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Debt keeping you single?
I've been seperated from my wife for 9 months and just waiting for the divorce papers to come through. I cleared all my wifes debt before she left as so that she could look after herself and the girls with a fresh start, but adding them to my debt will leave me in a bit of a tight situation for a while. I would like to…
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DLC Full & Final Payment advice pls
Hi, We are will be in a position to offer a full & final settlement figure to Direct & Legal Collections. They have taken over an old Co-op Loan that h2b had years ago. He has been paying back £150 a month, interest free and now with our remortage imminent we can clear the balance. We think his latest balance will be about…
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great big hole, cant see the light.......
Hi there I have a huge amount of unsecured debt, I am pretty sure I am right in the doo doo and am not convinced I am getting the best advice. Basically, I have around £106000 of unsecured debt, plus about £6500 in unpaid tax. I take home about £1500 a month and most of that goes out leaving me with about £230 a month to…
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What have you spent today - 15/5/06?
Morning all, Definitely trying for a no spender here - 2 weeks till payday and money is very short! What's everyone else spending?
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Monday off to a bad start!!!!!
I was being really good and packed my lunch for work again this morning. I placed my lunch by the front door as norm and finished getting ready upstairs. I was already feeling hungry and was thinking about my sarnies and what crisps to have with them etc. Anyway, as I was leaving I went ot pick my lunch up from near the…
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Loan Default Charges
Hi I have been reading the posts about claiming back bank charges for being overdrawn etc and wondered if these applied to loans too. To let you all understand, last year I stupidly took out a small loan secured against my car, as i have a very poor credit rating due to previous marriage and being left in the ****! I…
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Looking for a little advice!
Hello folks, I am new to this forum although I have been using the website for some time. I am looking for a little advice. I currently have a high level of Credit card debt which, whilst bothering me, is not really proving to be an issue at the moment since I earn a pretty good salary and can make the monthly repayments.…
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Are you in danger of becoming a debt free bore?
Yesterday someone asked if they could borrow a pound off me and I gave them a lecture on living within their means:rolleyes: I advised they make out a shopping budget and try and get some savings behind them. I said they had to prepare for when they are a pensioner as we don't know if we'll get enough to live on by that…
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Spare money each month
I have been managing my own DMP with my creditors for 18 months or so and have been lucky enough to have the interest frozen on all the accounts (except the loans which had the interest fixed at the beginning of the loan and is therefore included in the whole debt). At the end of each month, we are finding that we have…
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Which DCA/solicitors?
Do Britannia Music & Severn Trent Water use? I keep getting calls at work from a solicitors & can only assume it's about a debt, the only ones I can think it may be is either of these. I haven't been able to ask them as the last call was when I wasn't working & a colleague didn't take the number. Can't remember their name,…
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Early settlement
If an IVA is settled early (within the first year) will the IP's fees be reduced?
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Looking for advise to make more cash so I can become DF quicker!
I currently have two jobs and I have sold things on Ebay but with my goal to clear at least one of the debts by the end of the year I need to find another source of income. My main job I have just finished training and won't be allowed to do overtime until the beginning of June when I get put onto the shift rota, Im…
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thats it i have had enough
I have had enough, i have just checked my accounts, i get payed tommorow but it shows up today, anyway, i have another month of living on exactly £6.77 not much of a life is it? :mad: i cant belive it, thats another month of using my overdraft to pay the min payments off all my debts :mad: i have been working in a dump all…
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Having a pretty low day today (warning, long, self indulgent thread)
Probably because it's Sunday and I always get the blues on a Sunday before having to go back to work. Boyf and I had a row about £56 on airport parking. He was supposed to pay it to balance the money he owed me for the flight. We then worked out he couldn't afford it so I had to get it on my credit card and he said he…
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Question about O/D usage
I have a competitive, small O/D (£500) on my current account and use it regularly! My rationale for this is that I'm currently paying off some much more expensive debt and would rather use the O/D temporarily. I aim to finish this by Dec and clear and half the O/D balance. Is using an overdraft in this way potentially a…
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Hi, I'm new too
Hi everyone I've been lurking for a couple of weeks, but just got brave enough to say hi properly. It's really hit me recently that I need to do something about my debt, so since 1st May I have been writing down everything I spend so at the end of the month I can see where to cut down. In the meantime I am already trying -…
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6 month review. the boy done good
Well, its payday tomorrow and looking at my spreadsheet ive been DWD now for six months after having my lightbult moment in November last year. After this months payments im down to £6336 :j November 2005 I owed £14800 :eek: Thats £8464 paid off in 6 months :D Ive been very lucky though as I managed to get two PPI refunds…
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Hello, New Here!
Hiya Just thought I'd introduce myself. My name is Nicola & I'm 20. I'm married to Ben who is 25, have a son Toby who is 2yrs2mos and I'm 18weeks pregnant with baby-two. After Ben became self-employed last year, our finances have gone down the pan. We got married in December, and I think we resisted saving for that so much…
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Anyone gone to drastic measures to pay off debt?
I was wondering whether anyone has considered (or used) drastic measures to make money to clear their debt. I don't mean not washing for a month or taking loo rolls from work, I mean verging on the unethical perhaps?? I don't feel ready to go into why I'm asking and don't worry I've not done anything illegal, but certain…
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On-line finance
I bought my car from on-line finance through a local car show room called Reg Vardy. I have recently paid my car loan off but when I have checked through my bank statements I think I may have paid too much off. I cant find my details to contact them and was wondering if anyone else has contact details for them or where I…
