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Thank you very much Debt Free Wannabees!
I don't post much but I lurk all the time and read everyones posts. You all are so very friendly and give such good advice. So its thanks to you that yesterday I paid off my credit card in full!! I now only have 2 debts left - my graduate loan and my student loan. I first came onto this site in September 2004 and since…
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I was just wondering...
What is a good credit score and what's a bad one? Is it the higher the better or the lower the better? I read earlier in these boards that someone had a rating of 953 That means nothing to me :huh: and wondered if you guys knew?
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Should I Just Go Bankrupt?
Hi all, My husband and I have been having a lot of financial problems for a couple of years. Last year we went to CCCS and they suggested an IVA. We have been paying into the IVA for about 9 months now. However I have been really ill recently, my work are about to stop paying me, so I will be on SSP. As such I will not be…
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My SOA :( any help would be MUCH appreciated!
Hey guys, I can't believe I'm going to be this honest and tell everyone how bad I've been. :confused: Well I've been looking at the site and posting on other things for a long time now. After my monster blowout at Christmas (and ever since then to be honest) I have come to the realisation that I can't afford to go on this…
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need advice asap
I'm due to petition for br on monday at 9.25am. I've just recieved a letter saying if i don't make a payment of £50 before monday then a bailiff will be at my door monday morning. i won't be there but my girlfriend will. can they actually do anything ? she aint going to want to answer the door as its nothing to do with…
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Southern Scouser, Willsnarf & James240..
Hey boys, are you coming to the London Social? After all the grief you boys have given me over the past 6 months, I think you should :0) Everyone is welcome!! xx
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in debt with household bills
Hi I've read with interest about others problems and how they are solving them. I feel lucky at times to not have mortgage worries (live in rented property) or huge loans and credit card bills. But I've fallen behind with some of the household bills and could do with some advice. Basically I owe around £600 to scottish…
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its a mess
i wont go into detail but its a mess. 2 yrs ago me and my hubby signed up with a dmp which at the time was a great help we then split and still carried on the payments,but a couple of months ago we got back and everything was ok. the problem is i ran up more debt so did he,as i lost my income now and have aterminal illness…
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They took my money but say I didn’t pay…Help!
Not sure if this is the right board...however...im having a real nightmare! My 3 mobile bill was for £33.09 I don’t have a direct debit with them since they kept messing it up so I sent them a cheque for that amount on the 15th They took the money out on the 20th. Since the 19th my 3 mobile phone is on incoming calls only.…
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Sorry...another Newbie...up to her Eyeballs in it
Hello Everyone I have been 'lurking' here for a few months now and decided to post.... Like most people on here, I only realised how bad my debts where, when I was refused car finance. :eek: Really, since then I have tried hard to get back on track, but there are a few problems that I have. I was wondering if anyone would…
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NEW POLL on social in JULY
Which day is best for you? Vote for all that apply, please!
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In a hole - Can't see a way out - Help!
Hi all, Newbie here, Here's my problem. I have three main debts that are playing on my mind: 1) Cahoot loan ~ £153 per month ~ roughly £5,500 left on it (paid off in Sept 2009) 2) Virgin loan ~ £49 per month ~ roughly £1,600 left on it (paid off Sept 09) 3) Virgin CC ~ £60 per month (min payment) ~ balance £6,000 In total,…
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Westcot Debt Collections
Hello, I need to get some advice. I have a defaulted loan/current account with Lloyds that I have been faithfully paying off at a small but regular rate for over 4 years now. Occasionally BLS Collections would call and ask me if I wanted to settle but I couldn't so they said 'ok, keep making your payments'. No problem says…
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How much have you spent today 01/03/2006
Hello everyone, Its not going to be a good day for me today as I had to get my car jump started last night by the breakdown man and I fear it needs a new battery - boo. About to head to the garage to hear the bad news... I will update later. :mad: I gave myself £5 to spend this week from Monday to Friday and I'm all spent…
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-HELP- Best way to pay off my debt? -HELP-
I have saved enough money to clear my debt with a debt collection agencey but before I phone them I wanted to check on here what the best way is of paying it off. Is there anything I should know about before placing the call. Is their anyway of reducing the amount I will have to pay at all? sorry if these are stupid…
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Damn those Credit Expert ( experian ) people!!!
Damn those Credit Expert people! I'd read about them here. get your free credit report details for 30 days..... So i signed up. had a shufty of my details, all good stuff, no defaults, nothing bad and a score of 953 ( which cost me a fiver to find out ) In week three of the 30 day freebie. i sent them a polite thanks but…
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Save 10% Of Your Pay
I have read this in a few places and use it myself. Set up a Standing Order to move 10% of your pay to a long-term savings account. This is to be used to fund your retirement and nothing else. When you have a decent sum saved, invest it somewhere where you can get a good return. You will need to take advice on this, but I…
