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Easy way out ?
Afternoon.... Im quite new here but have a burning desire to ask a question as there are some strong yet firm opinions on this board.:rolleyes: Ive been reading a few threads and notices a mass of difference of opinion in the Bankrupcy / IVA issues.... Some people seem to think they are the easy way out....A way to get…
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How has your lightbuld moment changed you?
I was thinking today how wasteful I used to be. My lightbulb moment actually came a long time ago, long before I came to this site (still waiting for OHs). My most recent debts weren't developed through overspending as such (maybe a little) mostly through business hard times. But previously I was shocking, I mean I am…
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just wanted to say hi
Hello all I havent been on in ages I dont really have anything fantastic to say just wanted to say still in debt paid a big chunck off added a smaller chunk back on fallen into some of my bad habits kept up some of the good habits will still be 5 years before i am debt free. Keep up the good work everyone. Marieb
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am i missing somthing (mrs dazzanator)
hi my oh has said to come on this site to get help and suport with sorting our money out he also said that it is a place where people can help you save money and give you frendly adivce i have been on here reading through a lot of threads and posts and cant belive how two faced some of you are please dont get me wrong some…
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Money Saving Wih Money off Coupons
Hi - has anyone every noticed - that the more coupons for money off in tesco/asda - the more you spend on items that maybe you could really have done without. Well - I for one have noticed this and so for the past 4 weeks have been putting into a jar all the money that I have saved using coupons on my shopping - which by…
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Debt Collection Firms
was wondering if anyone has had dealings with HFO Services or Phoenix ? If so what are they like? Thanks
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Snowballing Link
Good Afternoon All, Can someone please give me the link for snowballing please? Ta! Elz x
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What does your usernae mean?
just a little lighthearted morning thread, not dfw, but hey! it's just that i love wuckfit's username (makes me laugh everytime - no need for an explanation on that one!) and was just wondering how other people chose their username mine's boring, it's just a combination of names, mine and others anybody else?
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barclaycard debt advice
I have been trying to get reduced payments with barclaycard on a debt of over £3000. I have sent them twice now my list of creditors and what i pay per month etc .. the first time they just ignored it. the second time they said the amount i had left to give them was not enough. it was less than a tenner but thats all i had…
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Need to move my loan
Hi all, I have a Career Development Loan from the Co-Op that I have to start paying off three months after I graduate, which means payments start in October. I took it out as the payments were deferred, and I haven't worked during the last two years of my course due to attendance requirements. The problem is once I qualify…
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85 K in debt ; what to do
Hi my OH and I are 96 K in debt without mortgage. Monthly income is 2360 ( I am currently unemployed as contract just finished. I will work as soon as I can, however as we stand we are up to date with all payments but this will not continue after next month. Is there anything we can do. On your forum it looks like a IVA…
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Lloyds want us to charge over interest in our property- advice needed!
Hi, My husband received a letter today form Lloyds solicitors saying they have rejected his offer as stated in the variation order to the court. The latter goes on to say Lloyds will accept £250.00 if he grants the bank a voluntary charge over our property. Can someone explain to me what this is? Can they take our house?…
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Is it good to talk talk
Hi folks I was just wondering if anyone had had this new talk talk broad band thingy installed yet? Is it any good - are they all they are cracked up to be? I'm off work next week and I'm thinking of switching from ntl to talk talk. ( i pay as much for ntl phone as the phone and braodband is with talk talk) Unless of…
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A silly beggars diary - on the BBC website
There are a large number of people on this forum who are trying to get themselves out of debt. The BBC have let a woman start a diary of her "debtproblems" on the BBC website. This woman seems not to take her responsibilities seriously, and is also the owner of two BTL's Hardly the average person suffering with a debt…
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Can they send me to prison !
one phone co for a debt of £6.99 (ONETEL), threatened to send me to prison if I did not pay and they took me to court and I still refused to pay ! This is a debt from an old address on an account that was canx over a year ago..i asked where the charge came from, they just sent a statement shount a balance of £6.99.... I…
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Terrible arrears but want to know if I can claim back my charges
Hi there, I am in terrible arrears and an awful mess with my finances... am currently in the process of arranging a DMPat the moment, however I have had an idea..... Would it be worth writing to each and every creditor asking them to refund all of their fees over the last 6 years.. I know that this would add up to a large…
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Why credit check for current account?
I've just tried to open the regular saver account with Alliance and Leicester because it offers 10% etc.. I phoned up and was told a credit check would be done but it wasn't explained "just what we do". I have a poor rating due to an IVA which is now clear and now I'm wanting to make some decent savings as I need to get a…
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what have you spent today? 16.6.06
morning all! im off to tescos again this morning to pick up the few bits i need to see me through to monday! will update later!
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Good Morning - My update
I am sure that the people who got angry / cross with my a few months ago will be really pleased with my progress. I know I am. My credit cards are all cleared. I have yet to cancel them. All my direct debits for this month (until 25th) have left my account and my account balance is £24.33 (I brought some toothbrush heads…
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Bailiffs - help
Hi, This isn't strictly relating to one of my debts, but I'm hoping someone can help. I received a notice through my door from bailiffs this morning saying that I owed £623. Called the bailiff and was told that it relates to a request for information from the courts relating to a driving issue. I have received nothing from…
