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In LOTS of debt, had my lightbulb moment but have some questions
OK.. first post.. I have about 30k in debts of various sizes, the majority is on credit cards.. I have had my lightbulb moment and realised this can't carry on because I'm just tunneling my way further in.. I'm lucky enough to have a promise from my parents that they will lend me 15k(ish) when they receive an inheritance…
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To Do List (For 14th November)
Im sure there was a similar thread to this going, but I may have been dreaming, as i couldnt find one anyways, and also at the moment i dont have a notice board so i thought why not use MSE as one ;) Anyways my thing to do list for tommorrow are Do all my washing! (steady on kev, washing lol) (and maybe ironing) Ring A&L…
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Pay Credit Card or go overdrawn
I've just recieved payment for 2 cake orders that I've totalling £130, this was earmarked for paying off the credit card but after just assessing the finances, we will be going slightly overdrawn this month. OH gets paid end of next week and I estimate us to go £150 overdrawn (OH going to a concert this weekend!) I have…
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Thank you...
Its been a good few months since I joined and realised yesterday how much has changed & how much I owe a huge debt of thanks to people here. Its been very up & dow but the bottom line is that my life has changed beyond all recognition since I found the site. Yes I still have huge debts but do so now safe on the knowledge…
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Westcot Final Settlement
After finding out that we owe Westcot £800 they have offered us a final settlement of £600 which I have accepted. My question is what (if anything) do I need from them to confirm the offer and then when I have paid to confirm that it has been paid. I know nothing about the company and am worried about paying them so much…
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Diamond's Debt Diary
Am not new to boards but have changed my nickname as realise someone I know may recognise me from my previous nickname and dont want them to know my financial details Story so far: had my LBM in Dec 2005 and went to CAB between Xmas and New Year. Took a while for them to set up my DMP but eventually started making payments…
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What Have You Done Today That Is DFW Stylee? Monday 13th
Me again. I am sooo nosy. I want to know what you've done today in the spirit of MSE :D As for me, not much but here goes: - Pounced on a 2p coin at the bus stop to go into the coppers & 5p pot. It gets banked every 2 months or so when the pot gets heavy! - Got a lift home so no return bus fare was needed. - Got a free…
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Well chuffed! Bonus pay, big chunk in debt gone!
Just had to tell you all, had my bonus pay today and it was more than expected. It means that I have paid an extra £1700 off my only remaining credit card leaving less than £1000 left! In total since January I have paid £5000 off credit cards, £1000 off a loan (now settled early) and a £500 OD. This is in addition to the…
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Ex wont pay debts, can i do anything about it?
I've just recently split up with the father of my 2 kids we were together for 5 years and as he has a bad credit rating i financed a car for him problem is i didnt expect to split up with him and for him to turn round and say he wasnt paying it. Theres still over 5k left to be paid to the car and as the log book is in his…
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what happens in 6 months
Hi, most of my creditors have agreed pro rata payments for 6 months but then what? And why had natwest sent a a default notice when they received the same info as other creditors? And why do MBNA still ring for more money? within ten minuteds of ringing previously?
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Please help me
I desperately need some advice with regards to Barclaycard - I am sat here in floods of tears about them. It has taken me years to improve my credit score after getting into debt around 1998-9. One of my debtors was Barclays and as with many other lenders, I arranged a settlement figure. Today I have applied for a balance…
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LB Moment to clear my debts by 2010
At the moment I owe: £2000 on a CC (just sent £170 to it today) £2604 on smile loan (if settled today) - ends Aug 2008 £6507.44 on HSBC Graduate loan (if settled today) - ends Nov 2010 TOTAL: £11,111.14 Now if I took a loan out of £11,000 it would be: £11000 loan over 4 years at 7.9% = £12197.35 This loan would be £20 less…
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Pay off Debts Quicker or Save for a Rainy Day
I currently have around £120 - £170 a month spare after all my bills etc. So question is, do you use all this amount to pay more off a debt say a CC bill or OD. Or do you transfer some of it into a savings account for a rainy day. You hear everywhere that we need to be saving, but also that we need to clear our debts. The…
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advice please
if i was to use savings to pay back members of my family and give some to my daughter(age 16) before entering a dmp ..would that cause any problems ?
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Easy Mobile Closing Down Service In UK
Just had an email saying Easy Mobile are stopping their service in the Uk from13th December, how annoying! Got my sim via Quidco and as from 13th December it won't work here, gutted! Has anyone else had the email?
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Omg!! We've Been Burgled!!
I haven't posted for a while guys and the reason being is that this last weekend when we returned home from visiting my mum, we came back to find we had been burgled and the house is a MESS! I feel sick to the pit of my stomach and so violated. The burglary took place some time on Sat evening/ Sun morning and they took…
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broadband and scottish bankruptcy
i just wanted to check what the current situation is regarding broadband and bankruptcy in scotland and what happens to the service? does the or stop the service as i have telewest and a 8month contract still to go. what has happened to other peoples broadband in the same situation.? also can someone confirm that the bt…
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how much to pay?
been doing my soa with a nice person from the cccs outcome is from my benefits there is around £80 per month remaining would my creditors (rbs) accept some of this or will expect all of it ? on a debt of £8000
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Bank Accounts
Hooray..after months of reading about all of our problems on this site and how we can sort them I have finally had the best phonecall of all today..from PayPlan. My appointment went great and as I had everything to hand it was only half an hour. I feel alive again and can see that light at the end of the tunnel. So stuff…
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Advice needed please........
Hi I haven't posted for a while but we are still working on paying off our debts and just wanted some advice to see if we can save anything? SOA are: - My Monthly Income - £950.00 per month Board - £80.00 per month HSBC Loan - £214.41 per month Medical Bill - £187.50 per month Mobile - £40.00 per month Gym Membership -…
