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Have paid my Empire debt off today...Hurray!!!
Paid my Empire catalogue off today :j Paid £26.36 today dont owe them anything :beer: Citi card next. Owe £416 but with overtime this month and new hours starting at start of April (extra £20.00 a week) have worked out that will be paid by mid May :beer: Hate bloody Citi card. (27.9%). Never seems to go down with minimum…
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Confused on defaults.
I have 3 defaults on my Credit Report, but been reading threads on here where people say they paid in full and settled yet still have a default on there account. I have paid all the money that i owed back (although some were with Debt Collection agencys after i defaulted) Should they still be on my record? This was 4 years…
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Had a good week?
Just wanted to let you know that after a really bad start to the month. (Husband who is self employed got stuffed on a job and hence we lost about £350.00) today I feel as if we have really got somewhere. Hubby got paid for a good weeks work, I got paid with some overtime in it as well I can therefore clear outstanding…
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Help! Don't know what to do next...
Good news, I've had my lightbulb moment! :T Bad news, I'm in debt upto my eyeballs and am not sure what to do next. :confused: I've been reading a lot of the threads and am comforted to know that there are so many of us in the same boat (a very rocky one!) and the advice that's been given to people is so supportive and…
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Being Totally Honest...
Does anyone read other people's signature and see some amount to a clothes company, store etc and think, well that's why they're in debt? I owe money but I do still judge people if I'm honest, and think that's how they got into this mess. This is because I saw one person owed a lot of money to a fashion store which I would…
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Bank refusing token payment
To cut a long story short I owe a lot of money to my bank for a loan, credit card and overdraft, I am working through my problems with CCCS who advised me to send token payments to the bank. I contacted the bank to find out where to send the token payments to and they said to post the payment to my branch which I did, with…
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Student Debt repayments
Only a minimum payment of £4 a week goes out of wages by way of paye when im working, which is not lot since i don't earn a lot. I have a few thousand saved up and my student debt is oh 13,000, How much should I pay off in a lump sum to reduce debt and keep control of the interest/inflation rate? :rolleyes:
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what would you do if you got £20k
I am currently in debt to sum of £60k and have been paying reduced repayments to my creditors for about 8mths, i keep in regular contact with them by sending income expenditure updates and increase payments when possible. There is a strong possibility that i may be coming into £20k (if my luck runs ok) from my divorce…
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Rebuilding Credit
Well, through no fault of my own, last year i was declared bankrupt, (25 credit cards is 2 much for any 1 to manage at once) i have just passed the 12 months and the o/r has told me that i am no longer bankrupt and i can obtain credit again, i feel the calling for credit, like the need for speed, how can i obtain as much…
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One down - 7 more to go!
After reading some inspiring threads, I was feeling somewhat motivated. I have had a rollercoaster week - had a CCJ on wednesday - Harrington Brooks were acting on my behalf but failed to inform me that one of creditors wanted £200 instead of £36 per month, so I termintated my contract with them :rolleyes: I owed one of my…
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why ???
I have noticed recently and I know I have posted them too a lot of people struggling with motivation and I thought perhaps we could all look at ourselves and see if we could identifiy the triggers then when we all start to feel down we can remind ourselves what has triggered our feelings off and then allow ourselves to…
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The Bad News Thread
There's a good news thread here so why not a bad news thread too? I got a really nasty package arrive this morning containing a wad of paperwork. It seems that despite me making a phone call to the Employment Tribunal Services on the 17th and 21st March to see if my ex employers had submitted their response by the deadline…
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Debt Free Day
Hey Everyone Just thought i'd let you know that Debt Free Day has arrived, I paid off fully what was owing on my credit card at dinner time. Wonder if I could get my name changed to DebtFreeDavey :) Its such a nice feeling to know i now owe nothing at all.
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Pension plan
I've been going through all our papers and have come across a pension that my DH for a while back in 1996. Its only about £1500. We stopped it because we could not afford it! Can you cash in pensions like you can life assurance...I know you were not able to but maybe things have changed. Any thoughts?
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Joint a/c's -good or bad idea?
Exceeding the overdraft.....Yesterday I said the the OH "please don't use your debit card today as it might get declined " this is how the conversation went from there.... He's like.."why" I'm like... "cos" He's like..."whats happen'd" I'm like... "overspent!" :eek: He's like..."how" I'm like..."thats life" He's like..."I…
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'Not Cooperating' letter response
Hi DFWs Seems like certain letters from certain companies are doing the rounds at the moment. I recently received the 'Not Cooperating' letter as outlined in japanesegirl's thread here and am sending my response (recorded, natch) as below. I've made it really easy for them, by including a pre-written reply and a SAE...…
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Losing motivation
Please help, I want to be debt free of course I do, but at the moment I have lost all motivation :( :confused: Everything just seems pants at the mo. Any ideas or words to increase my motivation?? Thanks x
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Brother's card got blocked.
My brother was going overdrawn every week (he gets paid weekly) and was incurring charges of £125 per month, so we came to the decision I would take over his finances (stop laughing at the back). Steps we took were: 1. Set up internet banking. 2. Set up separate budget account (for mobile phone bills) 3. Arrange authorised…
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Oh for gods sake, not again!
Hi all Well, Im in a bit of a stress here. I was stupid enough to cancel my rent payments to my landlord for a couple of months last year. The top and bottom of it is, that my arrears have now been cleared ( as of yesterday) apart form 41 quid which I can pay no problem. The landlord has contacted Abbey, my lender ( who…
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bankruptcy soa help please
hi everybody can anyone help me with afew queries regarding soa on b/r forms ready for court next week please.me and o/h both going b/r but dont know how to seperate incomings and outgoingsi;e electricity/gas/rent/food do we both put full amount down or half each.also can anyone tell us how long it takes o/r to set up…
