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Are we all so 'sad'?
Every morning, when I am having my breakfast, I sit at the computer and go through this website. I sometimes get late for work (well, nearly everyday) because I was reading something on this site. Here I am doing the same today and notice that several people have already posted. Are we desperately 'sad' or just simply…
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Dilemma
I will soon be able to pay off two of my three creditors. Of the three (Lloyds, Marbles & A&L) A&L have been awkward uncooperative & rude. The other two have been helpful and allowed me a payment plan. A&L as far as I know are the only ones to have reported me to a credit reference agency. What do I do? Pay off A&L because…
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Are you being screwed by your bank?
Are they doing a number on you? Banks' little-known ranking system keeps tabs on you, says Patrick Collinson Saturday August 19, 2006 The Guardian What does your bank really think of you? Research by Guardian Money has uncovered scoring systems that rank every customer at Lloyds TSB on a scale of one to nine, and at HSBC…
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Need Advice - How do I get out of this house!
Hi - My partner and myself have managed to get ourselves in a sticky situation and need a little advice. We rather stupidly took out a mortgage from Kensingon two and a half years ago - we now understand that if the devil himself did mortgages they would be with Kensington. This mortgage was originally for £38000 and is…
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Its Time I Spoke Up
i have been a member os this site for some months and i feel its time to speak up - i forced my wife to sign a trust deed in december 2004 (scotland only) and it was her lightbulb moment as she broke down in tears over debts totalling £10,000. i have managed to pay back a loan which i took over two years of £7000.00 over…
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Blowing my own trumpet
I've just paid off my MBNA card.:) Only the Amex (2892) Abbey (2000) Egg loan (1850) and MBNA loan (2530) to go.:(
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Second job- any suggestions?
Hiya, I know the topic has been covered before but I guess I'm looking for something a bit more specific. I've been playing with the idea of getting my hands on some extra income to help pay off the debts quicker for a while now, but I'm not sure where to start really. I would go for something like babysitting, but I know…
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Earning from home - My challenge
Hi this is the first new thread I've posted. I'm currently on a months holiday from work as we've just moved house. I'm looking for ways to earn a bit of extra cash that can go towards my debts. I've tried to get some labouring work and that sort of thing but nothing going at the moment. I've decided to see how much I can…
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Saturday night dfw free house party!!!
evening all! since i'm off out tonight and got into trouble for deserting you all i decided to turn my house over to you lot for the evening. only rules are stay away from my shoes, they are precious things and not to be touched... and minnie spender is guest of honour so you must all be super nice to her sicne shes a…
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Please help me im now desperate - and now sacked from my job
I work fulltime through the day starting at 8am and finishing at 4:45 I then go straight on to a cleaning job and I dont usually get home till 8 in the evening. Which means I dont get to see my 4 year old daughter. My husband is unemployed but looking for a job. Im in alot of debt jointly with my husband and also have to…
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if my iva gets rejected what are my options
hiya everyone got my creditors meeting tues at 11 and it isn't looking that clever......what i have now been told and didn't realise at the time is that i cannot submit another proposal withina year. what options are now open to me to reach an agreement with my creditiors?
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I'm going to open my own DCA
It will be called the Debt Cancelling Agency. Every time you get a letter from a real DC it will be automatically sent to you. The advice is as follows; 1. This debt is uncollectable. If it was then your bank would already have collected it. Send a request for the CCA. 2. What they threaten is inversely proportional to…
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Harrasment from credir card company
Hi all, Is anyone else suppered or suffering this? Suffise to say that I am in the pooh with debts, which I will explain another time, but I have after reading these pages contacted CCCS and have an appointment mid Sept with them One of my debts is with a dcertain Credit card company (I take it no names?) following advice…
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How to check if car brought has finance os
Hi guys, Some of you will know my oh car was stolen, I'm trying to find out if the car was on finance previously and perhaps they have repossed it. OH told me he did check but i would like to check again. It has been reported stolen, would the police know if it was subject to finance? Sorry to keep on its doing my head in…
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help me! debts been sold 2 another company
please can someone advise me? i have een married 4 nearly 2 years an I know my hubby had had debt prolems b we got 2gethr.yesteray 2 letters cameout othe blue saying that 2 old debts(5 yrs old)have ben sold to a debt colection agency nd they are asking 4 payment.I have no idea how he was found as there is nothing to…
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Debt Collection Letter: Should I Ignore?
Picked up some post from my previous address which I left 7 months ago. One single letter stating that the company is trying to find (prints full name including middle) I had no debt at this address and lived there 18 months. I did have unsecured lending at my address previous to that which has not been paid. The letter…
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Debt free date Dec 2008
I've done it! Mnaged to use microsoft money today. I have tried brfore but could never get past the 'setting up accounts' bit. I skipped that today to do a budget planner so i can keep track of what we are spending. I have been using a cash book and it's been getting really confusing:mad: I entered all my outgoings and my…
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Can they do this
Halifax have today taken some money from a current account £400 to pay some arrears that I have on two of their credit cards. Have they acted correctly because although I am 2 mths in arrears I have been in communication from the start and have answered all phone calls. I think they are acting irresponsibly and that just…
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Awful morning - 'Head' and 'Brick wall' situation
Argh! I've recently opened my new basic account with A&L as advised as I owe a lot to Halifax (Loan and 2 credit cards). So I got up early this morning, went to transfer my mortgage money accross to a different account and then take all my money from the Halifax account as I was paid yesterday. However, as I haven't paid…
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It's going to be an expensive week!
My little nephew was born this morning! I'm so delighted, he is a long awaited bit of joy in our family. The last few years has seen a lot of deaths including the 2 most amazing women (our mum and our nan, both on the same day, 4 years apart). So, It means a trip to see my brother and his wife, a gift and some flowers for…
