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New Beginings!- Officially Debt Free TODAY!!!
Today is a great day for me I have finally paid of my debt and am officially debt free! And no longer a wannabe. :j My OH told me about this site over 1 yr ago and I would visit every now and again but never really put into action some of the things I read on here. It wasn’t until last summer that I really started taking…
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CCCS Appointment
Well had my appointment yesterday afternoon and was offered to solutions................ Go Bankrupt or DMP with tweleve years to pay........ Well we opted for DMP but does anyone know how to pay this of sooner, can you make one off payments every year? total debt is approx £56k will add to signature soon. BTW living…
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how much have you spent today?
as i was up early i thought i would start thread off. spent £10- top up shopping
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Freebie
Not sure if this is the right place... Get your free lenor pink fabric conditioner from: http://www.freshliving.com/lenor_pink.htm
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offered one year contract
Hi I may be getting offered a one year contract which will increase my disposable income for creditors from £127 per month to around £900. I am still going through the process with my creditors. How do I approach them IF I am offered a fixed term contract. Can I say "This is what I can pay for 12 months and then back to…
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Anybody Looking For Hair Salon in Peterborough?
Hello....I'm hoping I haven't posted this in the wrong forum...somebody please let me know if I have. Anyhow...is anybody on here from or near to Peterborough, Cambs? If so and if they are looking for a new hair salon...please PM me as I may have something that could save you some money off an appointment in the future and…
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Sorting it out!!!
A posted a help thread about a month ago as i was feeling very lost and could not see a way out of my debt! :( But thanks to the advice of some kind people on here i dumped my debt company and got in contact with CCCS. I felt so much better after talking to a LOVELY lady and finally feel like its gonna get sorted out. So,…
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Trying To Get Blood Out Of A Stone
Hi MS Experts. I decided last week to go down the route of trying to claw back some money from my previous bank...HSBC. I joined the bankaction group forum and used their letter templates to write to HSBC to get them to refund my Unfair charges for the past 6 years. These amounted to approx £155 with recent unfair interest…
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Totally off-topic
But I am a Mad Maverick now!!!!! :money: :money: :money: Note to self - MUST get out more :rolleyes:
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Debts or Savings
Hello, I have a flexible loan. I also have two boys that do cubs, rugby etc ... I know during the course of the next year it's going to cost approximately £80 a month for all the trips that go with the stuff they do - which is the best course of action - save £80 a month in a pot or pay more off the flexible loan and then…
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What postive step have you taken today - 14/03?
Hello everyone Following on from my 'Can I clear a debt a month?' post, I feel that I am not getting very far at the moment. I didn't clear a debt last month and I won't this month unless my car sells soon. So I decided to take at least one positive step towards clearing my debt everyday. I have therefore started this…
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is getting in touch with credit card worth it
My son has got himeslf in debt.Lot's of around £17.000 Is it worth getting in touch with the credit card comapny to ask if they will settle at a lower amount? I don't want him to do a IVA or go bankrupt but he is in a financial mess. Can you give me some advice, please !! J woods
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Anyone Else Struggling For Motivation?
Have been felling down all this month about my money and I don't know why! :confused: I have made massive steps since my lightbulb moment and I guess now that those steps are now smaller and less frequent this probably has a knock on affect but I can't seem to get my head out of it! I keep getting massive urges to splash…
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A Whole New World
As a newbie to MSE I just want to say a big hi and a very biiiiig thank you to Martin, this site and all the lovely MSE people out there. You have turned my life around and opened up a whole new world for me. My lightbulb moment was more of a slow realisation that, financially, we were sinking - albeit slowly, so slowly…
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Bankruptcy and property
Hi I keep being told by people who have gone through bankruptcy that there are ways to ensure your home is not sold as part of the Bankruptcy ruling. How can this be? I always thought that being bankrupt meant all your assets were to be sold off to pay the outstanding debts. John
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help plz....just got credit report thru
hello. big problem - just got credit report thru - shows loads of stuff is wrong. me + my mum same first and last name only1 difference is am miss, she is mrs. :mad: on report shows borrowings that are mrs...., but listed as being on my report also says that i am financially associated to mr..., but thats my dad and i'm…
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Hit and Miss
Well good news thanks to mse is that Ive now moved home insurance and have managed to save £110 per year!! The bad news is I'm in a whole world of debit pain and i'm looking for ways out!! Just tried the card tart and have been refused twice!!! If anyone has any ideas please let me know as I really don't want to go to the…
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What to do?
I sit here with a mortgage of £142,000, a loan of £10,880, an overdraft of £1150 and a credit card of £1750. I am sharing my flat with my girlfriend (joint mortgage). The rest is all my debt. I earn £1383 after tax a month. Outgoings are as follows: £1000 to the joint account for the mortgage and upkeep etc. £187.75 to my…
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Final payment offer
What would be a reasonable amount to offer as a final payment for a debt of £1130.00 :beer:
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Pleased to meet you!
Hi everyone, Firstly I want to say that I've been lurking for a while and like a lot of new posters I'm incredibly impressed with how supportive everyone is! This post is going to be really rambling, so feel free to ignore - just going to be good to get it off my chest! Anyway, I've been trying to deal with various debts…
