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Debt collection notice help
Hi My gf's sister is in alot of debt and is going through the stages of bankrupcy. She doesn't live at our address and has never done so. Today we received a rather unpleasent letter address to my gf's sister stating that she owes them £4175 that needs to be paid straight away. Of course I rang the company and stated that…
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Temptation
Just got home to find a credit card waiting for me, havent applied for any credit in the last few months so god knows y its here. this credit card has a limit of £2500,normally i would have been made up, however since u lot have been so helpful and made me see realise how much debt i'm actually in i have just cut it up.…
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It must be catching........another offer
Afternoon all - I've just read Minty's thread below and found it incredibly inspiring and touching. I hope you don't mind but I'd like to make an offer of my own? :o I have a black size 12 womens top at home that is from Marks and Spencers and still has the labels on it. It has 3/4 sleeves and is 100% cotton and a scoopy v…
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trying to be proactive but advice needed
I’m in debt to the tune of: Hsbc personal loan – 20466.32 (loan £13,500 +ppi (??) and interest) Hsbc MasterCard - (limit £8500) - 8500 Hsbc overdraft – (limit £500) – 500 I am not in a position to make the full payments for these until at least January when my student loan/grant goes in to the account and even then I’m…
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Buy Nothing Day!
Has anyone else seen this? http://www.buynothingday.co.uk I just got sent it by a friend, but hadn't heard any other publicity about it which is a shame.
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SOA rough draft...help?
hi there not very good at this type of thing so please bear with me! ok here goes!. MONTHLY INCOME: Wages £1360 Child Benefit £ 116 Maintenance £ 120 Wtc/Ctc £ 550 TOTAL = £2146 I'm a self-employed lone parent with dd (10) and ds (3)! MONTHLY OUTGOINGS: Rent £425.00 Home Ins £ 25.00 C Tax £ 79.00 Water £30.00 Gas £35.00…
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Newbie Needs Help Please
Hi, I'm in a bit of bother at the moment. I've just lost my job due to longterm sickness. I lost my job today - hence this post. I'm going to be on benefits I guess for a while. Here's my current situation. Rent £ 300 p/m (living with parents) Sky £38 p/m Phone £20 p/m Pet food/insurance £25 p/m Petrol £50 p/m Car…
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Newbie Needs Help Please
Hi, I'm in a bit of bother at the moment. I've just lost my job due to longterm sickness. I lost my job today - hence this post. I'm going to be on benefits I guess for a while. Here's my current situation. Rent £ 300 p/m (living with parents) Sky £38 p/m Phone £20 p/m Pet food/insurance £25 p/m Petrol £50 p/m Car…
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Feeling depressed, can't work, no money, scared
Hello I went to the doctors this morning as came to realised I am depressed. He said he would be happy to sign me off work, but the problem is I am working in a temping role at the moment until end of the year, they want to make it more permanent, but I am not at work today and not sure if I am well enough to work, find it…
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Martin Lewis ---- you did it again!
First my wife gets me one of Martins books.Then I find this website.!st saving,better deal on my cell phone.Then totally slashed my car insurance.Today renewal of my buildings insurance.Just by screen scraping I have managed to reduce it by more than half.
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Arrggghhh!!! Why does everything go wrong at once???
Sorry, just really, really needed to vent :mad: Since my LBM a few weeks ago, we've really made an effort to cut back. BUT, since then: TV packed in - 12 years old - too old to repair. £200 for a new one - on credit card. Wouldn't have got one but my disabled brother and sister come to stay one weekend a month and they'll…
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MBNA - are they always such pains
I spoke to a lady yesterday from MBNA who was lovely, i explained my situation to her an said that i could pay £50 on 27th Nov and £50 on 20th Dec, she said that was fine and made a note of it on my account. I have had 3 calls today from people (english people for the 1st time ever) asking for a payment of £16.50 to cover…
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Mutual support in central scotland?
Hello All, I was going to post this on the scotland board but knew more people would see it here (hope you don't mind). Looking for someone who is in debt same as me and is looking for someone to moan to, cheer them up etc and vice versa. I've noticed a lot of people on here are from England or Wales but I'm sure there are…
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Holidays whilst still in debt
I am having a dilemma about a holiday! I could either, carry on as I am, with CC on 0% and chipping away at my loan slowly but surely, and save some money to go away this time next year (without putting myself into any more debt) by saving £100 a month for 10 months (which I was – until last month – paying off my sofas…
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do you know what this is?
I have just had a call from home to say there is a telemessage, apparently a new type of telegramme, I am very worried do creditors contact you in this way? I have wriiten to all my creditors very step of the way (before I defaulted on payments) and am in teh process of setting up a DMP with CCCS but am really worried…
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Debt free the Fly lady way - anyone?
UPDATE: The first seven days of the plan have been posted in a separate thread, which you can find permanently at the top of the DFW board, join in whenever you want, and then come over here to chat about how well you are doing ;) REMEMBER - you are never behind! Lurking over at the old style board I have recently become…
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bank query
am about to start a dmp (via payplan ) with the RBS,so have opened another acount with the Natwest to pay dds etc. could the rbs access the natwest account as i believe(found out today) that the natwest is part of the rbs group.
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help urgent advice needed
Ok thanks for looking in,hopefully i've posted in the right place. About 4 weeks ago we had a visit from jacobs bailiffs with a notice to remove goods,they went away because i refused them entry and a week later we got a letter from them.We got in touch with the cab about it because there dealing with our debt problems and…
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Try not to worry
Although my debts are now very manageable and I should be able to be df next year it hasn't stopped me worrying so much I usually woke up with heart palpitations. Now it seems that there may be something worse than stress the matter. From being fit, albeit overweight, in the last few weeks I have gone to being someone who…
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First Time post on here - felt sick and a loser
IMPORTANT NOTE FROM MARTIN. BEFORE REPLYING PLEASE READ MY POST ON THIS SUBJECT. I have lurked on this board for a while and have many sleepless weepy nights wondering how I am ever going to sort the mess we are in out. Our income is 99 per cent benefits due to me being unable to work due to illness and my wife being at…
