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'settled' debt being chased - where do I stand?
OK, this is pretty brief because it's all happened rather quickly so far.. I'll explain in chronological order. Years ago (2001 or so) I got a Royal Bank of Scotland Student account (with overdraft) and Credit Card. Bad things happened, some of them my fault, most of them theirs (That's my side, at least.) I ceased…
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Help Me Choose Folks!
:confused: http://forums.moneysavingexpert.com/showthread.html?p=2157662#post2157662
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Materialistic?
Hi Everyone, I was flicking through the Argos book yesterday (thinking about investing in a slow cooker) and decided to browse through all the kitchen appliances they had available and do you know, i found a toaster in ther for £5.87 (or thereabouts) and I also found a toaster for £60...and I thought to myself, do they not…
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Newbie questions
OK, first of all just to say I've been a long time lurker and heartily admire all that everybody is doing to become debt free. My questions regard OH's previous debt problems and I may be in the wrong place to ask these questions so apologies in advance.... He (in a moment of kindness!) paid all of his ex's credit cards…
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Secured loan or not?
Hi Probably a familiar story, but could do with some pointers for our first steps. I'm going to do a full budget later but it's hard when my income varies greatly from one week to the next (self-employed). I'm trying to solve that by getting a well-paid salaried job. Anyway, here's the details: DEBTS Car Finance £3,453.42…
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Credit card exhilliration
Oh I feel so refreshed! Last night, hubby said oh don't forget to pay the credit card, so we sat down together to pay the bills and tidy up the finances. He went to the index file where I keep all the cards we own, everything from membership to loyalty to bank cards. He went through it and between us we closed at least 4…
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Debt spiral due to account charges :s
Hi Im looking for a little advice as for the past 7-8 months I have been struggling with debt. Mainly due to spreading finances to thinly but also due to Llyods TSB bank charges. Basically I have been in a spiral of paying the charges one month which doesnt leave me enough to pay bills etc and therefore paying charges the…
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Snowballing, 2 techniques
So far I have come across two techniques, both which have pros and cons The first one is by paying off in order of Interest The 2nd by paying off in order of speed to pay off. Snowballing is basically the process of setting a method or order of paying off cards, which gathers momentum as you pay off cards. For example, we…
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Bankruptcy
As anyone done this as I would like some advice about it as I am thinking of going?
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Debitas?
Has anyone heard of Debitas? They've called for my OH and I'm pretty sure they're a DCA. If anyone has had any experience in dealing with them, I'd appreciate some help! Thanks xx
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What have you spent today- 16/05/06
Sorry if this has already been posted.... I forgot my HM lunch today, I am gutted! So as "punishment" I have bought myself the cheapest, nastiest sandwich from Tesco (97p), hopefully this aversion tactic will stop me forgetting it again this week!
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Help - Budget Tangle
Oh I have got myself into a right tangle!!! Im trying to put together a budget to keep track of our spend...the problem Im having it two fold. My Partner is paid monthly which is the lion share of our income and I am paid weekly, so do I add my weekly wages up and put down a monthly figure? which is not accurate because I…
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Whats a "charge on your property?
hi everyone, this may seem a stupid question to some of you but what's a charge on your property exactly? had a letter this morning threatening this, would the courts impose one if i'm on a DMP? best wishes Luke;)
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About to go under
Hi All Like most people Ive been reading these messages for a while now and finally got the courage to post a SOA and try and get some help with my own problems. Scary reading to me but im sure your's are just as scary to you. Ive come come out of a marriage with these debts and so far all payments are up to date but I…
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am i addicted????
just wandering if any one else feels they are addicted to getting into debt?? probably sounds stupid but last year i found myself in a deep deep whole and after confessing all to my husband we sorted it out by remortgaging i promised myself never never again yet i seem to be starting again with catalouge debts here and…
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a bit confused after bank review
Hi My understanding when previously visiting the CAB had been that the overdraft and credit card debts would be treated as one debt and that I should make one single offer. What has confused me is that the bank are now speaking of two separate debts, saying that it will have to be two separate payments of half the amount I…
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Quick question about giving account numbers
Hi everyone, sorry to just barge in and post.. I've been browsing for a while and finally got round to giving payplan a call to try and get some advice about the best way to handle my debts. They have rung back tonight, and tbh, I felt uncomfortable about giving some of the info (children's names, DOB etc) But one thing I…
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Earning extra £s
Is anyone aware of any reputable companies/ways to earn extra income on top of my current job?
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Bit worried...
Halifax contacted me today, (I have a credit card with them), and I told them I was with Payplan and they will contacting all my creditors shortly, and they said they won't offer an arrangement because I used my card last month, and they have to allow two months of no use to go into an arrangement?? I am slightly worried…
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A&L Overpayments Question
I am allowed to make overpayments to my Alliance and Leicester Mortgage. Does anyone know if the term will automatically reduce OR will the monthly repayments fall? I'd prefer the former. Do A&L have a set policy on this?
