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CCJ Shock
I have pretty much got all bar one debt of £3000 cleared and it feels great. I then get a small claims form through my door from a bill which i had completely forgotton about for £130 i agreed to pay £65 one month and £65 the next thinking that was it over i was then stunned :eek: to see it on my credit file. I thought…
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Advice on where to go for best debt advice?
I am currently unemployed but due to start a job next Jan/Feb in the meantime we are just about covering our payments over the next two months, I am considering getting some advice on the debts and wondered if anyone could recommend someone to call. So far we still have a good credit history no missed payments, our…
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Rainy day money
Over the past 4 years we have reduced our debt considerably. Like everyone else in this situation it has been hard work and difficult. At present we still have 2 ccjs outstanding and one very small loan plus our mortgage. Everything is paid up to date and we are managing to budget for all the necessities. So things are…
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is it a good idea to let your boyfriend help you out
I am desperate tp pay off my debt which is a huge sum. My Boyfriend is moving in with my at Christmas and is going to may my mortgage so i can concentrate paying as much back as possible - is this a good idea to let him do this or just asking for trouble????
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Moving bank account? Help?!!
Well I did the thing, had the light bulb moment and faced up to the hideous mess I'm in. I followed Martin's advice and went on to CCCS and filled in my SOA and debts and downloaded my recovery plan. Did feel like such a weight had been lifted just getting that far. But now comes the really scary bit. I've stopped all…
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3 Months Behind....HELP!!
Hello, I'm a new member searching for help with my debt that seems to be piling up. I'm 3 months behind on utility bills and need help-help-help! I'm looking to get this under control but also looking for a site that will help me with paying these unwanted burdens!! :confused:
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Independant Banking Advisory Service (IBAS)
Has anyone experience of this organisation? Are they ok/legit? My partner is being chased by the Halifax and Counselling Intermediary Services (CIS) for a shortfall from a mortgage she and her ex had in 1995 (when their house was repossessed). She found this site http://www.ibas.co.uk/ which seems to suggest they will…
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I'm in such a muddle :(
I don't know whether I am coming or going at the moment, I keep trying to sort my finances out and then bury my head, I have got so much to sort out, the house, my job and my money that I feel completely swamped and feel like I'm running in circles at times, I do know that sorting my money out is one of themost important…
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Trying to sort my life out!
Hi I am trying very hard to sort out my finances once again as the council have halved my rent and council tax benefit. I know i have a few things to do i need to downgrade my sky and cancel a few bits and pieces that aren't essential. I am going through martins budget planner as i speak Any tips would be appreciated. Carli
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Having a great day! Paid off our first debt!!!!
Feeling soooo good today! :D This morning we paid off our first debt to a DCA and have just got to wait for the confirmation letter to say the account is totally settled... also we have the money in the bank to pay off our dell loan and are just waiting for someone from the right department to get back to us so we can pay…
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Pondsavers New Thread Gulp...
Hi guys. I posted on here a few months ago and things were ok and payments were going out fine then something happened ....not sure what but we over spent one month and then it has been a viscious circle again. we haven't been able to afford to pay the mortgage yet this month and owe a loan payment and a friend some money…
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credit cards
I only ever pay min payments on credit cards which is not good so my balances never seem to come down.I wondered what everybody else pays to reduce balance my balance is £4000 paying my min is going to take me for ever isnt it.
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Joint Loan problem - please help!!
Big problems with OH and his ex. He was persuaded to take out a joint loan some years ago to clear her debts, not long before she ran off. :o OH and her covered half each of the loan payment. OH has had no work for months and there is protection on the loan even though he's always been self-employed. She apparently…
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silly thread! pigsback/dead doves
This is a stupid thread but want to get it off my chest! I am having such a bad day.:mad: I emailed pigsback to ask why I haven't recieved my points from referring my oh's account who has now claimed reward-they emailed me back saying I am not owed any points as I did not refer him.(I did) I was the one who set up his…
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YES!!! Might have a job again
Woohoo. After 5 months un-employment, the place I was "let go" from are willing to take me back :j I was there for about 3 years in total, changed department once. The last department can't take me back, but my old team have called me in for an interview :T Next year should be alot better for me, my first months pay will…
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Bank charges please help???
Hi there does anyone know if you can claim back unfair bank charges if you no longer bank with them ? between me and my boyfriend they owe us thousands !!!!!!!!!! cheers
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ISP Debt
Back in 2004 i signed up for an ISP Bloomley UK which we received no services for as our BT exchange needed to be upgraded as it wasnt fast enough for the internet connection we wanted (our BT exchange hadnt been upgraded till around last year). I paid a connection fee and was told that when the BT exchange was upgraded…
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Debt consolidation advice?
I was bankrupt once and as such I am now debt free (being too scared to even look at a credit card). My boyfriend and I are getting a flat in January and it will cost an extra £100 per month (on top of my current £736 rent). The thing is though, that my boyfriend has lots of loans, debts etc but they are scattered all over…
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Got my bank charges cheque today
:T £223 yippee going to pay it into bank today but have already done the online transfer to the credit card so I won't be tempted to spend it! New balance of debt - £2403.26:T That means I've paid more than 50% of our debt off since March :D
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Time Out's DFW tips
Thirty tips to get rich quick, courtesy of Time Out magazine... Not sure I'll be trying them all, but worth a look! http://www.timeout.com/london/features/2201.html Also, hints from a while back on living cheaply in the capital: http://www.timeout.com/london/features/103.html
