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Beaded Lady - Escaping Debt *Update*
Hi all, Just to keep you informed of developments,* I have now cancelled with my Debt Management Company, and am still waiting for my creditors to reply to me with settlement fees. * Applied for a new bank account with Lloyds, ahead of applying for a credit card. Still a little stress but can see a small light at the end…
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Reclaiming Monarchy Charges
News just in... The monarchy costs each of us 62p per year. How do I go about reclaiming this charge? :D
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Can I keep my house if i go bankrupt
Hello, me again... Sorry to post another thread, :o but there are big issues and the more advice I get from you all the more im settled in the decisions im taking. Position is, a hell of a lot of debt, creditors taking me to court etcetc... ina DMP at the mo with 1000:o years to clear the debts. Employed, Mortgage is 80k,…
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Debt Collectors guidance
I don't know how the moderators would feel, but perhaps a sticky referencing the steps to take with Debt Collection agencies (letter templates) etc might be useful on here? I know there are several users on here who try and help out with letter info for users and answer questions? An example of why you should is here. Some…
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Wahay!
My overdraft is now sub £500 for the first time since last year, thank goodness for quidco and ebay! I'm aiming for sub £400 by next payday now.... Don't think i'll be able to pay too much off the credit card this month, but it will all be gone by the end of the year, and that feels so good, I've had 2 years of being in…
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Bleakhouse's SOA.......
As suggested here is the whole sorry affair.....:confused: Monthly Incomings: My salary approx £3,500 - £4,500 Benefits - £120 (family allowance) Total – approx £3,620 - £4,620 Monthly Outgoings: Mortgage/Rent - £1090 Council Tax - £134 Gas - £50 Electric - £65 TV License - £10.99 Sky £45.99 Phone - £50.00 Food - £300 Car…
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Changing suppliers etc
I am looking into changing everyone we deal with to save the pennies(gas, eletric, phone, car insurance etc) but do i have to have been with them a certain amount of time before switching? do you need to wait till your yearly renewal? are mortgage insurance policies taken out at the same time always able to be swopped or…
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Am I going insane?
Debt, is a worry. As I am sure it is for everyone. But for me, the worry is starting to get out of control. My situation is as my signature of the bottom of this post. I've never missed a payment on anything or even struggled to make the repayments so merely decided that I wanted to pay everything off a bit quicker so I…
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Quick! Mystery shopping jobs for London
Retail eyes just listed a whole lot of pub jobs for London next week Mon-Thurs night (not sure about other parts of the country. Get in quick, if you use Retail Eyes you should nkow how quickly they go!
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OT : Who's Daughter Is Off To Oz Soon?
Sorry to post randomly like this, but I have just got to return the PM of someone on this board to find I stupidly deleted it & I cant for the life of me remember the name of the person!! Basically your daughter is going travelling with a friend to Australia (Melbourne I think) and I said I would give you my email address…
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Bank account for bad credit?
I have found many sites saying they can arrange a bank account with a highstreet bank who will cater for bad credit Instead of paying £5 for this info, does anyone know who this bank would be? I ave a lloyds account but after 5 years of being charged to !!!!!!y and possibility of my account closing when i request for the…
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question about my barclaycard debt-HELP!
Hi- i am still planning on posting my s.o.a- will be v soon, but in the meantime... I was wondering if anyone knew the minimum i should be paying per month on my barclaycard. It is now with a debt collection agency The total amount i owe barclaycard is £998 and the credit limit was £800. i sent them a financial statement…
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Good idea?
Do people find writing their debt free diaries helpful. Is it best to just write one yourself or is it best to post it? What do you all think. I have fallen off the money-saving wagon massively this last couple of weeks. I looked at my bank account on line today and was horrified to see how many switch transaction I had…
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Yay! Have just paid off biggest debt!
Boy did it hurt handing over the money... but now that's my car paid off and only one credit card left! Not long to go now!! As much as it was painful seeing the hard-earned money vanish from my bank account, it certainly feels good to have that debt gone!
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barclaycard charges !!!
hi gone onto a dm doing it myself.Barclaycard have been a pain they would not accept payment etc . finally got them to accept 57 per month on a £3,500 balance they will not stop interest but reduced it . I have had a letter to confirm this but I opened my bill last month to find £40 interest £20 late payment It was paid 2…
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who knows you are in debt?
My parents know and a couple of our close friends know - strictly on a need to know basis!! LOL My OH seems to have a habit tho of telling people (i.e. people we havent seen for years! which i find embarrassing!) "oh well business collapsed and we have a lot of debt to show for it but thats life" - AHHHHHHHH why do they…
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Paying off mortgage for a repossessed house
Hi all Just found this site after being referred by a friend, and wonder if someone out there can help me? Basically it's a query about getting an old mortgage paid off after the house was repossessed quite a few years ago. Here's the story: My parents had some money problems about 18 years ago. Their financial advisor got…
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At breaking point....
I do not actually know where to start; £11.000 overdraft credit card debt of approx £50.000 Store card £1500 Tax bill £17000 Self employed, income halfed in last 12 months.....what can i do? Seek IVA or remortgage (already got one of £145000) Everything has snowballed...
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HELP - we're running out of options!
I'm hoping that someone can point us in the right direction. I'm trying to help out my little brother (23) who has managed to get himself into £21k of debt - through 4 loans and a £5k credit card. Most of the loans were taken out in the last 6-12 months, with either Black Horse or Halifax. The problem now is that he's got…
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Worries
Hi All, Just joined the DFW forum after reading through Moozies messages and being inspired. Sorry if this is stating the bl**ding obvious, but does anyone have any tips to get out of the habit of worrying from the minute they wake up. It almost seems like my subconcious says "Hello, he's awake. Time to start worrying…
