massive debt (around £22,000) that i dont see anyway of being able to ever pay off! They all spiralled out of control when my Husband suffered an injury and was unable to work for 18 months. The charges and interest climbed as i just burried my head in the sand and tried…
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Bank account with an IVA
Hi I have had an IVA for 12 months but I am struggling to get a bank/current accout with a switch card. Does anybody know which banks would do this.
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Three Debt. letter re collection agency???
Hi I am writing to Three regarding the debt that they say i owe them, i also need to send a lwetter to the collection agency, does anyone know of the one used on these boards quite often? Carli
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Extreme debt help please
Hi all i`m new to the forums and was just looking for some advice on what debt to clear off first. Me and my partner have about 25k on finance split between credit cards/loan and we have a car on pcp which i havn`t included in the 25k . We are in the process of moving house at the moment which will see us with a nice tidy…
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Debt collection - HELP Please
I bought a Vodafone contract from Link 6 months back. But I returned that immediately without using handset or sim, back to Link within a week as per their terms. But Link has not informed to vodafone that I have returned the phone and hence Vodafone has continued to charge me. But since I haven't made any payments they…
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WINNER ! -Dont let the barstewards grind you down!
http://forums.moneysavingexpert.com/showthread.html?t=131408 well i have won my case(according to customer services!). accucrap stopped statements being sent, after an erroneous mail delivery was returned. 5 months later and 100 pounds in charges plus interest i was in the doodoo! they locked me out of my internet account…
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Advice please re IVA
my friend wants an IVA
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Best way Forward -- Advice please
Ok bit of background first Debts Loan 25k Payment 469 Loan 7k Payment 150 Card 1 11K (Egg) Min payment 234 Card 2 9k (LLoyds) Min payment 196 Card 2 7k (marbles) Min Payment 135 Card 3 6k (MNBA) Min Mayment 114 Card 4 2k (Barclays) Min payment 41 That's the bad news Now the good news (ish) I have 13k to pay off debts with,…
