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Need your Advice Guys!
Ok, here goes! I am totally new to this but it seems a great site. I am in debt. Just writing that sentence is a big thing as I have been fooling myself for a long time now, just looking at each individual purchase etc...but for the first time I have written it all down. OH MY GOD! Ok, there is only one way to go and that…
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Should I stay or should I go?
I have a slight dilemma I need help with. For the next two weeks I have work in London, and possibly for a third week. My brother has offered me his spare room to stay in so I have a shorter and cheaper commute (figures to come below). BUT I am not sure because a) I will have to take my entire wardrobe with me 50 miles…
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yay!!! i got the A & L overdraft!!!!
hi all, posted other day about being accepted for A & L direct current account. got paperwork this morning and they have given me a free £250 0% for 12 months overdraft!!!!! now i have transferred majority of capital one card to barclaycard at 6.9% i am left with about £130 on cap one card (at a horrifying 26.9%). with…
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Sorting out overdraft
So i have a £1500 overdraft with £100 left till i go over it. I also have a extra bank account which WAS savings (only had a little) but thats all gone on my flat. Every month i get paid, it brings my over draft basically back to £0, then i go back into the over draft as the month goes on. Would it be wise to transfer my…
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Head Messed Up
Well here goes Over the last 4 years I've been lurking around the mse boards & had my LB moment in September of 06 , & to say it's helped me is putting it mildly, first of all I'd like to thank all the board members for pointing me in the right direction allbeit without actually advising me directly but nonetheless through…
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What have you spent today 22/3?
Hello everyone, Bit of a confession from me this morning - So far:- £0.50 on a scone £0.55 on a packet of Giant Buttons ...and I haven't brought my lunch in! I'm normally so good - I think I've brought my lunch in (and sometimes breakfast in) EVERY day for about 2 months straight. Sorry for being so rubbish! So maybe…
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House Repo
House Repossession This is a really abridged version of a very long story so I hope it makes sense. I owned a house with an ex-partner (joint mortgage) and it was repossessed in 1998. Since then they have written to me very rarely asking for repayment of the outstanding amount of the mortgage. This amount differs from £19k…
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Trying to get back in front
Hi, I wonder if anyone else has the same problems as me? At the moment (as it always seems the case) I am struggling to keep up payments on thisgs and then find myself playing catch up all month, I dont mind this to a certain extent as i now have learned (the hard way!) :eek: the REAL value of money (look after the pennies…
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SOA - Can I Be Saved from Bankruptcy??
Have posted before - I'm the idiot with the stupidly huge FirstPlus loan and with little choice, so I think, but to go bankrupt. However, I've updated my SOA below; Income £1450 - Me £993 - DH £75 - child benefit £88 - tax credits (will decrease to £48 in September) £2606 Expenditure £901 Mortgage (£158k outstanding, 32…
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Need a current account with debit card for undischarged IVA
Having just had an IVA accepted, my bank of over 20 years closed my current account and have left me without anywhere to pay my salary into or pay by direct debit bills like my mortgage, rates, services etc. My bank says they do not give accounts to undishcharged bankrupts, which includes IVA's. I wasn't actually prepared…
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What To Do
Hiya everybody Right im in a bit of dilemma here and wondered if you can give me any advice what to do. I bought my house with my b/friend 2 years ago and bought all my furniture and appliances from my catalogues and on my credit cards, I also have a loan with the bank which is £7000 over 5 years I have 3 years left on it…
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Is there a time limit
That you can be chased for debts? Someone told me that after 6 years companies cannot persue you for debts but Ive not been able to find out whether this is true or not and Im curious now
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Another "all you fantastic people" Thread!
It might just be me being soft :o :p but I just wanted to tell everyone to keep up the fantastic work you have been doing whether you are repaying off debts, just finished paying them ($17mma), just starting your debt free journey or just offering your fantastic advice! :D You all really are fantastic people! So many…
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Need To Get Back On Track
Feeling a bit low at the moment. Haven't been in tune with the MSE bit for about a week now. Went away for the weekend, so was planning for that and let things lapse a bit. Worked out how much was spent when we got back and got depressed. Just keep thinking that could have paid the debt off quicker. On the other hand it…
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earned an extra few pounds
hi people i am so delighted as in the past week i have made 15 pounds off ebay selling 2 separte cds which i never expected to sell. and i have another cd on at the moment. i was wondering if u people could let me know on anything else that sells well... (p.s. sorry if this is wrong message board)
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Miffed trying to open bank account
Well today I had a totally productive day. At 04hr30 I finished writing 12 letters to chase up unfair charges from some debt collection agencies I've dealt with in the past (bitten with the BAG-bug I suppose :) ). I got a few hours kip then in to town. Stopped by the post office, did some bits and bobs then with plenty of…
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My debts - in need of good solid advice plz..
Hi everyone - this seems like an excellent resource. Like most here we are struggling big time. First up, 2.5 years ago my wife had our first daughter. We knew things would be tight so we cut back on lots of things but we were always about £200 a month short of meeting our bills etc so we ended up taking a bit off of the…
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Good News Thread - Part 2
Hope you don't mind D&DD I thought we all need to keep the good news going! :D Just about to update my sig after OH's pay went in (i.e. the "bill" money) and paid a bit extra off the cc :j Plus OH has just swapped to another 0% for another 9 months :j Any more good news out there?
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Please help me !!!
Having gone through the forum I have seen some fantastic advice for people and thought maybe someone could help me. My details are below: Income - £1164 Outgoings - Loan £300, Credit Cards x 3 £100, Internet £21, HP £21, Insurance £38, Mobile £45, Fuel £100, Keep £150 Total: £775 Total at the end please Debts: Loan - Egg…
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I think I am A Failure: re £2 coin challenge.
So I go out with a reasonable nights budget of £20 for some cheap food (noodle bar) and some drinks. Hand over my £20 note for my £4 food and get 3 * £2s in the change! Now should I spend it or take a severe blow to an already moderate night out ;) haha! Don't think they will still be making Ipods when I finally get there.…
