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good news but bad news. bit of a ramble, sorry.
the good news is that my hubby has got another job, he just wants out of his current job and in 4 weeks' time he will be. the not so good news is that we will be £200 a month down, although the new job has paid overtime (at the min. he does around 7 hours a week unpaid, as managers are salaried). we dont really want to…
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How did you get so into debt??
Hi, I'm just wondering before your lightbulb moment, how you get into debt?? For me it was spending whilst I was a student. I ran up 3k on the credit card and 2k on the overdraft. I'm sure I could of kept these down if I had a part time job during my studies. But in the end I got a 2:1 so probably wouldn't have got that if…
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Help! DMP Payment taken out today!
Oh my goodness, I have had such a shock! CCCs has taken out my DMP payument TODAY instaed of Monday! I didn't think they could take a DD out BEFORE the date, always the day after if it fall on a weekend? Not put all my money into the account and I've gone OD (even though I don't have an OD?!) Anyone else? Bunny
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How does an IVA affect house equity
My wife has made enquiries with a debt management company regarding dealing with our, but mostly my substantial debt (they were a private company not one recommended on here). She was advised that if I went down the IVA route that the equity we have in our house would not count as an asset for which the credit card…
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Lloyds loan - Payment Protection - How to remove?
Hi My OH has a loan with lloyds (still outstanding around 4.5K). This loan includes payment protection. We want to remove payment protection since the conditions cannot apply anymore for change of work condition etc... We called today to cancel the payment protection and Lloyds did state that OH needs to refinance - only…
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Got my 1st babysitting agency job on Saturday!
When I first joined this community (mid August 2006) I was trying desperately to pluck up the courage to tell my parents about my debt, (and the Trust Deed I had signed) as well as trying to feel better about myself. With the support of people here I told my parents and do feel a hell of a lot better for not having to hide…
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if we achieve debt freeness whats next?
I want to be mortgage free eventually. I Watch all these programmes and I think If I can pay my £25k:eek: Debt off in 4 years I can have my £27 mortgage paid off in similar fashion??? Has anyone thought of this? Would this be the ultimate Debt Free wannabee????? Opinions please! :money: :money: :money: :money: :money:…
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Help re wording of letters and signed credit agreement issues
Hi all i have a bit of a problem and need some help. My computer crashed entailing me having to re-install windows etc. Consequently i have lost all of my letter templates. i now this has been posted on here many times but does anyone have a template of a letter asking for copies of signed credit agreements in accordance…
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This is probably a stupid question
Is it possible to transfer an overdraft debt to a credit card to reduce the amount of interest paid
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DMP and irregular salary
Hi - I'm sorry I haven't contributed much lately, but I have been reading every couple of days or so. (I feel I have to say that to justify asking a question.) Anyway, my question has probably been asked before, but I can't find anything in the search (my inability to pick the right words to search I suspect). I have had a…
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01772 482376
Hiya Does anyone recognise this number. They keep ringing up and then not speaking ( I imagione dialled electroncially i , not just keeping quiet) and when you 1471 & phone back it is permanently engaged. Its beginning to get on my thing. Any ideas anyone. Thank you
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Smiler Monkey? LittleL? The 18k challenge misses you!
Has anyone seen Little L or Smiler monkey? they signed up for the 18k challenge and I haven't seen hide nor hair of them since! Anyone seen them?
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Debt Management Companies ?? HELP
Hi not looking for sympathy here just advice---as financially things are getting really tough for me ( and i am sure for some of you also) i was thinking of contacting a Debt Management Company listing my income and outgoings and working out an affordable monthly payment to send them so they can share it between my credit…
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Im in a hole at the minute...
Currently I have just returned to University again, studying a Part Time Busines and I.T course. I was currently at university before hand and had to leave because of personal reasons. Its because of this reason I am not getting my tuition fees paid for me :( I am however supposedly receiving a "maintenance loan" the…
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Second Month Without Using Credit Card
Just wanted to say this is my second month without using a credit card and it fees great!!!! And I have saved £100 of my wages towards repaying debt fior the first time ever and it feels good!! Hoooorrrrraaaayyyyy!!!:beer: :j
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Helping the community & becoming debt free
I have been trying to come up with things that will help my financial situation, things I can do. The main skill I have is that I teach music and have about 9 years experience of doing so. I teach tin whistle and have worked with a variety of groups and in schools. I can no longer teach for the majority of organisations…
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Here I Am 1 Year On
Wow! Has it really been that long? :eek: If my memory serves me right I found this [STRIKE]site[/STRIKE] godsend when looking at renewing my car insurance in August 2005. My first post (see here) was after having my lightbulb moment. I was determined to pay these debts off once and for all and to build up the courage to…
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Front loaded loans question
Hello DFWs :) I posted this on the loans board thinking it would be the appropriate place but it's so quiet over there :rolleyes: Was wondeing if you have any pearls of wisdom for me please. Quick question please - can't believe this only occurred to me today but there you go. With front loaded loans, is there any saving…
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Panicking here!Please help!
About 5 years ago my husband took a loan out from Natwest for around £1500.We fell into a lot of debt,moved house and it took years for us to pay everything off.Or so we thought..... This morning we got a yellow card through demanding payment for this loan that we have overlooked:o We have heard nothing for years and…
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am i just grasping at straws..or have i got a case ?
am i just graspimg at straws here.or have i got a case... with the talk of people getting their bank charges returned on their personal accounts etc....most of the debt we are owe now is down to a failing business... 2 years down the line we still got another 8 years left it pay the bank back... but now looking at it with…
