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I Dont Think I Can Do This Anymore!
I know my situation is all my own fault and its me and me only that can get me out of it. I also know that Im only at the begining of my dmp but i just dont think i can do it anymore. Im so unhappy, I cant explain. Im trying to loose weight so I cant eat anything nice or naughty (Im doing a liquid only diet which is hard!)…
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Hi All - Inspiration and Help Needed Please!
I havent posted on here for a while and my spending is spiralling out of control again, I am trying to get a homeowner loan sorted and I kind of regret it now. It's taken 6 weeks so far and is a right pain to get sorted! I am thinking of seeing what the cancellation changes are and getting a part time job to supplement my…
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Wescot are driving me insane
You may remember me saying that wescot had agreed a £400 full and final settlment on a debt of £700 and how hard we are struggling to get the money together. They have promised 3 times over the last fortnight to send a letter out confirming this. So far none have appeared and Wescot claim they must be lost in the post.…
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bankruptcy help needed urgently!!
Hey all, this is my first post but i really need help here. To let you know my husband was declared bankrupt and is now discharged from it, but this morning we got a letter for an old debt from the RBS. It was a joint loan but we were assuered that when my husband went bankrupt i wouldn"t be liable. I dont work and the…
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living without credit
following on from the i cant afford it thread. how many of us would be in poverty ie no holidays and fancy clothes and activities if it wasnt for credit. how many would have a new car for instance. our grandparents didnt have anything and it didnt seem to bother them. why is it that nowadays sky, mobile phones, new clothes…
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Got a card saying they are calling!
Hi i have a ddebt which i am disbuting. They have now sent me a card saying theey will be calling at my home on tuesday? Can they do this if i have wrote disbuting the debt? Carli
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What have you spent today Sat 18/3/06?
Good morning all Well it definitely has to be a no-spender for me today as it isn't payday till next Friday and we've very little left. Didn't update yesterday - I spend £4.92 in Wilkos on cleaning stuff and £15.90 on having my little ones (x2) hair hacked! My mum bought some food shopping for us too as we've got a huge…
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How do you all do it...
Everybody who's had their lightbulb moment seems to have their debt breakdowns on their sig. How much are you managing to knock them down so fast each month? I'm trying to get my debts down as well but can't understand how some of you are having sigs with drops of about £800 a month. How are you managing to cut down so…
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Some advice needed please
Hi peeps. I've been lurking here for 3 weeks (and what eye-opening weeks they have been!) and have learned a lot. I don't know if this is posted on the right board but if it's not then I apologise and could someone please move me? lol. I am not in debt as such, but am becoming quite addicted to saving money. There are just…
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Newcomer, needing guidance on use of this site
:o Hi there, I have sent a couple of threads and reply and I would like to check their progress but they are so all over the place that i am finding already hard to do so.................. anyone with any tip. Thanks :A :A :A
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***Please help on debt management ***
I am looking to manage my finance in a better way, I am convinced it can be done..... i want to beleive it can be donw as these loans are crepling me! Took:August 2003 = £10,000 loan with IF and have £5,400 left to pay, current repayment is £175/month November 2003 = £9,000 flexible loan with Cahoot and have £7,600 left to…
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Light at the end of the tunnell...
I have been visiting here for a few years now, (under the guise of Westy - or similair, my email has changed a few times since then!), but thought that airing my feelings to you guys here is a good way of letting off steam :) For a few years now i have struggled due to debt accumalated at a time when i took advantage of a…
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Money!
Just thought i would write this post,if anything as a cautionary tale to people in debt.I am separating after 17 years of marriage,and one of the main issues for us has been different attitudes regarding money. I know others will have similar stories to mine. When we finally sell our house,i will have nothing to show for…
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Newbie in need of advice
Hiya, new to the forums, am trying to read through & see what other people do to cut debt but I do need advice on my own. My current debt stands at £9199 broken down it is Barclays - 3059.55 - 6.9 % for life of balance Egg - £4385.98 - £1800 on 15.9% and the rest of 0% apr (fell into the anniversary trap) Mother - £1754.00…
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My story!
Right then! Southernscouser has expressed an interest in ‘my story’, since I haven’t really told it yet and my sig doesn’t give anything away. I’ve not wanted to post it before since my achievements (which are big for me) seem nothing in comparison to many on here. But ss’s interest made me realise I’ve got nothing to…
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HFC putting the boot in.
Have spoken very politely on several occasions to "advisors" from HFC and explained that our debts are being dealt with by CCCS. Have written (twice) and very politely asked them to remove our telephone number from their systems and conduct any communication in writing as we do not appreciate almost continuous calls left…
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can you move a student loan debt onto a 0% credit card?
is this possible? if yes, how do you do it?
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Credit balance on card
This seems a bit of a daft situation to be in, but I have an Amazon credit card which now has a large credit balance - like over £1,400. This happened because something I paid for with my Amazon card ages ago ('big purchase, use Amazon card, get points to buy more books with and solve Christmas present buying' sort of…
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Dontcha Just Love It When This Happens!
Just been doing some much needed sorting out of old paperwork and I came across not one, not two but THREE books of stamps I didn't know I had! Yippee! I am now 16 first class and 9 second class stamps better off AND they are marked 1st and 2nd so will still be able to use them when the postage goes up next month!…
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No money til payday- what can I do this weekend?
Hi We have got no cash til payday next week! Paypal messed my new account up so I have £138 waiting to be transferred and £48 of cheques waiting to clear- but nothing to spend for a few days!!! How I hate it!!! On the positive side we have plenty of food in and petrol in the car!! Plus CC is paid to date and the catalogue.…
