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which company
cccs or payplan ? whos would be best or they the same ? plmk asap
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What have you spent/what will you spend today, 22/5/06
Hey all!!! How's it going today? It is p1ssing it down here today!! Joy!! Got my wellies on today!! :p So far not spent anything, am aiming for a no-spend day today. Got some cash to put into the bank so that I can pay some money off my credit card. Nearly gone!! Have a good day all! xx
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Husbands debt
What would happen to the debt my husband had taken out if he died tomorrow? None if it is in my name and what debt my husband has is offset against his tax at the end of the financial year but i am just wondering now hes working away again, what would happen to the debt if something tragic happened and i was left a widow…
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Ashamed but Thanks
Hi All. I would just like to say thanks to everyone that posts on this forum. I have read most of all the trouble and woes and their replies and you have given me the confidence to do something about my very large debt. I do mean very large too ashamed to say how much and no one knows anything about it. Over the years I…
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Need some reassurance!
Hi all Im posting as Im feeling a bit muddled up, confused, worried, scared and a million other feelings! Im in alot of debt, im quite young for it really and have asked for help. Ive contacted the CCCS and theyve been great. Im at the stage where Im sorting out new account, about to send off token payment form and signed…
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I am a stupid idiot who needs a good slap
why am a I so stupid :o picked up a £30 fine tonight for not wearing my seatbelt :mad: how stupid can you get :confused: someone please feel free to give me a nice big virtual kick up the backside. thanks for listening. :doh: :doh: :doh:
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Fishface's debt diary...
Well its been a long couple of months since my rock bottom/lightbulb moment & much has changed in that time. My sig shows the current credit card monies owing but in addition there are lovely loans (that I cant make overpayments on). My plan is simple...spend nowt, sell everything & pay as much off as I can. When the CC…
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My Debt free date :)
*lines up to collect a DF certificate* Evening Folks, So following on from my thread "what else can I do?" I have today got the cash from my car. That cash has been allocated to clear my debts. (payments set up but cash not gone to them yet) I am very happy, and it's such a nice feeling. I have reviewed my budget several…
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Hello new
Just to say hi found this forum after seeing martin on tv and found there is help. I have got a inverview with the cccs tommorow. I wouldn't say I've got big debt problems but they have just got to a point where everyone wants there more plus charges (which I am now going to try and claim back again thanks to this forum)…
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Would a reckless spender put you off a relationship?
After seeing the thread regarding debt keeping us single, I thought about it on the flip side, as this is quite relevant to me at the moment. If you liked someone but they have a reckless attitude to spending (ie it all went on going out, nothing in savings) would that put you off? (i know it does me) Having read a couple…
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Trying to help someone who maybe doesnt want to be helped.
Hi Everyone, Just wondered what your thoughts were regarding this situation. My G/fs brother has had credit problems in the past but had just about got himself sorted (he was forced to by his mother taking a % of his earnings to make the payments). Howver he moved in with a woman and she is now pregnant, alongside her two…
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The end is in sight - or is it?
For almost eight years I've struggled to keep my head above water after ex disappeared leaving me with huge debts (long story). Anyhow, he's long gone (and hasn't been seen since) so I've paid the morgage, chipped away at the debts - some with arrangements - and got a full time job. We've survived! It's not been easy…
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Opening new bank account - solo card question..
Hello I am currently in talks with CCCS and they have recommended opening a basic bank account. I have applied for an account with HSBC and that seems to be going through. They have offered me an account with a Solo Card. Is there anyone out there that has a solo card too? Just wondering if it is like Switch or is it a…
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What have you spent/will you spend today- Sunday 21/5/06
hope i am not stepping on anyones toes, only this post isnt up for today so here goes :) i have spent the following: chewing gum = 28p notebooks *5 = 80p tv guide = 38p crisps = 65p choc bar = 59p dairy milk = 29p cinema admission = £6.60 total = £9.59 (first non spend since last monday too)
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Advice needed for boyfriend please
Hello everyone I'm just asking for some advice on behalf of my boyfriend. He's in debt as well but unfortunately hasn't had the lightbulb moment yet!! I have tried soooo hard to get him to cut his spending down and start clearing his debts but I think he is hearing what he wants to hear. I don't live with him, he still…
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Credit card conundrum
I had three credit cards, and have now cleared two of them. One has been closed, the other will be closed as soon as I receive confirmation that the balance is now zero. My remaining card I am keeping, as I am now a 'responsible' credit card user - I haven't added to the balance in months and no longer have any desire to.…
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Just saying thanks to you all...
Hi! I just wanted to share how chuffed I am that since finding this site in Feb and implementing some of the tips straightaway, I have been reviewing my current account and have had no charges from bank since the end of Feb! There's still a long way to go, we have an outstanding loan to work on, two overdrafts and more…
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First time
I've used my overdraft this month. I've never used it before as when i ran out of money i used my credit cards, but as they have been cut up since Dec i've had to go into my overdraft. Im not sure why this month has been so different, think its the 15 year old brother i have living with me, i've had to pay out for a few…
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When can a Creditor Contact me?
I am sure I read somewhere not on Sundays (or is that wishful thinking!!!) and only between certain hours of the day? Can anyone put me straight????
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My plan to stay online
Just realised if i spend all my time on the forums here on MSE, then i won't be tempted to go out shopping or do any shopping online!!:laugh: So I'm chaining myself to my laptop and never logging off!! :dance: who's with me!!!!:tongue: :laugh: :grin: :D
