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Any ideas
I just wondered if any of you have any ideas how we could improve our finances and decrease our debt. Its a bit messy. Debt (caused by ~School fees Buying a BTL flat and getting lumbered with £5,000 roof bill for dry rot, plus selling the flat last year for only £5000 more than we bought it. (did not break even on it)…
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Hope this helps someone
I've only been here a short period of time but I already feel like I owe something back to the community so I wanted to write a little guide to help people try get on top of there finances. I can't promise this will help you but it helped me at least manage my finances better. -Get internet banking This I found to be the…
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Cutting back On Insurance Cover
I've posted in the Insurance board but haven't had a reply so thought you guys could help me. I'm trying to get prices to save on my household insurances, building and contents. Legal cover is £16 extra for one company. Do you think this is essential or a way to save some cash? Do you all chosse accidental cover too? I've…
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Why do some companies ignore you?
Hi I have a few oustanding debts, Moorcroft actually don't respond to any correspondance you send to them just ignore it, then they sent round a collection agent and i told him i was disputing the debt and wouldn't be paying unless they gave me the correct figures, they still don't respond to my correspondance, also have a…
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My Aunt and the bailiffs
Hi Everyone, I was wondering if anyone could assist my aunt? She currently has an outstanding Council Tax bill of £3000 (I know, I Know!!!) and the bailiffs are on her case. They have currently clamped her car which is on her driveway, and has been like that for around a week. She needs the car for work as she has 5 kids…
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How much have you spent 11th April
Nothing for me, my manager bought me a Latte this morning though :j
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Payplan help please
Me and OH have a huge amount of debt. (I must admit I am managing mine well - but feel my OH needs some help). He lost his job in Nov and has sort of been contacting his creditors by phone and sort of burying his head in the sand. I know he wants to do something about it bit doesnt know where to start and kind of relies on…
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Light bulb moment!!!
Hey guys, please bear with me first post, been watching for a few weeks now tho. Had my light bulb moment yesterday, thank god relief and on no scared feelings all at once!!! Looking at most posts on pps seem to ask for on SoA, heres a brief idea. I'm 19 and in yorkshire. In some ways i think i've done quite well, me and a…
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Advice for a friend with debt
My friend is desparately in need of help and wants to get rid of her debt. She basically has a loan of £2600 of which she pays £300 each month. She also had three credit cards of which two has now had all it's debts all cleared since she balanced transfered it over to one 0% card. She now has one final 0% card (which has a…
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IVA Question
If I was to enter into an IVA, would my creditors be able to come after equity in my property at the end of the period ... for example ... I have a property worth £130,000. There is £22,000 equity in the property. Mt debts are c.£35,000. If I was to enter into an IVA over 5 years couldthey then come and ask for equity in…
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Why arnt my TSB loans on my credit file ?
Hi all. Quick question. Ive had two loans with TSB for the least few years. Ive never missed a payment and have now paid them both off completely. Question is, why have these loans never shown up on my credit file(s) I bank with TSB, is this the reason ?
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PayPlan
Hi There, I have finally taken the plunge and written down all of my debts and am absolutely horrified :mad: - £18,200. There I've said it!!! I've found lots of great advice on this site and want to thank everyone for it. It's great to feel that I'm not alone. Anyway, I decided to contact PayPlan and filled out my…
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Help with Letter to Council RE - Business Rates
Hi guys, i wonder if anyone could help me to compose a letter to the Council regarding Business Rates for the year 2004/05. We owed £538.00 in arrears and as i couldnt raise this cash at once i wrote to them to ask if they would consider putting it on the current bill for 05/06. The letter i received was as follows:- Dear…
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Anyone else feeling crap
Well once again I feel utter crap, I have no money. Theres nothing very good to eat in the house, my clothes are past it, need new ones. Got no money to spend on anything. Not much to look forward to, feel like a tramp. It's not good, but theres nothing I can really do. Just wish a few thousand would magically land in my…
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Less Than £30k To Go!
Sub £30k at long bleedin last! :D God only knows how long ago my debt was this low! :rolleyes: Only £29,732.42 to go! ;) :rotfl:
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experian report.lloyds TSB.Status 2's.
As recommended by Martin , got a copy of my credit file from experian just to check. There is an enrty for a Lloyds TSB loan. It shows a balance of £69 , and a status history of 1100000. I understood that the loan was paid off in June/July 04 as i have a letter from lloyds TSB thanking me for custom and confirming that…
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(HELP) Negotiating with my creditors
Hi everyone. Looking for some advice regarding negotiating with my creditors. I am student, working part time and in roughly £14,000 of debt not including my student loan. I am in the final 2 months of university and struggling to meet the minimum payments to my creditors. My credit rating is very bad (constantly going…
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Confession ! (i still have Sky Movies)
plus we have DVDs & chinese takeaway last Friday of every month.(which is much cheaper than weeky cinema & meal out for all four of us from the olden days, honest) I could save £36 on SKY and about £25 (plus popcorn etc) from the monthly blockbuster session. What are my alterantives please for a monthly film fix ? Thanks…
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Sold my Car!
Well since coming on here about 6 weeks ago I've really changed my attitude to money and one of the first things I identified was that spending £150 a month on a nice new car was really not a priority... So I decided to sell it, and as of today I have done so and no longer owe the £5,500 I did this morning! So it's…
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Do I Pay What they are asking?
I have been in a right mess financially for years whilst a single parent of 3 and registered with one of those debt agencies that help you to make arrangements with those you owe money too. I have recently married and my husband wants to help me get rid of all my debt. When I started with the firm, one of the things they…
