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I may be being stupid but
On one of the debt management websites there is a precedent letter to creditors asking them to consider writing off the debt. Has anyone done this? What are the implications? My OH's debt is rising by probably £500 a month in CC interest and he cant make the repayments. advice anyone?
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MBNA phoning my neighbours!!! Help!!
Hi Everyone, Been a watcher for a while now and MBNA's actions today have finally prompted me to dip my toes in for some advice :eek: Myself and hubby have recently organised a DMP with CCCS. All the companies we owe money to have been fine except (surprise surprise) MBNA. We have follwed CCCS'S advice but they are still…
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I just want to be normal...........
Hi guys, first posting so be easy on me. I have been trying to get out of debt for the last 6 years but the problems I have just hit are getting me down. Any comments or help gratefully received. The past sob story :( : When I was young and impressionable I refinanced some debts (both joint and his) with my live-in…
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GRRRR @ catalogues
I come and find this website, i write down what i plan to do to save money, one of the things was to throw away my catalogues, so that i didnt feel tempted to spend in them, then guess what comes through my ddor this mornig, Oh yes you guessed it , a freemans catalogue, the exact same one i threw out last week. So then im…
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Debt free on 2nd May 2006
I hope to be debt free on this date, not in the most ideal way, I will be declaring bankruptcy! With around £140,000 worth of unsecured debt I do not have any other choice. Some of you will have seen my previous posts earlier in the year and I have tried Payplan, I have tried IVA and I have tried to cut back. All these…
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Any catches
I've just recived a letter from collection agency concerning my marbles card, i was actually in process of paying off the whole £4700 direct to mables, they pass me on to collection agency, who have advised if i make a full settlement they only want £4100.. Any suggestions of best action for me to take
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good news for me any way
just thought id share this bit of good news my wife has just been with her accountant for a meeting and her antique shop combined with being a power seller on ebay selling antiques has shown a net proffit of 27k in her second year,at this rate ill be giving up work and joining her who knows i could be the next david…
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coo-ee! Calling Mr What's the cost snowball calculator
forgotten your username and can't find the blasted thread you started to let us know that you had amended the snowball site so that users can save their snowballs. I've just tried out the new snowball save facility on the website, a great addition and a big boon not having to copy and paste the table into a word document.…
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A radical way to pay off debts
I really have nothing to do at work so I thought I might tell you all this Two months ago I was racking my brains trying to think of ways that I could make some extra cash, then I saw this advert saying "SELL YOUR STORY" I laughed at first thinking what on earth would people want to know about me? However when it said…
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Savings accounts & Bankruptcy
As a bankrupt, I wanted to open a savings account. That way, I could put some money away each month, that would then be used to pay for dentists etc etc. So not excess money, but money I had budgeted for expenses, but wanting to put it in a serperate account so it wasn't sitting in my current. However, as anyone who has…
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First Month
Just wanted to share that this is the first month me and OH will have spare money at the end of the month (which we will be putting into savings) It has taken us a while but we have managed. OH is going through CCCS to sort out his debts, his estimated debt free date will be May 2009. He feels that a huge weight has been…
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339.00 Bank charges in less than a month..
I really don't know where to go with all this.. So please can somebody help me. Very long story so please bear with me. All started last August when I was hit with depression again after feeling "well" for quite a while. Anyway, was signed off work as sick and received full pay for 3 months then went onto reduced pay. This…
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Devastated - has happy ending!
Am so upset... I set up a regular saver from A&L account some time ago and was advised that the first payment would go out on the 10th April. Unfortunately I lost my job on the 24th March and intended to ring A&L to advise them of this....unfortunately I only remembered on the 10th which by this time it was too late. I…
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Lodger worries
Dear all In my quest to become debt free I am going to get a lodger. Thing is, I'm terrified! I don't know where to look, how to look, what to look for...! Has anyone got any recommendations of websites/places to find someone. Also, what are peoples experiences - good? bad? I think I want a guy rather than a girl. Love to…
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Sorry have to share my good news!!!
in 2000 I was working for a company who paid my final pay by cheque when I left and posted it to me... to my Ex's address as we were in the middle of a split up at the time he didn't feel like forwarding all my post. I later got the letter (some years later) and thought I had missed the boat but kept the cheque to remind…
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What will you do with your monthly payments?
I suppose it's a familiar question dressed up differently but my wife and I were sitting there last night bemoaning the fact that we won't be able to afford a sensible holiday until we are debt free (snowball says 6 years but hopefully it'll be sooner...) So I said, yeah but when we're debt free we'll be able to afford a…
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:( council tax trouble.
just phoned council to check last nights payment through and they say court tommorrow for DH and Me.Apparently they issued a summons each for the same amount but its only one of the amounts. anyweay summons not rec'd here. wants dh to phone.My memory probs mean i cant talk on phone well. Dh doesnt do £££.Has never done his…
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Help!
I have itemised my SoA and the same for my OH - is there anyone who can have a look and advise us where to go from here. Im not sure if I feel better or worse for looking at it all written down. In fact I feel sick now thinking about it :-( Im not sure whether to post it here or not as it is very long!!
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How Much Have You Spent Today 12th April
Well, no one else has started it so come on, how much? I have to buy batteries today for the digital camera so I can sell stuff on ebay, so slightly justified spend maybe.
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Made some money, going straight on c/c
Morning everyone JUst so happy i had to share my delight :j Thanks to this site i decided to put some books on Amazon, rather than E-Bay. They had been sat in my shed for months, put them on last night and four have sold overnight. What a great thing to wake up to in the morning, i can not believe how quick they sold I…
