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Economics of Debt
Hi, I posted a thread asking for comments about my bankruptcy experience and the thread soon turned into a dicussion regarding the levels of debt in the UK and the impact changes in economic conditions will have on debt. I thought it would be interesting to hear what your views are on the subject. Factors to consider are…
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Feeling pleased!! need to celebrate without spending money!!
Hi all, i posted at beginning of month feeling quite desperate. It was clear my spending was very silly inc over £800 in supermarkets. I had lots of positive responses and some offers for help - we have been away for 2 weeks so will be replying to ask for help over this week! I am pleased to say that reduced shopping from…
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Ok what to pay off?
Have been approved for a social fund budgeting loan of £1015-interest free but payments are pretty high at £9.76 a week-this will come straight out of my income support so won't miss it much.The question is what card to pay off with it?I want to concentrate on the smaller ones rather than the bigger ones so I can snowball…
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Arrgghhhh!!!!!
Sorry guys I really need to vent!!!! :eek: I'm just off the phone to my sister (I love her dearly) but she has just announced how skint she is. This week they're having a conservatory put up (5K) and in September they are all off to Australia (family of 4 for 4 weeks £7K) They live in a big plush house with 2 BMW's in the…
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Byron & Keeley debt management
Has anyone else come across this d/m company? My sis-in-law has recently applied and been accepted by them for various debts amounting to approx. £13,500. She has a limited income, but is paying them 15% (at £300 p.m) to clear her existing debts. Please tell me if we're on the right track, or whether we should try to opt…
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Ex- Credit Analyst - Throw your Credit & Underwriting Q's at me.
This site has been a life support for me and OH. I want to give something back. I have years and years of experience in the banking industry, Mostly CC's. I have been a Senior Underwriter and have many qualifications in the game. I have also experience in severe financial difficulty, Self employment, Pubs !! and most…
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Is it me or is NO the hardest word?
i had budgeted for this month and because my salary is reflected in my petrol consumption(company car thing) i have about 100 less this month after alot of personal milage from the previous month which meant that whilst i maintained my debt repayments of £250 and rent and going to See Norwich 3 times this month (season…
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Bank Charges
Sorry if this is in the wrong area.. but i want to be debt free. Now, i want to reclaim excessive Credit Card and Bank charges that i've been charged over the years. My question is- how far back can i claim? I've found some useful templates of letters on the internet.. and the credit card one seems to suggest that (this is…
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More Job interviews!
Hello all, I have begun reading your forum over the last few weeks. I'm trying to get some debt cleared from being unpaid for 18 months while finishing my PhD and living off overdrafts and credit cards to do so. The debt was about £4000 at the most and now stands about about £1100 all on interest free thanks to this site!…
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Hi! Joined to ask a question about my credit report.
Hi! I have used this site often in the past and it has been quite useful. I have joined the forums to ask a question which I am hoping someone may be able to help me out on! Right! Where do I start! I am 18. I turned 18 this April (April 2006). In December 2005 (I was 17), I went on to https://www.next.co.uk to order my…
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What Have You Spent Today? 24/08/06
Couldn't see a thread for this today.... Nooooooooooothing :D 2nd day in a row :j
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Experian/Equifax
My OH needs to get some details about his bankruptcy and we have been advised to look at his credit files. Can someone tell me which one offers the free 30 day trial and how much do the other one charge?
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Grrrrrrrr At Hubby!
husband has a credit card bill of about £1400 due to a trip to the World cup.I got him a nice 0 % deal with capital one and stressed to him that he MUST NOT put any purchases on it, as he'd get interest on them....I even put the card away so he wouldn't use it...so what does he do? Couldn't find his wallet the other day…
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Max recovery
Does anyone know how they usually vote in an IVA f&f settlement?
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can I get rid of my van?
I have a van on credit through GMAC. It is over 4 years from May 2005. I asked about sending it back but GMAC say I need to have paid half the payments before I can hand it back, otherwise pay up the difference (now it would be 8 months x £255.93!!!) Does anyone know a way around this? Am I allowed to sell the van to pay…
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Miffi's back and this time she's gonna do it properly!
Hey guys Some of you may vaguely remember me as I was a regular(ish) poster a while ago and then dissappeared. I found it really hard to keep up with being good with my money, but I did find that coming on to this site helped. But I really let it slip in the run up to my wedding, I couldn't concentrate on saving/spending…
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Near Asda or Far Aldi
I have just done an internet search and have discovered that there is an Aldi 2.29 miles away from this house. It has recently opened. Knowing the route and the traffic in that area, it will take about 20 mins to drive there. However, we have an Asda along the road which is less than 5 mins in the car. Therefore my…
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My good news
I've barely posted on here before, but I check the boards pretty much every day, and I've taken so much useful advice from here. Six months ago, I was in a real mess, continually going over my overdraft, making late payments or skipping payments on my credit cards, and my credit report was abysmal. I got turned down for…
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Bad day to Good Day
Well had a rubbish day. 1) Cheque I was given to for work last week bounced (£65) 2) Car was going to cost £74 now going to cost £114 as I had to have airconditioning pipes out to replace a headlamp and they had to replace some of them due to corrosion and knackered seals. 3) Customer cancelled appointment for toinight as…
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Most bizarre conversation
Im now pretty well sorted wit paying my creditors , thanks to all the advise on this board. I was thinking this morning about the most bizarre conversations in sorting this out. The Winner must be GE Finance and the "Its not our fault we told you wrong account details" conversation during which I spent over 1 hour on the…
