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Friend in debt
A friend of mine has just come out of a pretty poor relationship with a guy who's basically sucked her dry. She paid out for pretty much everything and racked up huge debts on her credit card for her age. She's fairly unlikely to get any money out of the guy as he's a waste of space. She's 22, has 21K of bad debt on credit…
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Sammy115's Debt diary
Thanks to all who helped out with my SOA. Taken all on board and given myself a good talking to. As promised I did the snowball calculator. I should be able to pay off my debts in 30 months. That is sooner than anticipated. Have yet to phone Orange. Thats tonights job. Didn't put it off but the baby had wind and couldn't…
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help required please! - soa included
Hello everyone, I've been reading this forum for a while now and decided to post to ask some advice from someone who might be able to help. This is my situation in a nutshell: I owe over £39K in 2 unsecured loans, 5 credit cards and an overdraft! Up until this month i've been managing to repay the minimum payment on my…
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Advice Desperately Required!!!!
Well what a day! Today my husband informed me of his secret debt problem, to cut a very long story short he is debt to the tune of 50K, mainly loans but a couple of credit cards too. So although murder is a very tempting option right now I think I need some practical advice. We have a mortgage for 47K, this is being payed…
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consumer credit agreement
Can anyone help with this one. Had an agreement with Argos additions. had cover on the account. Have spent 12 months trying to get Sterling (Insurance company) to pay out on the policy. In the meantime with Insurance payments and interest the debt has doubled. Eventually this week sterling have agreed to pay the debt as it…
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I'm new - Here is my SOA.....
Hi all, Here is my SOA. I have been reading through the site for about 8 months and trying to cut down during that time - I now just need an extra shove to help me along the way!!! My first time posting here so hello to everyone and thanks in advance for any advice. Monthly Incomings: My salary – 300 (Average – as I earn a…
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My SOA - never really done one before.
Monthly Incomings: My salary - £1,655 Partners salary - £0 Child Benefits - £68 Total - £1723.00 Monthly Outgoings: Mortgage/Rent - £654 Council Tax - £65 Gas - £20 Electric - £15 TV License - £10.99 Sky £49 (am tired in after we made a harsh decision :( so can't go onto a basic package till sept 2006) Mobile Phone - £40…
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going round in circles!!...help needed!
well i still feel like a bit of a newbie here (although been following for a while) been making those small steps to save money so today thought i would tackle my telephone/internet/tv....all with ntl.....i was on a good deal but the 12months ran up and is now £45+ call charges....this is basic tv broadband and phone with…
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Credit Rating AGAIN !!!
Hello Again, The last time I posted a question was about having a very poor credit rating, which was a result of a few late credit card repayments (which has now been payed off in full and account closed) and being overdrawn with my bank account for the best part of my young 35 years :eek: Can someone tell me if asking the…
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How do you feel about Hand Me Downs/Second Hand Goods?
Good evening all. I am a bit annoyed this evening. As most of you are aware I am trying to pay off debt and trying to be as money saving as possible. Well I wanted to get a breadmaker with my Avon selling money that I made. However, as this would be £34.99 I thought I would try on freecycle to see if anyone had one that…
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Sorry not been around for a while but has anyone heard of Lions Henry?
Hi Everyone, I haven't had chance to post for a while - my husband still does not know about my debt and I haven't been able to get on computer. I filled in an online form last night requested advice on my problem (£34000) today I received a phone call from a company called Lions Henry who will arrange an IVA or a DMP. He…
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Seen The Light
Hi Folks ! I have been a browser for some time but have never thought anyone could be in as much debt as I am and have always buried my head in the sand (so to speak). :eek: UNTIL NOW! Lewby I hope you don't mind me saying this but by noticing your debt you have SHOWN ME THE LIGHT.That I am not the only person who owes…
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I've finally Woken up
After a bad break up with my ex girlfriend October last year, I've just woken up and realised I've blown £10000 since October, god what planet have I been living on, So I've just added up what I owe and I'm shocked £13500, So now its down to organsing my fiancies and sticking to them, any help from you guys will be a help…
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What would you do?
I have the opportunity to put all the debt into a manageable mortgage payment. It means putting 30k on the mortgage for 15 years and pay back £260 a month or continue to pay £700 a month for the next 4 years. It would be nice to get the payments down but it would also be nice to know in 4 years the debt is cleared rather…
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woohoo!
Just checked ciao.co.uk and my very first survey pound is sitting in my account! Ok.. not much.. but a pound more than I would have had without you guys, and I'm sure I have about a fiver more to come in the next 2 weeks. :iloveyou:
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Debt Management Plans
Hello, Myself and my husband are trying desperately to clear our £58,000. After discussions with several debt management companys, we were told that we could not afford to do an IVA. We therefore cashed in our endowment policies, changed to a repayment mortgage, and paid off (with some help from my dad) £32,000 worth of…
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Lloyds TSB / strict limit / collections
hi there, I have an account, a loan and a credit card with Lloyds TSB. I called them recently, as I have been out of work, to ask if it was possible to have a payment break from my loan (as I had done with Egg loan). They told me no - it was not possible and if i had trouble meeting the repayments i should contact the…
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just a quick phone call.......
........as I was just trying to activate my card for my new account (A&L premire direct!!! :j :j ) Then, just when I thought I could get back to MSE, the lady put on her extra nice voice and treated me to a long-winded explanation about what I think is a protection plan - £59.99 per year for access to a special…
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What have you done today that is DFW stylee?? Weds 19th April
Hi there - couldnt see this thread so thought I would start it today. Ive been good today eating wise - only used up stuff from home. My main DFW thing today is that I have been to the Small Claims Court and filed my claim against First Direct for unfair bank charges. The clerk wanted to check the address for FD so I got…
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An Interesting Experiment....
As part of some research I was doing for work, I decided to carry out a wee experiment into how easily I could get into the situation where i just could not afford to repay my debts. All theoretical, of course. Went through my wallet, found 4 credit cards. Only one has a balance on it, the others I used for their 0% intro…
