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HeavyHeart, EmptyPurse
Hi everyone My name is Jennifer. I havent posted here before but I read the forum quite a lot. Last night in bed, I decided that I'd write something here today, because quite honestly, given the frame of mind I'm in, I thought it might help to share my story, so that perhaps maybe 1% might help someone else avoid what I'm…
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solicitors letter!
hi all, today i returned home from work and was greeted with a solicitors letter [Eversheds llp] acting on behalf of Egg for the outstanding balance of £6500 they said " failure to make a payment will result in our seeking a CCJ, which once enforced could result in bailifs visiting your home to seize goods and or levying a…
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We've Got Our Post Numbers Back again but still no thanks button
Thats all I wanted to say, just noticed we've got our thanks numbers back again but still no thanks button. Sure they werent there this morning.
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I need a kick up the butt today please
When I choose my log in name it was really to do with my ultimate goal when I eventually pay off my debts! Having joined a number of weeks ago and going round all the boards and starting all guns blazing unfortunately I seem to be slacking off. I was hoping you guys could give me some advice as to how you keep it all…
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Tax man stealing my payrise!
Well, I got my first pay slip yesterday, after the end of the financial year, and the £3000 pay rise that I got in December has now amounted to a grand total of, wait for it, £40 per month! this is because apparently I've been underpaying them, I'm assuming this is due to the time from jan to now where work have been…
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Unity debt solutions
Hi, Just wondering if any one has heard of or used Unity debt solutions, we are currently looking to use them for an IVA.
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Free Haircut!!!
Hi In my bid to become debt free I am always looking out for great offers etc!!Anyhow after a tip on these boards I purchased the Prima magazine and sent off for the free haircut.I had it done yesterdaywould normally have been £31 in this particular salon.It is one of the poshest in our town(hence i have never been in…
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Removing defaults!
Hi I am in a dispute with my cc company, who have charged me a lot of money for unlawful charges espec when i had my tax credits stopped and couldn't pay them. They are willing to give th charges back but refuse to take off the default. Has anyone been able to do this with any company? carli
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Eco Cleaning to Save £'s
Can anyone give me any ideas/links to tips on how to save £'s :money: on cleaning through changing to environmentally friendly cleaning. I have heard that bicarbonate of soda is really good and that it is poss to use something in the washing machine but am not sure what :confused: . Please help :D
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notification of legal proceedings
Hi, Recently changed from Scottish Power to London Energy. Outstanding debt for final payment £95. I set up an arrangement to pay them £16 per month. After the first payment I received a letter telling me to pay up at once or face legal proceedings. I phoned them and they were closed. Before the next payment I received the…
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Late Payment charges
Been with empire stores catalogue for over 12 years, and recently missed a payment due to goods which were on buy now pay later and forgot about them. Empire have charged me £15 for the late payment. I emailed them explained the situation, but they wont refund the charges. I have threatened the leave them (which I will) if…
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You Get What You Pay For
This is what my OH thinks so please dont all shoot me down in flames. He looked over my shoulder this evening and said that we are all so obsessed by moneysaving that we lose sight of common sense. I must admit that recently a couple of things we have done to try to save money have backfired and we might as well have paid…
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IVAs % threads
Thought it would be interesting to ask people to post all IVA proposal %'s (after fees) and whether they were successful or not.
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Bankruptcy - an option or not?
Hi everybody. This is my first post so be gentle! I currently have approx £20000 of unsecured debts (waaaaaaay behind with payments, but interest frozen etc and currently paying them). I currently work and earn £15k a year, live with my partner who earns approx £10k a year and my two kids, in a furnished flat (so assets…
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A stupid argument
this is my first post so be gentle with me , not even sure if i am putting it it the right bit. we was earning reasonably well until ill health caused some problem but another story. After the initial shock of being in debt we havent really argued about money until last night and now i have the hump cause i think he is…
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Dont ya just love sig change day / halfway there
Pay day also coincided with the DDs for my debts coming out (470 quid) so for a brief time i had 2k in the bank! But another chunk of the egg card and a&l loan is paid off, and ive set myself a reasonable target to end the month on. Unfortunately a !!!! up with my planning meant i forgot all about my Tax bill, which i have…
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I hope you will be proud of me...
Something happened to me for the first time ever... I needed (and reeeeeeeeeeeally wanted) a new picnic bench for the garden. Well it was my birthday last sunday and my hubby gave me £300 to go buy my picnic bench. I had the day off today and was intending to go the sawmill today to order it, when the joint bank statement…
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Mortgage payment gone adrift!!!!
Forgot to say in my last post about BOS. Rang to make my May mortgage payment. Very chuffed to be making it early for once. When I rang I was only making April's. The mortgage has been paid for the last few months on our mortgage protection and April was the last payment made by the Insurance Company. When I checked it…
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Bank of Scotland refusing payment
I cannot believe it! Have been paid and have spent all night on the phone paying people. Last people on my list are bank of scotland who have plagued me day and night for weeks for a payment. So much so that I have written a letter of complaint claiming harassment. Eventually after half an hour I got through. When I tried…
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life assurance while bankrupt
hi all just got a letter from the OR about our life assurance at the time we went bankrupt we had a level term life assurance for £150,000 when we had our interview i asked what should we do about it? and we were told we could either keep paying it or cancel it!because it was £36 a month we cancelled it now today we get a…
