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Is Bankrupcy the answer?
I am on a cccs DMP, yet my monthy payments are so tiny as they are all i can afford. my creditors are still charging me interest, and so my 11 years it was going to take me to payback all my debts is nearer 14 now! I am 22. I have no hope of getting a mortgage in the next 5 years due to Defaults and rubbish credit score. I…
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08708503492 number
Hx know my situation. :mad:
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update from me
Hi DFW-ers I started on here last August although it took me a while to get my debt free plans in action. For those who don't know, my OH and I got engaged last year and decided that we would tackle his credit card debts as they were an obstacle to our future together. We looked at our budget, made reductions by deciding…
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No-one works for Nationwide?
We took all our finances over to Nationwide around 5 years ago due to poor service at 2 other banks/building societies. For the past year or so we’ve noticed a decline in service from them too. The final straw being for the last 2.5 weeks we have been trying to get the financial adviser to contact us, when she finally…
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my soa
hi guys, after your great support, i have managed (with the help of a good mate) to find all my debt letters and work out how much i actually owe. I think this is what you meant by posting my soa?! here goes, Scotcall - £2394.61 Lowell - £98 AOl - £31.98 Water - £729.20 Council - £3211.57 total = £6465.36 the last two both…
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What have you spent today? Mon 27 March
I've not spent anything yet but am off any moment to meet my Aunt for coffee and sympathy. Alas, it's my turn to pay...
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DD's Returned
Ok, many of you will have read my posts and threads etc.......anyway the inevitable has happened and i'm about £1000 down to cover my DD's for mortgage, loans etc..my main concern is the mortgage, this is the third time ive been late but always caught up - this wont be a major problem again but how do i stop this cycle…
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Debt Free? Now what?
I have been reading these boards with absolute devotion because it is so great to be around people who, like me, realise that money needs to be understood, & respected, or it can wreak havoc. I've read alot of your short term goals, I was wondering if some of you can share with the rest of us what you plan to do when your…
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Any advice?
Hi im a single mother of 2 children aged 3 yrs and 6 months i've just admitted the fact that i need help with my debt. my incoming money is £668.36 a month im not really good at this but here goes all the things i have to pay out BT Line rental £11 month (usually £18 including calls & vat) Gas £30 Month Electricity £25…
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£43k Debts. Self-employed. Urgent help needed!
Hi all I hope people aren't offended by the stupidity that has caused my situation, but I'm in need of some practical suggestions and expert advice to try and regain some control. My wife & I have been together for just over 5 years and for the whole time I have been overspending, borrowing more & more on credit cards with…
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The light at the end of the tunnel....
This is not a tale of 'woe is me'. Unlike most of you, I am completely responsible for the situation in which I found myself. My hope is to show those of you at the beginning of the journey that no matter how bad you think your situation is, there is an end in sight. Patience is the key.... I had a well paid job and the…
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Independant Voluntary Agreements-IVAs
I'm currently looking into using one of the agreements via an Insolvency Practioner through a comapny called Accuma Group. THEY tell me there are no hiddne chagres and their fees for arranging these with my creditors are totally free to me whatever happens (accepted or not) and they are met by my creditors (approx…
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Logic vs emotion
Have just had what i would term a lightbulb moment! It's not about the amount of debt I'm in.I already know that horrid little number! It was mainly thinking about what I pay out on a regular basis. Now it may all be down to the fact that I'm a piscean. So obviously I think a LOT, and all the time! I'm a dreamer and live…
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Think i'm about to have a lightbulb moment...
Hey all, been coming on this site quite alot but never posted on the forums before... Decided that i'd post here in the debt free wannabe for some support! The debts have been gettin a bit out of control and now I've decided that something really has to be done bout it... was hoping that I could get a bit of support/advise…
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Going to bite the bullet. We lost. REPRIVE????
My bad news is that is looks like we are going to have to go bankrupt. We vaguely toyed with the idea last year but did voluntary arrangements instead as after investigation we decided it was something to try to avoid. All has gone well for the entire year - but the year now is up, half the creditors are refusing to take…
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Pension/Savings or Debt?!!
Hi everyone This is my first post. I have been reading this forum avidly for the last week and have been very humbled and inspired by all the stories I have read. Other than my mortgage, my only other debt is a Northern Rock Loan for £9500 which I took over 5 years, last June, at 5.9%. Up until this week I have not been…
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Who to choose - Payplan or other?
Hi - I have finally had my lightbulb moment - it was scary but now I know what I need to do I just want to go ahead and do it. We (me and OH) do really need to do a debt repayment plan and I have been reading on this site (which I am now addicted to!!!) about other people's experiences. I know that I need to avoid…
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In despair...
Why is it the more we try, the more goes wrong?!! I thought I was doing well then flippin everything goes wrong. The puppy ate my youngest's shoe... so I had to replace them (and she hadn't gone up a size). A cats eye flicked up and put a whole in the front of my car... now need to repair (excess costs more than repairs).…
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Debt free future?
Have just spent a good half an hour reading a thread in a different section regarding house prices, with people playing around with LOTs of money, making my debt seem like peanuts, thats not to say that my debt is any more irrelevant to me however. Its got me thinking (and motivated) to what am i going to do after i pay…
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what other means of earning money from home
okay, we have been trying to find ways and means of saving and earning some extra cash from everything....But have we actually looked at most of the possible opprtunities? Some have suggested that selling in ebay and carboot sales is the most popular form of money spinning....Some have suggested to save up some pennies…
