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would buying a smaller car REALLY help me?
Hi, further to my earlier thread about my debt situation, I wonder if anyone can help me settle an ongoing squabble I have with my partner re moneysaving: We bought my car, a mondeo 1.8 x reg but new shape two years ago, we paid £4250 and i'd say it's now worth about £3000. he, as part of his job, is required to have a car…
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My situation - Am I doing stuff right?
Hi, I am a single mum of 29 (children 8 & 10). Last year after 5 years of studying I passed my degree in Criminology. To do this, I have now suffered serious debt problems, which have resulted in two CCJ's against me and approximately £20K of debt (although £11.5K is my student loan). My situation is as follows; - I am…
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Five Years On, I've Done It
Hi, Don't want to sound like I'm bragging, but I'm so happy I just had to tell someone. For the last five years I have been attepmting to payoff debts that totalled nearly £10,000. And today, I have just made my final outstanding payment on my last debt. To be fair, there isn't much in my bank account now, and my home may…
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want to cry .. bank taking me to court
I've had so many problems with my old bank and now i just want to cry. heres the situation: bank od at £2568 & account closed by bank because of default (basically i didn't keep to terms because i paid nothing into account for 3 months) - this has been passed to DCA for full recovery who until this morning were quite…
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living together - is partner responsible for my debt?
Hi, I live with my partner and we are not yet married. I have a fair few long standing debts from a few years ago which I want to sort out. Can anyone tell me whether they will ask for our joint income and expenditure or just mine? Our mortgage, bills etc are all just in my partner's name. ...
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What have you done today thats DFW Stylee? Tues 25/4/06
:rolleyes: Ive a huge list of things to do today, taken the day off work to regroup myself and sort it all out.... Will report back once I have achieved something. And advance apologies to all ( esp newbies) today, Im feeling a bit on the harsh side and very motivated today :beer: , and this might come accross in some of…
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What have you spent/will you spend today Tues 25th April?
Hi everyone, :mad: Annoyed today as my bus fare has gone up from £4.80 to £5.50 - which I make a rise of 15%!! (Maths isn't my strong point so apologies if that's incorrect!). I only had £4.40, so had to get a single ticket and am now going to have to get money out of the whole in the wall to get home! :mad: Furious!…
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Not buying presents..
I live abroad so often send small xmas or birthday presents to friends/family. Unfortunately the postage is often massive and recently I've had to cut back. Whilst I sent stuff to my dad and boyfriend I missed an old friend's birthday. I sent her an ecard (she knows my financial situation) and thought it's ok cos to be…
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Can't sleep - one of those nights
Too much going on in my head. I had a long and sh!tty shift, got in at 8pm, made a sandwich, didn't eat it, fell asleep on the sofa, woke up at 10pm, went to bed at midnight, gave up trying to sleep, came on here to see who else is awake too and to eat slightly dry sandwich. You see, my brain went into overdrive, number…
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Do any of you have any experience of....
moving from one end of the country to the other with partner and kids...? How did you deal with it.....planning wise and financially? I only ask as my brother is planning on moving from 'down south' back 'up north', basically finding cost of living etc too much (that and has debts - don't know how much); only him working,…
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Slightly desperate. mbna versus mint.
I have followed these boards for many months, all the time sinking further into debt. I have cried so often at some of the stories on here, and more than that at my own story. I won't bore anyone with my story, it follows the same pattern as everyone elses really, but after looking through the messages one thing i notice…
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credit ratings
This is my first posting, my question is:having viewed my credit file on Experian it is noticable that it is littered with old credit aggreements, from morgages to the fridge we had from comit, all are long gone. Is there any point in writing to these credit companys to wipe them off. They have all been paid properly.
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IVA or PayPlan
Hi, I have made enquiries at PayPlan, and with Uk Insolvency Helpline. I'm still waiting for Payplan to get back to me, what exactly will they do to help? Also what are people's thoughts on IVA? Can I still get a mortgage, will I have to pay a higher rate on a mortgage. Any help or advice on either of these would be great.
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Interim Justicia
Had a strange letter from 'Intermin Justicia', they state they are now dealing with my debt from Great Universal, although i'm not quite sure why its been passed to them as i have a payment arrangement with GUS to pay £30 per month and am up to date with the payments - any ideas anybody ?? :confused:
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Reclaiming credit card fees
Hi I have been charged numerous overlimit fees by Abbey. Can I claim them back? If so how? Tracey
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Dmp/iva
I have a DMP with Payplan for 54k worth of debt, with the amount i pay per month it will take me for ever to pay it back. Can anyone give me an estimate as to what amount i would need to find per month with that debt if i was on an IVA Thanks
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Help with debt advice
Hiya A friend of mine is really panicking as they are in debt and although I am aware of payplan was looking for the name of the other company to go to that helps with debt problems. Thanks! :rolleyes:
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Taking mortgage payment holiday to pay off debt?
Hi all I'm getting really impatient and v fed up with seeing not much change to the debt situation. I was thinking about taking 3 months mortgage holiday and clearing one of my credit cards with it. What do you think? ~x~
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Quick Tip for londoners
When you are delayed on the tube, did you realise you can claim back the journey. even on oyster? My colleague told me this earlier... and I felt the lightbulb ping on. For every journey he gets delayed ( I had a few last week..) he claims. Each one comes back at 2.30. Yes, a bit of a hassle, online easier than doing the…
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Not as debt free as I thought we were :-(
:confused: I went onto hubby's online banking today to check on our direct debits and noticed that he is being charged £6 ish per month for a credit card we got rid of 2+ years ago.We didnt cancel it, but we paid it off with the extra money we got when we took out a new mortgage to buy our current home. We havent received…
