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First post - good website
Hello all This is my first post as I have only just got round to looking at this website. I had heard about it but just never got round to it. Good to see all the advice about cutting back to repay debt. It all makes great sense and I can relate to many of the tips people are sharing on this excellent website. My story is…
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Debt Free? then what?!?!?!
I am not Debt free YET but am considering remortgaging so I can be this in a few weeks (£12,000) - but this is not really debt free (just delaying it a bit) Anyway the cards will be closed and that will be the end of it - or will be the end of it just for now.... or until next time?? I have had debts before not so big but…
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Becoming a Virgin Vie rep - any views?
Hi everyone its been a while since I posted on here. I am thinking about signing up as a Virgin Vie cosmetics rep and wondered what experiences people have of working for this company? I just want to make a little bit of extra cash around being a full time mum. It would be nice not to have to rely on Housing Benefit…
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DFW Newbie - My SOA
HI Everyone I have lurked on here for about a year, when I was first introduced, I had little debt, and lots of spare cash but thought it was a great site for general hints and tips. 6 months ago my life turned upside down when i split with my fiance 2 days before our wedding (my decision, but thats a whole different…
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ex mbna employee
We have just got a new guy working in the company and i have to work quite closely with him on numerous projects. I have just found out he has just come from MBNA where he worked as a manager in a call centre, is it wrong that i want to gouge his eyes out with a very sharp pencil (accidently of course)????? anyway i hope…
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Newbie and in trouble
Hello all, I have been reading the forums for a couple of weeks now and finally have the courage to say we are in debt, and its getting worse and worse each month, we seem to be having less and less money each month and its becoming a struggle, we are fed up of being in this mess, and need to get out of it.
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New business / No money to spend / Lots of debt
Hi I Started a business up in April of this year :D , Me and my business partner are doing ok and just covering the cost of running the business. The only money i am taking from the business is car mileage! at about £400 p/m, Iv moved out of my house which i am renting out (covering costs) and moved back in with the…
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Tiscali - trouble
Hi all In June of this year I signed up with tiscali for my phone calls on a non contract basis - i could cancel when i liked. three months later when i was still being charged by bt i found out ( i had forgotten) that i was in a 12 month contract. I then phoned tiscali and informed them of this and asked them to cancel my…
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we remortgaged do we pay debts? newbie by the way!
Hi, we are looking for any advice really from anybody who can help.....I like to consider myself as quite with it when it comes to finances but have ended up in a bit of a muddle. We started off with a credit card then decided to get another then decided to switch that to another interest free and keep doing that which we…
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Toms DFW Diary!
Right, at long last I have my current state of affairs. I have this in spreadsheet form if its possible to attach that somehow! Income Full time job - £920 Part time job - £175 TOTAL INCOME - £1095 Expenditure Food and toilettries - £70 Fuel - £140 Car Maintenance, tax etc - £50 Gifts, Xmas etc - £30 Car Insurance - £102…
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Do you
Blame yourselves or the banks,credit cards,etc etc,for getting you in a mess....I am so lothe with my bank at the mo,,,Yes im a sane thinking adult,not mad,not greedy,not weak minded,but when money is thrown at you,over the years,is it natural to say yes. Reading through the posts here,i think the UK is in a debt mountain…
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Think I must have trod in doggy doo doo...
I've had a stroke of luck today!!! Some of you may vaguely remember when we first started on here my battles with Morgan Stanley..they refused to refund our ppi which they reinstated on our account without our consent. :j :j :j We have a result:j :j :j Full refund of this months payment and ALL the monies outstanding grand…
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The secret millionaire channel 4 now
How good would this be good to happen rich guy (self made) lost everything a few years ago now wants to help what do you think generous or taking the !!!! ?
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Oh dear
Well its started...Nice friendly people have written to me from CCCS,saying one of my vultures dont want to accpt payment..They want more loot..........well they aint getting more...simple.........letter says i dont need to do anything however they might default me and hand me over to DCA.....i quake in my…
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Charging Orders
I wonder if anyone knows what will happen to the charging orders against the joint property me and me ex own(mortgage) if i enter a IVA due to my debts (espically if we have to sell the house)???
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Evicted - BBC One
Evicted is on at 10.35pm on BBC 1 tonight - stories of homeless people following evictions or being homeless. Could be interesting to watch, and will hopefully highlight the fact that the Government needs to allow Local Authorities the money they need to build new homes to replace the ones being sold off under the Right to…
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Advice on how to split cash I have please!
Hi there I posted my SOA before and said I was starting a job at Tesco. The job they offered me was 15 hours a week, starting at 6am in the morning. This was completely wrong for me as I needed more hours etc., so I have decided to register with a temp agency while I am looking for permanent fulltime work. I have also got…
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Reply to telephone message?
Have sent off letters and initial cheques, the one to first credit has been cashed. Now they keep phoning and leaving me a message to contact on 0870 number.Is this going to be an expensive number to call? should I call them or ignore until they actually contact me?:confused:
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Direct Legal & Collections
Hi all, I've managed to make arrangements with all my credit card debtors, apart from one where my account was sold on to DLC, they're asking for monthly payments I can't afford and refuse to freeze the interest etc, until my account has gone through their six stage default process which takes quite a few months. It seems…
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Need new basic bank account
After speaking to the CCCS tonight and finally admitting we need to do something, I need to set up a basic account to get things paid into etc and for priority bills. Which accounts are the ones to go for and easy to set up? Anyhelp appreciated.
