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repossesion
my OH mum has given me permission to ask this question as she does not have access to the internet, about a year and a half ago her house was repossesed (she took over a pub and trusted her son (not my oh!) to live in the house and pay bills etc-which he did not!) she could not afford all the missed bills on top of all the…
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bankruptcy at 27 years of age
I am 27 years old, £23,0000 in debt and in a position where I am wanting to be able to start up my own business. I am considering going bankrupt to alleviate an increasing or unmoving debt. This would allow me to break a cycle unfulfilling administration jobs that have no relevance to my training, and will subsequently…
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There can be light at the end of the tunnel
Just to say that I was being chased by a bank for £13000. I had being paying it off at £400 per month but they kept adding charges and interest - the result being that the debt was hardly going down. Then I decided I had enough of this. Phoned the bank's Debt collection dept - asked for the interest to be frozen - they…
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23+skint!!!
hi i just celebrated my 23rd birthday last month and im in serious debt!!! all i do is worry or cry!! its eating me up!!! the last two weeks have been the worst!! ive managed to keep it a secret from my mum and dad and long term bf for years but yesterday it got so bad that i told my bf, who in turn made me tell my…
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Just need a quick answer to my query if anyone has a minute
I have just upgraded my halifax current account from a solo card account to a fully fledged switch card account which I have tried to do before and they have refused and said I must keep my account in better order. As I have done for the last year the upgrade has been allowed. During the process of doing this they also…
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How do you cope with 5 week months ?
:confused: How do you cope with 5 week months. I get paid on the 28th of each month and I was organising myself quite nicely with money. I shop at Tesco every week and spend my budget of £50 a week for shopping (runs and hides from the 'Old Stylers' ;) ). I pay for this with my credit card, then immediately pay the £200…
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Goals for week commencing 17 September
It's Sunday morning - which means it's goals time again. If you posted a to-do list last week, let's hear how well you've done (click here for last week's thread). And if this is your first time, it's pretty simple. Post a list of the things you aim to do in the next seven days - having a public record of it might help you…
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How much have/will you spend today Sunday 17/9 & weekly challenge!
Good morning guys and gals I can't believe I am up at this strange (for me) hour this Sunday! :eek: Mind was doing overtime during the night, felt like a little calculator to be honest so I gave up sleeping for the peace and quiteness of this forum and my OHs snoring in the background :rolleyes: So, today....I am going for…
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to maria or not to maria... xmas question?
long story short, my mum loves the sound of music and has always said 'if its ever in the theatre and i am debt free i want to go'... now she has watched the maria show since day one and i asked her if she would like to see it, her answer 'if my girl got through yes, i dont like the others', yes and you guessed it 'her…
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Making an offer to a collection agency
Hi all First post for me... and a bit of a long one, sorry! Cutting a very long story as short as possible... I hit a problem 7 years ago. I started a business and it all went wrong, I went months without pay and lost money in the business and my personal debts mounted up. No money was coming in and the credit cards and…
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Who turned the lights on?
... Because this lightbulb is REALLY bright!! Hiya all... Please be gentle with the newbie (You can be brutal and honest with the advice though!) I'm not sure where to start really... Other than to say i've been spending more than i'm earning! I'll sort out a SOA in the next couple of days for you all to look at for me...…
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Moorcroft, Orange & Charges
Hey All. Is it possible to claim unfair charges back from a mobile phone operator? In this case orange. Long story short, I failed to keep up repayments due to my financial situation on my Orange phone bill over 12 months ago. I am currently on a self managed DMP and I have been paying Moorcroft Debt Recovery ever since…
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Creditors/DCA - No Response
Hey All. I have been on a self managed DMP with my creditors for over 6 months now. I deal with my creditors by letter only and refuse to provide my telephone number, which means usually I am not bothered by the various phone calls etc. Most of my creditors are playing ball and are quite understanding and we have a good…
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DMP, what happens.....
sorry me again, im just wondering most of my debt is with my bank, but i have to include my catalogs and credit cards even though i dont owe that much on them, what happens if one or two of the smaller companys say no? Also i let my friend order something from NEXt the other day, its not going to look good is it??
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How do you get someone elses head out of the sand
Well I had my lightbulb moment all of 2minutes ok (OK Friday afternoon, but close enough), which means realistically I will be debt free within two years! However, my OH has lots of debts and if he looked at them closely could probably do the same. But everytime I mention it I get a "good for you" reply. We have a mortgage…
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Credit Report help please!
thanks to my discovery of this site, I have finally got hold of my credit report and it's not as horrendous as I thought! :) I do have two questions: a) How do you get settled items removed? I have about 15 of these b) I have two accounts settled (1 in 2001 and the other in 2004) showing credit. The 2001 shows a balance of…
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discharged
just to say i've been discharged from my bankruptcy after 6 months and 3 days..
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Saturday Night DFW Party - invite!
:A :A :A Once again, you are cordially invited to a Saturday Night DFW Party at MinnieSpender's. Dress to Impress RSVP :A :A :A
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no CCA, no debt
I recently requested a cca from eggs debt collector and quick as a flash they've said that they are no longer dealing with it. I am now going to repeat the request with EGG themselves. The question is, if egg fail to provide within 12days is the debt null and void?
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owning up ..help
I have finally plucked up the courage to post. I really really need help/ advice. I have four young children ages 5 to 10. Work full time and so does OH and I am going under with the stress of debt. I feel upset all the time and angry for getting into this position. I dont know which way to turn. After reading other posts…
