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Zippys Debt Diary
Hi DFW's I hope no one minds me starting my own thread, but I have been really struggling for the past month and think writing it down may help. I think the problem is that in my mind I have paid off the 'bad' debts cc, loan, store card & overdraft. The loan I have left was for expanding my business so I think i'm telling…
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Going to see Westlife tonight---thanks to MSE
Hi I am going up to Newcastle tonight to see Westlife---thanks to all the tips on MSE I managed to save the £35 for the ticket!!Aww it feels good to know it isnt on my credit card----thanks everyone xxx
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Finally going to be debt free!
Morning all, well from being at £30K 5 years ago (currently at £9430) I will finally be debt free in a matter of a few weeks :) Been waiting for inheritence cheque from my Gran's estate (3 years since she passed away - v complicated house sales and so on) and got a call from the solicitor telling me what I am going to…
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BBC article on unlawful bank charges
There's an article on the Beeb this morning about bank charges and how people are starting to claim them back. It runs through why they're unlawful and talks about the bank charges action group that's helping people to claim. It says the numbers claiming are pretty small at the moment, but with coverage like this maybe the…
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Debitas
Ok, recieved a letter today from Debitas Legal Services, saying as I haven't responded to them etc etc. I called them up, the woman asked me to give her my two phone numbers for security. Told her my landline is ex directory & I won't give out phone numbers. She argued saying so she has two numbers & I won't confirm them,…
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More dimmer switch than lightbulb!
Morning, For the first time last night, I went through all of my old statements and worked out how much debt I've been in over the past six years or so. I realised I had a problem with my spending during the Summer 2003 but it wasn't until this year that I decided to 'know' exactly how much debt I have and to pay off as…
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Selling up to be debt free
After much argument, debate and heartache, we have decided to sell our house to clear our debts. We are planning to rent for a year or so and take stock. Has anyone else done this? We do feel it is a last resort, but don't have any other options as we cannot take out a DMP or IVA due to my employment. Any advice would be…
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I'm such a Ninny!
What an idiot! I've just checked my bank account and I've gone over my overdraft limit... By less than £7. The day before pay day:eek: And why you might ask? Because I was too pig headed to admit that we were broke and so when some chums owed me money at the weekend I said "No, it's OK -- transfer the money when you have…
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Quitting smoking
Probably accounts for a large chunk of your monthly spending....smoking...wondered if this would help? There's a popular book out there for quitting smoking that has probably been mentioned already but I thought I'd mention it anyway. Allen Cars' "Easy Way To Quit Smoking". I've always loathed self help books with a…
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Who's spent what? May 3rd
Morning all, well no alcohol day number 4 for Steve today. Also planning another gym session so hopefully no money today - after yesterdays £194 :rolleyes:
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Four years since last contact with creditors
In 2002 i owed my bank and a high intrest loan company around £7000. i became very deppressed coulldnt cope with it as i was making less than minimum wage and my debt was getting worse. I eventually decided to go abroad to live with a friend without telling anyone that i was going (including friends and creditors). I have…
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DH Is Scuppering Everything
I ploughed through our finances yesterday and worked out that we owe a horrendous £11K (that's including the car loan) and that if we don't start being more careful with our money we are coming very close to the edge. I've already done everything I can to cut outgoings, we're with the cheapest provider of everything. I sat…
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Northern Rock
Hi, I want to propose to NR a reduction in my monthly mortgage because of financial difficulties. How amenable are they and are they helpful. I was thinking of paying 1k instead of £1400 per month and wonder whether they would accept a £400 reduction in mortgage payments. Paul
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BR forms and OR visiting home??
Hi, Does anyone like OR come to the house just like a bailiff would do when going BR? I know that a form has to be filled in....anyone know what the form is called? but does anyone actually come to the house? It would be helpful to see one of these forms before applying for BR... anyone know where I can get one from?…
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First time post - facing my problems
Hello... Finally decided that its time to deal with my debt problem after they have been getting out of control for the last 4 or 5 years following uni. I really wish that I had some sort of excuse for the mess I am in, loads of you appear to have had some contributing factors that got you in the situation. Unfortunately I…
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is debt collection possible via standing order?
Hi Switching income and DDs over to new account at the moment, in preparation for closing NatWest account, as, when the interest charges again rise soon, it'll be too difficult to manage financially. Don't know if this seems a ridiculously obvious question, but I've never dealt with a debt collection company before, and…
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claiming back bank charges etc
I refer to an earlier thread re claiming back excessive charges...and hav read through Martins notes...does this include situations wherby u hav exceeded a overdraft limit and been clobbered? Also, some people hav mentioned credit card companies..and yet Martin doesnt refer to them ..not the consumer action group...i hav…
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I May Not Be On Site for a While....
Got home today and our house had been broken into..... Patio doors totally trashed. Will need new doors & frame. Nearly a thousand pounds worth of DVDs stolen and a few other bits - could have been worse (much worse) but still horrible enough. Tomorrow will be making a list of security things that need doing to try and…
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debt advice online
Does anyone know about the internet site https://www.debtadviceonline.com. If so could you let me know about any info on this site or whether it is a con. If so has anyone got any advice on clearing debt when my credit rating is not brilliant.
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Thought I had got off to a good start!!
In comparison to some people I don't owe a huge amount. Last July I borrowed £9500 (Northern Rock/5 year/5.9%)to buy a new car. I consider it to be manageable debt as I can comfortably make the payments each month - HOWEVER I am very aware of how this may change if my circumstances were to change i.e. redundancy, long term…
