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My Update
Hi all. I am just looking for advice on where I can cut back. I have just gone from full time to part time at work to spend more time with my kids and although we have lost income I think I have adjusted our budget accordingly. I would appreciate advice if anyone can help me tweak our budget a bit. Here we go then: SKY £36…
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Percentageage of balance as settlement?
Can I ask what pecentage of a balance is a fair offer as settlement and what experience have people had of paying settlements
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Running my own business....
I currently work evenings so I can spend the day at home with my two children. I would like a second income and although I do loads of paid surveys on the internet and do some mystery shopping as well I would like to run my own business. Only problem is I need ideas for what I can do. I dont want a second job this is…
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What To Do
Hi i am new to this so please bear with me. Between me and my wife we owe £33000 on loans and cards,up until now have been managing ok. My wife is a childminder and recently a couple of children have left therfore reducing income by about £400 per month which is quite a big loss. It seems that an IVA or Payplan is the only…
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Enforcement Notice
Hi All,can anyone tell me what an enforcement notice is :confused: Just got 2 this morning from Lloyds Tsb,looked up on justsbank,but nothing about them on there.Is is just another Default notice or is it worse? Can't phone Payplan today as they are closed,and don't want to worry until Monday. Also got to send solicitors…
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Woohoooooooo
I Just got a letter from my banks solicitors offering me all my charges black plus my court fee. So after my dilemna of "can i afford the court costs on my cc" it was definitely worth it!!!! All done before i even got the statement :) :) Good luck to anyone else who is in the throws of this. My debt will go down £1000 when…
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What have you done DFW style Sat 13/5/06
I'll start this again today, seeing as Im up :rolleyes: Erm, might plant my rocket seeds later, depedning on the answer I get from OS board Apart from that, I need inspiration!!!
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Help me with new budget
Hello all :D Well, I have been told that my temporary job is pretty much permanent - at least two months, I see you being here for the duration, said my boss - and I will get two weeks' notice at least if they do decide to replace me, so I need to rework my budget to allow for the fact that I now don;t get home before…
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despairing....
Hi, well this is my first post on this site, although have read others posts with interest. My problem is this: I am married, aged 21 and my husband is 28 years old. We have £46K worth of unsecured debt and a £91K mortage, with a £600 deficit each month. We are in the middle of arranging offers for our creditors- some have…
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Making sandwiches for work lunch
Currently spend around 12.50 a week on lunch and am wanting to cut back on this (also should help me be a bit healthier) so if anyone has any advice for the following 1) Which is the best place to shop 2) What bread/fillings should i get 3) Would it be worth getting say a 10 pack of crisps for the week? Id prob want a…
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Help for my brother please friends
To cut a long story short his wife has left him took the kids and took his 5k life savings. She no longers lives in the family home but is using that address to gain credit cards etc. We know this for a fact. Were worried as my brother has a very good credit score and theres no way that she can pay back these new cards and…
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Help for my brother please
To cut a long story short his wife has left him took the kids and took his 5k life savings. She no longers lives in the family home but is using that address to gain credit cards etc. We know this for a fact. Were worried as my brother has a very good credit score and theres no way that she can pay back these new cards and…
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Emigrating
Hello everyone! This is my first post on here, (in fact on any forum anywhere!). I know the topic doesn't sound very debt free wannabe, but I wondered if anyone had any information that could help me. Cutting a long story short, the company I work for has a job going in Paris, (at the airport), and the missus has always…
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HSBC Grrrrrr
I am on a DMP via the CCCS and the bulk of my debt lies with HSBC. I have a loan with them and the CCCS are also unable to make my payments directly to this account, sooo frustrating, some internal IT issue apparently! So what happens every month is CCCS make 2 payments into my current account, one for the loan and the…
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IVA help!
Brief synopsis: In Dec 2003 entered into IVA £200k (debt£1.8M stolen by crooks in business deal – all properties and personal assets excluded from IVA) I am up to date in payments – very cooperative Supervisor. £85k left to pay by end of Dec 2007. I own residential property value £270k – encumberance £142k I own 8 buy to…
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Moorcroft Debt - Chased for £5.86 Admin Fee
Can I be??? I owed BT £23.42. I paid it last week direct to BT. I have recieved a letter from Moorcroft today (first one) and it reads: We acknowledge receipt of your recent payment of £23.42 against the above debt which we note was made directly to our client. We would refer you to our recent letter which informed you…
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Loan Advice...Please Help!
Advice needed! I’m 20 years old, and I am seeking some advice. I have a current account and a loan with the Yorkshire Bank. Monthly Salary: £816.39 (after tax and NI) Outgoings (Per month): Mobile Phone Contract: £32.00 Car Insurance: £67.93 Petrol: £100.00 Loan: £213.21 Every month I go into my £200 overdraft facility. I…
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what do you do if.......................
HEllo all advise if you can, right im in a DMP with CCCS have been since start of Jan, now problem or query if you like i have loans,cards and accounts with HSBC, my first loan is being paid through my current account as you can no pay the loan direct (something to do with their system no idea why) now the other loan is in…
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best current account
i want to switch my current account from hsbc. which is the best one to switch to? any tips?
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so near and yet so far....
I was trying to have my first month in 12 years, where I did not go into my over-draft this month (pay day on monday). Checked my balance today and guess what? Overdrawn by a measly £9.36! Oh well maybe next month ! I suppose it wasn't too bad considering before January I was running right up to my £1,150 overdraft limit
