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Where do I begin?
I have been reading your advice to everyone and hope that you can help me too. I think it is about time I faced up to my debts - which I have been ignoring and am now struggling with. Have a debt company on my back as I can't pay my credit card - limit £3900 - actual balance £4500 including charges. Living in London is…
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Can Anything be done?
I'm a bit nervous on posting this one, so please be gentle with me... I just read on another thread about a similar situation and got me wondering.. A couple of years back the OH had to give up work on health grounds, we got into a lot of difficulty which later was sorted out with the help of the CAB, we will be paying off…
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What are my options?
Hello, Have been lurking for a while but thought I'd bite the bullet and go for it and introduce myself. I had my "lightbulb moment" about three weeks ago after working out that I am nosediving into pots of money that I shouldn't be touching, like the overdraft on the current account linked to the mortgage, which actually…
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Credit scores-help me!
How confused to i want to be now. I have wanted to get a low interest loan, or at least a new interest free credit card, but i keep getting turned down. so i decided to make use of the 30 day free trial for Experian. I paid £4.99 to get my credit score to see how bad things reeally were, and it turns out i have a very good…
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Woah, is my luck changing?
Proof that being positive about things does really work http://forums.moneysavingexpert.com/showthread.html?t=206985&page=2 Also currently im joint top on the MSE fantasy football thing, although my lame players have blown a ten point lead, just like Newcastle did a few years ago and ive run out of transfers lol Other than…
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Is it worth the redemption penalty?
Hi all I'm hoping there is a financial genius out there that can help me with some figures. I have been considering switching to a One account, but would have to pay a redemption penalty on both the mortgate and the consolidation loan. The current rates of interest are Mortgage 5.04% and Consolidation 6.9% :eek: I would…
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MS_London!!!!
Clear ya inbox girl :D its full up :D
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Some help and advice please.
Hi Im starting to get desperate with my debts and the number of problems that seem to be building up. So if anyone can advise with my following problems Id be very gratefull. (Sorry theres a lot and Im going to waffle) I currently have a debt of approx 35,000 in credit cards loans etc all unsecured. (I say approx as you…
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Facing up to Student Debt - Advice on SLs needed please
Hi, Haven't faced up to fact that I owe thousands of pounds in Student Loans (eek typing that now is kinda scary). Probably doesn't seem that much to many of you and at least it is not a some scary interest rate ( I think- the rate doesn't go up once your are finished being a student does it?). It didn't bother me at all…
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My Lightbulb Moment
After a few months surfing this site I have finally taken my head out of the sand and sort my financial mess that I have got myself into with my reckless spending. I would like a bit of advice from you guys regarding money saving and which debt to tackle first. Please be gentle Monthly Incomings:1429.29 My salary – as…
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DILEMA! Credit Card Payments vs Loan
I have a real dilema at the moment, which was keeping me awake at 3.40 this morning! In fact I have lots of dilemas which I hope will be sorted very soon and I'll be back on here for more advice! But this dilema is that I have lots of credit card debts and currently am only able to afford the minimum repayment on all of…
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Happy Solstice to all pagans...
... even Martin's celebrating! :T
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Need some help please...
Hi I have a range of debts which i really want to sort out, and uptill now I have managed to get by and even pay a little bit off some . But I have just been told by one company they are going to take me to court and make me bankrupt. I really don't know what to do. I owe them about £2,200 and I have offered them £100 per…
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Looking to clear all debts as quick as i can....
This is my situation at the min: £280.00 per week income outgoings : hp car:182.79 per month rent 25.00 per week petrol 30.00 per week vodafone 20.00 per month hire purchase car:7000.00 with settlement figure of 4200.00 (40%apr!!!!!!!!!) nationwide loan:2000.00 (6%) vodafone : 490.00 three mobile 96.00 just looking to…
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Where do I begin?
Morning all. I have lurked on here for ages plucking up the courage to accept that me and my husband are in a financial mess!! We have been married for 3 years and during those years have constantly spent beyond our means. I now want to stop this and get control of our finances but I don't even know where to begin. Some of…
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Will this test help you?
Hello Just stubbled on to this site by the FSA and thought it might be useful on here, it's to help people to realise their in debt and useful tips to get hold of the situation: http://www.fsa.gov.uk/consumer/debt_test/index.html Just thought it would help those who are still in denial about debt.
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Getting nowhere
Hi, Need help!! Got money probs, cant' seem to get on top of them. Got mortgage, loan & budget account. My hubbie earns good money but wotever we do we can't seem to reduce the budget account debt. We borrowed money on loan to pay if off once, don't want to keep doing this as not helpful. Any ideas how to reduce this,
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hurrah
Hubby now owns his car, got the final letter to say they had took the final payment on the 19th. Had to tell someone.
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Third Parties
I’ve read in a couple of posts where people have helped out partners and friends by arranging payment terms and F/F settlements. My question is, how do you go about arranging this. I assume if a bank received a letter / phone call saying, Hi I’d like information on Joe Bloggs financial situation so I can arrange payment,…
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Wanted to say thanks....
....for all of your good advice! I've just come off the phone to CCCS, and lady was very impressed with my budget :cool: Said there was no where else I could cut back - and that my food budget was too low for a family of 5(I had given 350 which I'm hoping to reduce substantially - apparently government guidelines is…
