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Immigration & debts
Hey all Following on from the thread below, I was wondering how having debts affect your chance of immigrating. I am currently looking into moving permanently to New Zealand but have 16k of debts. Am unsure of what I do or should I wait to I've cleared them before even considering to immigrate? Any suggestions are…
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Ok here goes - my SOA (this will be LONG)
My net income is about £2000 per month but I'm self employed so it can vary. I also get child benefit of £116 and tax credits of £47, so the total is £2163. My husband's business has just gone down the pan and he is currently earning 0. He has just started a new job but it will be August before he gets any money that he…
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I'm Back And This Time For Good
I joined mse in January became absolutely addicted to the site and money saving. For once shopping had no buzz for me and only saving money and not spending gave me a buzz. I began to worship £2 coins and was so ridiculously tight I made everyone who know me laugh. BUT...................... i stopped using this site as…
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A snowballing question
Hi I'm new to the chat forum although have been coming on this brilliant site for a few months now. I have learned a lot from you all and Martin (have the book too!). My query is how can you snowball if you are only able to make the minimum payments each month on CCs? Am I right in understanding that snowballing is about…
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Need Some Advice!
Now I know I always preach to others about selling all items you no longer need. Well.......I've got some books, autobiographys to be precise, that I don't NEED but would like to keep. For example I've got a copy of David Beckhams and Michael Owens, both signed, in hardback and unread. Had a look on ebay and Owen's is…
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Can bankruptcy affect immigration to other countries?
Does anyone know if having been declared bankrupt can affect your chances of emigrating to another country, particularly the US?
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bbc 1 - I want it now
Go turn it on!! I feel ill already.
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Old debts
Is it possible to contact a company regarding an old debt- I had honestly forgotten about it and have never been contacted about it and offer to pay them an amount to get it cleared. ie- my credit file is showing a debt for £900. If I offered them £450, would they accept this seeing as they have not even tried to get it…
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Credit file
Hi I have just received my credit files and wondered about some of the info. Is it 6 years that info stays on there- whether the info is good or bad?? Also, when does it drop off- is it the end date? thanks Stella
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the bring your own lunch rant
The 'bring your own lunch to work' discussion crops up quite often, but I just want to have a wee rant about this, as I bet my employers aren't the only ones to do this! We have a staff canteen, all subsidised by the company, but still not cheap in comparison to bringing your own. But heres whats really annoying. We don't…
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Miffi's spending/saving diary....
Okay, after many attempts of trying to be good with money, I have finally given myself the kick where I'm needed. I've decided that instead of going into panic, I'm going to do something about it. I particularly need to find £1k (I owe a friend) pretty sharpish, so that is added motivation. Anyway, here goes. Today…
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Managed loan?
Hi all New to the board and after a good browse of the site, think everyone's advice is so helpful so was wondering if you could throw some my way! Typical student really...here's my debt line up: :eek: - £10,500 Student Loans Co. (Not paying back yet as not earning over £15,000) - £10,000 Post grad study loan (to fund…
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Debt secured against property
Firstly I will briefly relate the background to my problem. In April 1994 I was having difficulties managing my debts so enlisted the help of EuroDebt to sort out my problems. In June of 2005 I discovered this website and took your advice and withdrew control of my debts from EuroDebt and took control of them myself. I…
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claiming back bank charges
Sorry people me and my really stupid questions, but I am currently over "2550 overdrawn in the bank and i have an arrangement with them that it goes down very month by £150 each month. I still get charge for a direct debit that there isn't quite enough money for (I am trying to sort this bit out not enough money in…
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Lob
Hi Know I must sound really stupid but LOB (Life of Balance) does this affect your credit rating if you ask the credit card company to give you that?
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debt shuffle, does this sound ok
Struggling with my debts at the moment. They are Egg card 3600 (15.9%limit (4300) Virgin 86514.9%limit (6000) Cahoot loan(flexi) 368011.9%limit (5000) Lloyds 55000%limit (6000)end Sept O/D 220011.9% I am only paying off the minimum of all of them and thought I might be able to juggle things around so at least my minimum…
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Traffic Fines - Are Bailiff Costs Legal?
Apologies if this has been posted in the wrong place, but my DH has got himself 2 tickets for being in a bus lane. At the time, he was a courier driver. In the first instance he went into the bus lane to turn left to avoid the traffic which was queing to go straight ahead and was only in it for about 5 seconds. The second,…
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Getting a lower interest rate loan to move CC debts
I wont bore you with the whole story of how I got here but basically I have 6 CC's near the limit, 4 of which are 15-16% and two are 10% it's a scary situation and my min repayments now mean I don't have enough to live off each month so end up having to dip into the drabs of the cc's for food petrol etc, meaning they…
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Thank you Lynzpower and SouthernScouser
HI ! I just wanted to say thank you :T to Lynzpower and Southernscouser. I view the debt forum fairly frequently and post when I can and have noticed that Lynzpower :A and southernscouser :A always post positvely, offer good advice and do their best to help new posters etc etc and often go beyond the call of duty. So I…
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Writing off debts.
Reading through the National Debtline sample letters, I noticed one where you can ask a Creditor to write off your debt. Has anybody any experience of this and under what circumstances. For example roughly what debt owed whether a DMP had already been in operation. Any info you can give would be appreciated. Also does…
