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Disaster!
Just need a moan as things just keep getting worse and worse. We have managed to clear quite a lot of debt, still have a way to go but felt we were on the right track. Was delighted when DH(who many of you will know has had serious health problems.) got a teaching job which was fantastic. They would only give him the job…
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Advice on F&F settlements
I have just been started negotiations and offered all of my creditors 10% of the debts left outstanding in full and final settlement. I have been paying them thru a DMP for 3.5 years and have some spare cash thanks to remortgage hence the offers. I have included in each letter a forecast of how long it will take if I…
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Any advice on debt management schemes?
Hi everyone Posted for the first time here this morning and everyone is so helpful, it's a but overwhelming all of this, huh? Ok, spent some more time on the CCCS site and was just wondering if anyone had any luck with going into some kind of debt management scheme? It would be interesting to hear stories of whether or not…
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Reading newspapers and magazines online
I spend a small fortune buying papers and magazines to read. The magazines are mostly of the women's glossy kind or health and fitness related. Can any kind person offer some URLs for interesting magazines/newspapers? I have tried googling for sites but usually the sites have little or no content to read. Thank You :beer:
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Dimmer switched light bulb moment
I've posted here before, but i just dont seem to want to save as much as possible. I currently have just under £20k in a range of debt. Earn good money, but have a mortagage to pay etc. I think instead of having my lightbulb moment, i have a dimmer switch. Sometimes i think SAVE SAVE SAVE, others i think, this is silly, i…
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Help for not spending at Christmas time!!!
i know it sounds a bit corny but im doing it & its fun!! I have a huge family, full of Uncles and Aunts, and we all tend to buy a little something for each other!! So..... all this year, i've been collecting Jam Jars and Sauce bottles and putting them under the sink - i have TONS now!!! Anyway, i've got a few bottles of…
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Littlestar1981's Debt Diary and help really needed
I've been addicted to MSE for a month now, jumping on the bandwagon with regards to challenges about eBay and things, but this week I seem to have been gradually sinking deeper so thought if I could post an SOA maybe you guys could help me out?? I live at home with my parents, which is great as I pay minimal 'rent' and…
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A little lurker update...
Just another one of my thank you e-mails for all the help you provide to those of us who don't post very often... Since joining in order to get my nearly £3k debt under control and curb my ridiculous spending I have taken on board all your tips (I would not dream of buying anything that hadn't been price checked against…
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Bargain Buy Of The Week Thread!!!
hi guys, thought it would be a good idea to start a "bargain of the weeek thread", where we can tell each other about great buys weve managed to get our hands on in our normal weekly shop, and which store we got it from so that we can all be in on the bargain! ill start by saying: i got a MASSIVE box of morrisons cheapo…
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In the Greens DFW diary
I thought I would follow the trend and start up a diary, if nothing else it will be something to look back on to remind me where I came from. I can't believe how life has changed since the start of the month. I had an awful day when I had to ring my mother and tell her how much debt I was in. I have never heard her sound…
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loan overpayments ?
Hey peeps Anyone had any dealings with Lloyds Tsb loans. and if you can make overpayments at all on them?. Im down to my last few debts and realy wanna pay them off as fast as i can and the only other option If i cannot make overpayments with lloyds is to take out a loan with someone else so i can make overpayments Any…
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Credit Card We Can't Pay Off - HELP!!!
Hi All, My husband has a credit card account but destroyed the card 5 years ago in the bank (the account has never been used since then). We were having financial difficulties (still are) and have been paying back the £1,500 balance since then, making the minimum payment as we can't afford to pay more. The bank had agreed…
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I want to get clean
I'm finally on an even track when it comes to my debt compared to some my debt is nothing and I know I can pay it off if I stick to my plan. But what I want help on is getting my credit record clean we want to move house in a few years once the debt is all paid off but right now. My credit rating is awful. OH is ok but not…
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Advice Needed!!!!! Too much going out each month!
right - this will rather a long post but I would like to say first to desperate dad - good on you for admitting where you are!!!!! I'm 28 and I'm at the stage where I have been completely and utterly useless and have managed to rack up £27k on credit/store cards. In addition I owe my parents £32,500 and I have a mortgage…
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not in debt yet. dont want to be.
hi, as i type this my OH is moving into his new house me and the kids are staying put here. iam a full time student and work part time. iam very scared that as i only earn £402pm and will then be able to get wftc and cb and £300 support from OH we will end up living on credit untill wftc comes through. any advise to avoid…
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Anyone completed a DMP ....
We know we have a long long way to go before our Debt Free Day but I was wondering if anyone has actually been on a DMP for X number of years until there debt was £0.00 :confused: Thanks
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Bankruptcy/IVA & a liqour licence
Can you hold one if you have an IVA or have gone down the bankruptcy route??? Just came up in a conversation and cannot find the answer. Thanks Starkiller
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Just not earning enough
There have been threads before on how people get into debt.My wife and I wondered if at times at is about folks who are in work but not earning enough.With ever rising utility and fuel costs,interest rates and of course the annual round of council tax increases surely it may well come to the point when this happens.
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Equifax Information
Hello folks, I deiced to sign up for the free trial per Martins article, I was more curious rather than anything else. The vast majority of it seems fine but theres a few things i'd like to check with you guys. One one of the Credit Agreement listings it shows a full years worth of Grey U's in 2005 then resuming to green…
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Question about bankruptsy
Will your pension be classed as an asset and taken away if you are declared bankrupt?:confused:
