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Upset and in debt
Hi Guys It's my first post on here hope I am doing in right??!! Anyway this is my position right now. I have approx £8000 of debt but not sure who I owe and how much as I have hidden from it for a while now. Starting to feel so very nervous about this and to make matters worse I have been on sick since the end of e mail…
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Anyone heard of Clear Start?
Hi there, Has anyone heard of this company? My OHs mother wants to do an IVA. Both CCCS and Payplan have said that she can only do a Debt Management Plan not an IVA. I am concerned as she is now going with company who say she can do an IVA. https://www.clearstart.org Why would the others have said she can't? And are Clear…
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Sunday night Buffet at fat Mikes place
Howdy all, I havent hosted an eveining this weekend. I have been so so lazy, eaten everything in sight and feel massive tonight, We are gonna finish the weekend with a light buffet and ive a bottle of vodka left that needs drinking. Going on a health fad tomorrow, (simply means NO BEER!) I need to loose a stone in 3…
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Newbie : Debt details. Please help
Hello i have posted on the creditcard forum. They advised me to post my details here. I may be out of a job within the next few days. Will know for sure by tuesday. I am thinking of phoning/writing to creditcard companies informing them of this in the hope they will freeze or lower payments but ofcourse i dont want…
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Credit card interest
Paid my monthly balance as usual but didn't take into account of the weekend and my payment went through a day late! My mistake when checking the calendar! Hoping the interest will be credited back when i have a chat with them tomorrow! First time in over 4years i've made that mistake...muppetry eh!
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Help
Okay, probably not the right place to post this but when I posted here before (May 2006) I got such helpful replies I thought I would ask your advice again. Basically when I posted before I said myself and OH were having trouble just with everyday living and expenses as neither of us earned much and I was very depressed…
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Bbc Bailiffs Whisleblower
The BBC Exposed the violent and corrupt world of bailiffs. Whisleblower is on BBC1 Tuesday at 9 pm. here's a link which explains some more. http://www.mailonsunday.co.uk/pages/live/articles/news/news.html?in_article_id=406669&in_page_id=1770
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Have to save up to go bankrupt?!!
I am going to have to declare myself bankrupt. Unfortunately due to ill health I had to leave my £21k a year job and have now got a job earning £11k instead! As such I cannot afford to pay all my debts back. I tried doing an IVA, but it didn't work and I ended up not paying for a few months. They have now sent me a letter…
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Debt Simulation/game
Does anyone know of any online games where you can simulate a debt and manage it to try and clear it?
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REAL lightbulb moment
OK, I had a mini lightbulb moment last month, but a tragic event has really hammered it home. My father in law died suddenly last weekend and we have uncovered several debts and red bills - he has not even left enough money to pay for his funeral, and was a compulsive gambler. The stress sorting all this out has placed on…
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How much have you spend today Sun 24/9, weekly challenge update & new challenge!
Good afternoon fellow DFWs :hello: Beautiful day down here and I think I’ve been up for 4 hours now :eek: Been doing all sorts of housework and discovering lots of little bits that can go on ebay :j I thought I had run out after adopting the minimalist look around :p here when I first became a DFW but it’s amazing what a…
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Getting out of debt
Hi, I've recently come in to some money (£25k) and would like to put this towards clearing some of our debt. I currently have numerous credit cards, one loan and a mortgage. Nationwide £13k @ AMEX £6k @ 14.4% AMEX Red £1k @ 12.24% Debenhams £4k @ 29.9% My husband has John Lewis 10k @ 14.53 Capital One £5k We also pay £340…
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Free credit report???
Does anyone knwo where I can get a free credit report? I've already used my free Experian one unfortunately. Thanks
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Thanks Everyone :)
After my morbidly miserable post the other day I was over whelmed with the response ... there was a lot of love in the room that day!!! :D anyway, as people will be able to see from my sig ( if I have done it right that is) ... I have now joined both quidco and pigs back ... still not sure if I have got the hang of the…
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Goals for w/b 24 September 2006
Hello everyone, I've not posted on the goals thread for a while - but hopefully starting this will keep me motivated for the forthcoming week... Here is the goals thread from last week to check out how you've done:- http://forums.moneysavingexpert.com/showthread.html?t=265541. My goals for THIS week:- *Have an extremely…
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Question bout an old debt.
Hi About 4/5 years ago I got a loan via 'Virgin' whose associate was MBNA, at the time I was living at a differant address I am now. when I moved I informed everyone of the change of address,I have moved a total of 3 times since then and thought it strange how this company failed to contact me the 1st time I moved, either…
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any advice welcome
Hi Folks, just a bit of advice would be great. I was really in a bad way debt wise (£20k ish) and also bad at remembering to make regular payments to cards etc - had my wake up moment a few months back - but today checked my credit file on credit expert It rates me as very poor and a score of 520 What is my best way of…
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Just found out my friend has £12,000 on credit cards
I've just found out that my mate has managed to get himself into £12,000 worth of debt. He has been out of work for around 7 months now, not through his own lack of trying at all, and this has partly contributed to his situation today, which up until now has been perpetual cycle of living off credit cards, and using one…
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Creditor & DCA Reclaim Query
Hello. I am starting my first claim against one of my creditors to reclaim all the illegal and unfair charges actioned against my account. I have chosen quite a small fish in the scheme of things as I do not owe them much money. It also gives me a practice run so I am ready to take on the bigger fish :) The target company…
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**** need advise, pretty please***
Hey there, Tried to get a buddy from the list but no reply, can anyone tell me what to do next? I've followed the instuctions on the website to the letter and managed to get Hallifax to offer me £300 (even though it's nearly £900 they owe me in overdarft charges) I know it says on this website to refuse the offer & hold…
