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Im 24, approx £6k in debt and struggling
Hi all, I am looking for some advice. I am approx £6k in debt. Firstly, i am 24 years old, and up untill 4 years ago was paying my debts off regulary. I have moved house several times since and had a baby and dont know who i owe money too! How do i find and contact the people i owe money too? I am also on benefits for…
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How much to offer in final settlement?
Got an old debt I'd forgotten about - Just got my credit report from Experian - Oh God!!!! Everything is fine on there apart from this one debt and it's with Nat West/Westcot. Don't quite understand what it says though It says defualt balance - £793 - Noooo way!!!!! but the underneath it says Current balance £284. I was…
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oooh no :(
hiya first time here <~ n00b :o um.. not sure where to start, basically im in debt just now to a company (was the bank but it got moved to debt collectors) they threatened me with court, saying i had to pay the full amount £779 (was 2 thousand but i managed to get it down ) i called them today to say i am struggling, i…
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Oh my god. I think I'm going to lose my job
My work has just announced 133 redundancies - more than a quarter of the workforce. Production journalists are in the firing line, which is me. We're well reseourced on our desk, so I think that puts me pretty high up the firing line.It's a total nightmare - my DH is just starting a two-year course to be a music teacher.…
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my soa and new problem!!
hi all me AGAIN if you have read my other thread you will know about my dh recent work problems...today my dh went for an outpatients appt and was told he needs an op on his arm in two weeks which means he will be off for 6 weeks at least then 2 monthsish after he is better he will need an op on his other arm gosh!!! so…
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I've got an addiction, I need help!
Please do not laugh, but I'm seriously addicted to chocolate. I've got to have a 'hit' everyday, I really have. This isn't good for my health I'm sure or my purse, so what do I do? My husband thinks I should just go cold turkey, but not sure that would work (thinking about my willpower). I tried to replace it with…
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Missed 1 egg payment and they have issued a default notice - can they do this ?
Humph!! My DMP is starting on 1st October have missed ONE payment with egg (AUG) and sent them 40% of the minimum payment for Sept as a token two weeks early and they have issued a default notice. I have kept them informed by letter and email of my situation and they have gone ahead and issued,,,wrote back to them today to…
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Things are looking up!
Hello, have wanted to post this for a few weeks but wanted to make sure it was all confirmed first. So, we've just moved house from a £700/month to a £550/month flat. Irony is, the new flat, although a one bed not 2 bed, is bigger and much posher! Also, started my new job week before last and my starting salary will be…
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Please Help....insolvency practioner scam?
Hi, can anyone help me? i'll try to be as brief as i can! my husband was a sole trader & unfortunately had to enter into an iva at the beginning of the year. He owned the premises & therefore it was agreed as part of the iva agreement that the premises would be sold to release the bank's money for the mortgage & the…
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Help I'm Sinking
Joint debt of £140,000 with hubby. 2 kids. Tried Debt Plan for 2 years with CCCS and getting nowhere fast. Checked out Debt Free D and intially told cna help for £280 per month (owas paying CCCs £308) great I tought, spent weeks preparing paperwork and had my tele interview to be told £782 per month (big jump oh yeh).…
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Light Bulb Moment seeking Life Raft
Well, some of you know the journey that got me and my partner to this grave state, in brief the result of escaping abuse and constantly moving. Have been working hard to resolve debt problems now and have worked closely with CCCS. My partner has just collapsed with raised blood pressure and I realised that actually we are…
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Advice needed
Hi all, I really need advice as how best to help my son who is having difficulty managing his finances. He is living at home still (he's 30 yrs old:eek: ) following a relationship breakup earlier this year. Basically he's been in the s**t moneywise since uni days - never could quite get out of the huge overdraft mindset…
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I need advice/help
Hi, I have suffered from bipolar disorder and borderline personality disorder for about 10 years now, (I'm 23) and have struggled to hold a job too long. I went to university, but with all the GP visits, psychotherapy, psychiatrists, and other specialists, I didn't have time to do both so I had to leave uni. My job used to…
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Treats for GF with no money ??
Ok in may i decided to sort out my debts and that i am doing, but the thing is ive had to change jobs as i was getting bullied but dont start till next week sometime so not sure if im going to get paid at the end of this month. Ive in theory got £50 to last me about 6 weeks no my GF is the best in the world, shes really…
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Money Ssaving and Relationship Saving?
Hi Me and the OH are both struggling with paying off some debts, so we've really cut down our nights out and socialising to pay for it. Unfortunately, we're both really missing our nights down the pub/dinners out/clubbing and the like; and we're really getting really bored of staying in watching TV. So here's where you…
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Struggling with an unsupportive DW/GF
I'm probably going to get lynched for this, but it seems to be us poor (apt term don't you think) lads that are getting it in the neck. Re : Struggling with an unsupportive OH C'mon lads defend yourselves !!! So now I will add me 2p's worth. My DW had some bad experiences with money whilst at UNI. She was on placement away…
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Anyone heard of Secure Mail?
This company tried to deliver an urgent item of mail to me yesterday and I've never heard of them - I tried to re-arrange another delivery but they only deliver between 9am and 5pm and that's my working hours so they said they'd just send it out in the normal post. Thanks in advance
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How much have/will you spend today Thursday 7/9?
Good morning guys and gals Almost the weekend (for us 5 day people!) :beer: Today is nice and bright down here but funnily enough, it still doesn't make me happy to be at work. 5p listing day and I could use the time to dig around and find things that we don't really need anymore :rolleyes: Anyway, will spend £1.99 today…
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My Situation
Hi everyone I have been a member of the forum for a while and have never really had a problem with my debts until recently. Sorry if I ramble on a bit here but I feel I have to let it out. Between November 2003 and August last year I worked for a fellow student I was at college with who had setup her own business in the…
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Damn, gone over my o-draft limit!!!
Shucks, just gone over my limit by £1.66, so now i'm probably gonna get charged £25 :mad: :mad: :mad: can anyone tell me where to find the info about claiming back bank charges? :D however, it's not gonna be a lot as for the last 3 years i've been writing down my incomings and outgoings to try to ensure this doesn't…
