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Spirited's SOA & Diary
As you can probably tell, I'm new to the forum. I've spent the last couple of days reading through some of the threads here, and I have been spurred on by how brave you all are. So here is my state of affairs, I have included information about my health as I think it's relavent. Brief(ish) Summary I'm twenty years old and…
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Signatures on posts
I've noticed that some of you have very detailed sigs which are updated regularly so that you can see your debts reducing. How do you do these? Are they just copy and pasted from a spreadsheet and updated as and when? I want to do one, but I know I won't update it regularly.
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Advice to best understand a friend in dept please ?
Am after a bit of advice please ? I met a guy a few months back who had previously decared himself bankrupt. He's just set himself up in business with a local grant but unfortunately there's just not enough money to back up the venture. I think he is resigned to the fact that it's going to fail, even talking about…
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Student loan late payment charges
I was just wondering whether the illegal charges applied to bank accounts re: unauthorised overdrafts, returned DDs etc could be applied to student loan accounts. I went into arrears a few years ago, having been eligable for deferment but unfortunately,because I sent my forms in late, the SLC began charging me the full…
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What Have You Done Today DFW Stylee? Sat 6th May
Hello! I haven't been in the right frame of mind recently to start this thread or even post much in those who have started it (re: the break in) but I am feeling a bit more positive today so thought I would start it off. I got a cheque in the post from British Gas for just over £10 as I was in credit with my electric (I…
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I'm so happy
Yesterday I FINALLY got that money back that I mistakenly paid into my ex employer's bank account. And its gone straight into my Lloyd's account so at least I won't be paying as much interest on my overdraft now !!! I know I've been very lucky in getting it back and will take more care in the future who I pay!!!
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Just starting....
Well the lightbulb moment came about a month ago (watching "shopaholics"!) and I've had a horrendous, gut wrenching month trying to decide how to tackle the horrendous (£30,000) debt that I managed to accrue and realising that it's going to be a long few years!! Am feeling positive(ish!) about the road ahead and getting…
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Please help, this is driving me mad!!!!!
Hello, Sorry for posting this here, but it's where i usually hang out, and don't know what else to do now. I have logged on using my OH's e-mail account and set up a new user name. I am Lydia.42 and since the site changed i can't log on. It's driving me insane!!!!! When i enter my username and password it says they are…
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Advice needed ref bonus payments
Hi all I've been a lurker for some time and am busy snowballing my credit card debts but need your advice on bonus payments at work. My DH is a salesman and gets paid £5K p/a plus 30% commission on sales which is fine. However when he originally started he signed a contract which subsequently she who must be obeyed changed…
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Saturday May 6th - what have you spent?
ooh i've never started one of these before - must be strangely early for me to be up on a saturday! i need some milk and cat food but thats all for today.
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friday night staying in thread
well here I am 11:30 on a Friday evening sat in while what seems like every single one of my mates is out on the lash. Its chucking out time at my local and its hot so ive got the windows wide open & I can hear certain individuals shouting for taxis etc (pubs just over the road, crawling distance) ah the joys of being…
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Trying to help the G/F out fo debt. HELP!
My g/f has, ran up some huge debts over the past 4 years, (and no I didn't know!!!) She is over £22k in debt. She has a car loan of £6k. A Bank loan of £6k Visa debt £4.5k Visa debt £500 Current Account debt £500 And another biggy that I can't remember. Now I've gone tthrough with her and we have trimmed her outgoings down…
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OK, confession time
Ok, confession time. Things have slipped and I am now crawling back with my tail between my legs to get back on the straight and narrow. I think you could say I'm having my 2nd :idea: moment. We are no further in debt than we were at the worst part, but we are slowly creeping back that way and we really need to do…
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Advance Money Management???
Had a call from a company called Advance Money Management about the possibility of a consolidation loan today. After a brief chat, the lovely lad on the phone said from what we had told him we would not get a loan from them, but were perfect candidates for a repayment plan. He suggested that he could reduce £10k of debt…
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Flamming HSBC!
hi all its been a while since my last confession lol! ok for those that know me i opwe heck of alot of funds i have a dmp with cccs, i have had this since jan im paying my creditors what i can afford however i received a call this afternonn from hsbc concerning my loan apparently the bank refused payment????? i am now over…
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Update from northernbird
Hey you guys, You may not remember me. I posted a while back a few times and you were all great. I haven't left, just had quite a few things going on (as you will see) which has meant I haven't been able to post much. I am in a huge amount of debt (with OH but most in my name) and I've been fighting fires as I like to call…
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what have you spent today? 5th May 2006
evening all, couldnt see this thread anywhere. apologies if i have missed it.... anyhow.... £11.30 on indian takeaway. was hungry, didnt fancy cooking. thats my excuse anyway lol....and it was yum!!!!
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Need some good ideas urgently!
Can anyone help, my partner left me yesterday and I now have the mortgage to pay and childcare and everything myself, I only work 14 hours a week and Im a full time HE student with a 2 yr old child, desperately need to saven money Old Style. Im wondering if it would be possible to do a weekly shop for me and a 2 yr old on…
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My DCA has upset me
Hi Yall! I cuurently have a debt that is being handled by CrapQuest. I have been paying them an amount which I can afford for a few months now, and called them the other day to pay this months dues. The man on the other end CHRIS HORN, said that he would not be able to continue taking this amount and that he would need to…
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Do IVAs or DMPs affect your career prospects?
Hi I'm new to this board but it seems extremely helpful - especially for reducing spending. I have over 30K in debt due to a gambling problem which I have overcome with various methods of support. What I want to know is whether you can apply to become a chartered accountant (I plan to study soon) if you register for an IVA…
