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How much have you spent today? 2/3
Hi everyone!! I am really pleased as someone bought a pair of jeans I had listed on ebay. Bought them in a charity shop for £12 (bought 4 pairs) and just sold one pair for £64.50!!! Yippeee!! So at least I have recovered the original amount of money I spent on them all, now I just need to sell the other 3 pairs. Yippee!!…
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aarrgghh! Car huge bill, how can I do better next time?
Hi everyone I was just thinking that I'd be OK until next month if nothing else happened, when my car packed up. I booked it into a garage but it was a couple of days before they could give me a quote (it was the weekend, busy etc). Now they say it's over £900! (half labour, half parts). I accept that it's going to be…
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How do I start in clearing my debts - SOA UPDATED
How do I start in clearing my debts without losing my home? I have two overdrafts which are maxed out - I basically use my monthly salary to clear one but then I use the overdraft to pay my monthly bills. With the second overdraft I use part of my first overdraft to pay a DD to the second each month. From this I pay a few…
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re; BANK CHARGES
First of all i'd like to say thanks for all the useful tips i've received on this site, now to my question. Don't know if I can claim back my bank charges as it has really been my fault that i've got them so would appreciate some advice. I have an overdraft facility with Natwest for £700, i've gone over this on several…
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IVA? Which IP do you use?
Hi, I am just starting a DMP with CCCS but my husband is very interested in looking at an IVA. My concern is the equity in the house and whether or not it will be considered and if so, how much? The debt is all in my name and unsecured. (51K! AHHHH!) :eek: I would like to know if anyone has used an IVA and which IP they…
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Who owns my debt???
I have got myself into a position where I may be able to pay off £25k of debt with £10k of windfall (by Full and Final settlement). Have got my online Experian report and i am trying to work out who owns my "old" debt. The address on experian dont te in with the correspondence of letters I have received and filed (between…
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Life without credit. Week one
Hi all Well , one week into my plan to be debt free ASAP. Last Wednesday , I annialted all my cards apart from the bank card. Its been a hard week , as on Sunday , I was asked out for a beer. Normally , having no cash , id put the drinks on credit card tab at the local Weatherspoons. This time , I couldnt go. Second issue…
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If anyone has got any advice, please, Id really like to hear it, Im scared!
I havent told anyone about this and it seems a bit weird writing it all down on a site that is looked at by so many people. Anyway, the best thing is to get it out in the open, face facts. It used to be a lot worse. I feel really ashamed actually. Im 25 and this is my life: This morning I got paid £1089 from my full time…
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capquest
just a thought any one on here had abusive intimidating treatment from capquest?if so how about emailing our mps for our areas ive emailed mine and he has asked for more info on company lets complain on mass our mp oft and every one else lets give them a taste of there own medicine :j
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cant work out the ineterst charges
hi every one would be really grateful if some one could help me this is my last debt, other than my mortgage to pay!!!!!! :j i made the mistake of getting a HFC loan some years ago, but once becomming a member here, i have thrown any spare money at paying my debts back, i have one more to pay, and plan to do that tomorrow,…
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bank charges
one of my debts to abby national is £1,600 but £650,00 of it is bank charges its gone to a debt collector any chance of getting these bank charges off ,just a thought if some of these muppet debt companies dropped the charges i could clear all my debts in 24 months just a thought :mad:
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Pain and pleasure principle
Hiya all DFWs... Firstly, what a great site! As a lurker for the last two months, the advice and support that has been given to others has been an enormous inspiration to me. I found the lightswitch sometime last year, the bulb flickered a little around October, and by December the damn thing was so bright I had to put…
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Going bankrupt...
Is this a better idea than trying to pay off debts? We jsut seem to spiral out of control. Every time we remortgage or sort our debts out we get charges from something else that we cannot honour. I am beside myself. I know we would lose the house etc but wonder if it might be a good idea? We have 4 small children and I…
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HELP!!!! (need advice please)
hi all- i was wondering if you could help me.........when i was when i was 18 i got a loan and a crdit card from the bank.i was only on £60 a week and was pushing it on repaying them-i didnt care i was 18 and had a few grand and living it up so to speak lol.however, i did fall back with payments,could afford them and now 5…
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Large Debts £42k - I wasn't worried but I am now!
Help!!!! Any advice would be gratefully received, even if it's insults lol. I knew that we owed quite alot of money, but it didn't really concern me too much until a few months ago. I used to think, it's ok, everyone owes money, it's the culture nowadays. I can repay it in years to come. Only now things are catching up. We…
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Dont know where to turn!
Hello there, I have been reading and using some of these tips for a couple of months now and after the initial high of feeling in control again (i.e. freebies, cc transfers) I have now hit rock bottom again. To cut a long story short, hubby in Army, I dont work and hate the place we have moved to. Through boredom I started…
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Taking a break from payments?
I am currently around £10,000 in debt and at my current rate of repayments i will be debt free in 3 years. BUT I am desperate to take a career break in a years time (when i will be 29), i have been working non stop since uni and want to live and work in Japan for 6 months/year before i hit 30. NOW is there such as thing as…
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Bit OT, Martin on tv now
He's on Ready Steady Cook, started 8 mins ago
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Money problems - Illness - Bad Combination
Having read some of the posts recently a lot of people seem to be having problems with there health, and not saying it is becuase of there problems, but im sure debt contributes a lot to it Having recently pretty much done a complete flip on my lifestyle (ie next to no going out/cancel sky/less beer) i have to say at times…
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£30 extra in M/C
I just earned £30(plus travel expences) just for looking at some pictures of scars(sounds gory it isnt!). Lady mentoned that they are looking for more voulenteers so thought someone may be intrested. Like i say its £30 plus travel ex's max of £10 and is in central Manchester. They have day and evening slots. The phone…
