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Full and Final offer - maybe
We have a 2nd charge on our house (came from a CCJ) for £4,690.87. We are repaying this at £35 a month. We have just heard from my mother in law that one of my husband's relatives passed away. To her knowledge, this person had always said that he was going to leave my husband "a little nest egg". She thinks it could be…
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My underage son in debt
My son has recieved this morning a letter from the debt collectors, apparently he had been selling on eBay then not paid fees, he had recieved a letter requesting £29, his ebay fees were £19 so he paid those via eBay now this debt collection agency still wants £10 My question is, as he is 15, does he have to pay? He was…
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They're trying to say it's my debt! It's not!
Hi I have an account with Vertbaudet Which i have managed myself. When i was in my previous house with my previous partner (who i now don't see) he had an account with the same company. I moved last september and a few omnths ago i got a bill from them with a different account number sayinmg i owed over £250, i queried…
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our bankruptcy
:j It,s been a long time since we have posted on here so this is what has happened in the meantime and i hope it can help some of you thinking of bankruptcy. we started by having our light bulb moment in Jan '06 spoke to payplan and were sorting out a dmp, only Goldfish agreed to freeze the interest the rest just simply…
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from 28th june co-op visa reducing all default charges !!!!
Just got a letter today which i think all co-op customers will get. It says that with effect from 28th june 2006 instead of 25 quid for a default it will now be 11 quid . i.e late payment / cheque or direct debit failed / over limit etc Is this the start of ALL banks now starting to reduce their fees ????? :beer: By the…
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Need help with quidco queiry asap??
Hello just signed up to quidco and went and signed up to Coral but there is no transaction in my earnings and no 10 pound free bet in the coral account either. Am I missing something? And also if it hasn't been tracked does this mean I will lose the 20 pounds cash back from signing up with quid co?
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How much have/will you spend today Saturday 9/9?
Good morning DFWs! :wave: Hope the sun is shining wherever you are :) I've had a very early start to the day which is unlike me on a Saturday! Made my list of things to do, which includes a long walk - good for the body and soul. Registered as self employed today. I only do mystery shopping a few times a month but I was…
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Help me please!!!
Hi I love this site and it’s been rock solid to me, but I’ve hardly ever used the Chat Room, so I am giving it a go. I recently posted another message and got a great response, you all sound like great people. My problem can be summed up by saying that when I first met my partner I was £4000 in debt, and now I am…
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My debt's now under a grand!
:j As of today my debt is under £1k!!!:j I'm very excited! In fact, my debt is now less than the amount I have in my savings, AND I have all enough saved separate to that for all my big bills next year! Soooo happy! I could just pay off the debt but it's on 0% so that doesn;t make sense, but I still feel it's a great…
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Bank charges radio 4 today 9th Sept.
"12:04 Money Box 9 September 2006 Could banks be forced to cut overdraft penalty charges which the Office of Fair Trading says may be illegal. The Revenue asks three million people to pay more National Insurance, but then says they should think carefully before they do. Plus, Bob Howard investigates why people with good…
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when to start dmp
I'm new to this list & have dmp q. Trying to start up a dmp for 1 Oct but we have car tax x 2 & car breakdown due that we don't have money for because we haven't been able to put it by like we will when dmp starts. I think we should make token payments for creditors for Oct & start dmp on 1 Nov. that way we can pay 3 bills…
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New DFW
Hi, I've been browsing this site and forum for the past month and it's been a great learning experience. I was unable to make ends meet and realised major changes had to be made. I'm adding my soa to show some changes I made after taking tips from this site. Before Expend tv licence 10.99 car insure 34.02 life insure 40.45…
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Anyone for a glass of wine ??
Good evening everyone!!! im not writing about debt etc etc so please dont move the thread, i just thought with it being the first night of the weekend we could all take our minds off our problems for a little while!! Ive got a glass of wine (thought id have 1/2 of my saturday night bottle now) and watching the charlotte…
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new debt counselling service in Stockton on Tees
Thought I would pass this info on - hope it may help somebody. This information was in our local free community paper . There is a new counselling centre based at the Oakwood Centre in Eaglescliffe, Stockton on Tees. Set up by the national charity Christians against Poverty and the Tees Valley Community Church. They offer…
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Friend in need
Hi there everyone, A friend of mine is very stressed about the state of his financial affairs and he doesn't seem to know how to even start sorting it out. I was hoping one of you clever people could give him some advice. (He doesn't know I'm writing this thread but I'll ask him to read it once some advice has been…
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Avoid Temptation and Save the Planet
As I know generally speaking if you are on this forum you want to be debt free, I thought this might help with the willpower. Royal Mail now has a service where you can opt out of direct mail mailings (ie the ones with no address on, if there is any type of address at all they are legally obliged to deliver it). You send…
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Newbie!
Just wanted to say hi, and thankyou to you all. i have been struggling with debt for many years and only recently decided once and for all to do something about it. I have contacted payplan and the wheels are in motion I am currently £25,000 in debt. I spent a whole day reading everyone's comments and cried as I felt there…
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Friday night DFW drinkie anyone?
'Tis the end of the week! Anyone fancy a quickie (drink!). Can't stay long as I've promised myself an early one (night!).
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Student Debt v Inheritance
Hi Advice welcome on best option for student with many £Ks debt (all student loan type) who has inherited an amount roughly equal to the debt Pay it off and start at zero? Invest inheritance? Defer paying debt off until deducted from salary (salary some years off) ? Other?
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Mortgage & IVA Query
Hey. Quick question, can you get a mortgage if your in an IVA? Just thinking ahead for the future :)
