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nowhere to run
After weeks of being inspired by those of you out there who have faced your debts I've finally plucked up the courage to tackle mine head on. Events have come to a head for me as I was diagnosed with cancer last month and am now having to have time off work for treatment (approx six months). Don't want to play the sympathy…
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Am ready to do it!
Am a newbie member of this forum but have been a lurker for some time. I have finally taken some control of my finances thanks to the inspiration of you peeps. This is just a mere introduction to me and I hope that in months to come we can all together bring down our debts between us. I guess I just wanted to finally take…
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Need some advice please.
Not sure where to go from here. i'd contacted PayPlan and they advised that my incomings minus my important outgoings only left me with £35 and this is not enough for them to help. me and my partner have just applied for Tax Credits but we have not yet heard back from them. should have done this a few months ago but he is…
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Blue Monday
*sorry... have deleted it... found it not quite as easy to unburden my soul as i'd hoped... may be another day...* :o
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I really hate myself sometimes
Background: I currently owe £3k on my credit card which I am gradually paying off. I've nto told my fiance how much I owe as I finally feel I have it under control and do see it as my problem - plus I am hugely embarrased by it all to be honest. My oh is good with money and generous to boot and I know he will be so…
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I've cleared another card!
I managed to write a cheque today to clear my Sainsbury's credit card! :j Clever moneysavers will say I have gone the wrong way about this as I have paid it off with my overdraft, :confused: but I do have a theory behind this.Out of my own personal spending money I now have NO credit cards to pay off, so my theory is that…
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bit of advise
Hi All I am on £12268 per year and husband is on nearly £25k per year. Husband had 2 defaults - I (stupidly) lifted cash from my credit card to pay them off. But thats them cleared now. I have 2 credit cards - Capital One (credit limit £2000) Barclaycard (credit limit £3900) they are both at their limits - the problem is…
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S>O>A Please help
S>O>A Please help! After reading a lot of advice that I know everyone has given out to others. I thought I'd ask for some help on mine, and facing the horrid experience of my S>O>A. Although my debt is not extreme, to some, its all relative really!So it has been affecting my life in an unsavoury way to say the least. I'm…
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debt questions
If you have a debt that is 5 years old. Is it better to wait for it to pass the limitations thing or pay it and have that default on your account for the next 6 years? Any comments?
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Need to sort out my debts- CCCS?
Hello everyone, i really waqnt to sort my debts out, and have in the past been in touch with Christians Against Poverty. They set me up on a budget plan and everything but in the end i told them i would do it on my own after that. My reasons for doing that was purely because i felt like they were taking over completely,…
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The DFW grocery challenge club -all welcome!
Hi all Ive been thinking I need a bit of inspiration and help with meeting my grocery challenge ( see sig) and thought we could have a little group going here to share ideas and tips and help each other along. Old Style board is definatly the place for those recipes, but here is the place to get the motivation going.…
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The Lightbulb has landed!!!!!!
:T Big Day today... I finally plucked up the courage to call CCCS and sort things out especially as this is long overdue. Well here we go... Housing Benefit Overpayment £3174 :eek: :mad: :confused: Council Tax Benefit Overpayment £846 :mad: CSN £952 Catalogue £362 Family £1500 HFC Bank £2000 approx :eek: Hsbc £1754 :eek:…
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ready to completly face up
we have our payplan phone call tomorrow now ready to face up to you all on exactly what we owe Barclayloan 9,692.28 Barclaycard 2,672.42 first direct 1,200.00 halifax 1,678.00 halifax credit card approx 1,500.00 egg card 4,500.00 city finance 1,600.00 ntl 398.34 warrier credit card 2,600.00 all the above will hopefully be…
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I just want to say a big thankyou
to everyone, when i joined yesterday and posted for the first time i expected many things i kinda thought the worst, expecting most of all to be told my currant situation was my own fault etc,ect insetad all i have recieved is friendly advice and no-one being judgemental, i just want to say a assive thank you to you all…
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are they allowed to do this?
Right where do I start? I'm in around 20k worth of debt (all unsecured) I'll give you the exact figures later but this is my real bug bear at the moment I was behind with the payments for my Natwest CC so they have defulted my account and sent it to a debt recovery office (Interim Justica) it was $940 (sorry I can't do…
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Pay Plan
I took the plunge today and called them, seemed very friendly and someone is going to call me tomorrow to discuss things in detail. Can anyone advise me what it is they will ask and discuss so I'm prepared when they call? I feel kind of embarrassed to have to call them, I can afford to make full payments for the next few…
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Chop, chop my lovelies...
...hurry down to the shop! Well Mothers Day has come and gone and hopefully you managed to get something for the old dear to keep her happy. Now of course, the moneysaving begins. Go to your local shop/Tesco and buy your next years Mothers Day cards at a stupid discount price. If they have loads, you may even wait a few…
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No more smoking!!!
Finally got up the courage to give up smoking, and I am so excited. Will give me a lot more money to throw at my outstanding overdrafts, and should get me debt free sooner. Just got to stick to it now. Fingers crossed. :j
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Advice from those who have done it?
My SOA is now further below dated 17/05/2006 - thank you. Now includes actions Ive taken on Page 2 - please check to see what you think. Thank you. Hi there, Firstly a brief background. Im 26 and live in Liverpool. Ive got to the stage now where I really am at the point of breaking, and as I guess a lot of people say...Ive…
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I Feel sick
copy of post on ebay sectionMy credit card has been used without my authorisation "Having just checked my statement, £187 has gone out for an ebay purchase (which i havent done) Have rung the credit card company to say this is fraudalent use and also emailed ebay (could find no phone number) to say this is fraudalent use…
