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how do i become a debt free nerd??
hey all how do i become a debt free nerd, ive tried searching loads of threads but cant seem to find anything on it. hope someone can help.......:confused: :confused:
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my soa after being debt free for 5months
so all its nearlly 5months since i was debt free :eek: time has flown... anyways i thought i would post a new soa and see if any of you can cut more back... bet you cant but i have to keep you all ticking along :rotfl: so: income: £800.00 (approx ~ sometimes more) ~ full time job after stopages (including, tax, ni and…
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Christmas boo!
Just wanted to have a moan really! I was made redundant on Friday 13th October. I'll reserve judgement on pinhead boss(!). I was in town today (yes, I spent more than I should have) and had to bear the unmistakable warbling of Noddy Holder blasting out. I'm getting seriously worried about the impending festivities. I'm…
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Bank Charges Refunded!!!!
Evening all!!! Received a letter today from Nat West's solicitor's with a cheque for £2,253 being the full amount of my claim plus MCOL charge and £100 court fee. It has been a very long, nervous four months since I set out in my quest for repayment of charges but it has all been worth it. If anyone is just setting out on…
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sat nite dfw bonfire party
I'm really sorry if someone else is supposed to be host. I am just too impatient (and very bored at work!) For any1 who wants a cheap version of bonfire night come here and have virtual hotdogs, jacket pots, chips and little nibbles and also lots and lots of beer:beer: /wine/alcopops/spirits....e.t.c enjoy!
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OMG Claiming against FD for bank charges? They pay
Just had to share my good news ;) I got my statements on Wednesday, replied with a first letter on Wednesday ! Got a reply today offering me full and final payment :) yay. To those that wonder, just do it, brings my bank reclaim total to just under 2K
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Advice re nearly statute barred debt..
Dh has recent had contact from Capital one who had bought back an old debt which defaulted on the 5th March 2001. Obviously come march 07 it's going to be statute barred which must be why they've gotten in contact again. Basically before we realised how old the debt was he made an offer of installments over the phone but…
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can someone point me in the direction of a post..
the one about how creditors cannot chase debts that are over 6 yrs old??? Thanks
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How Do You Get Your Brain To Just Shut Up???? Debt Debt Debt Is All It Says :(
Is there anyone out there like me???? i seem to think about everything in too much detail and if something bothers me it keeps going round and round in my head until it is solved so im getting rather frustated today!!! first day off in ages and just wanted to chill needs some words of wisdom me thinks!!!!
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Hello all
Well like others I have been lurking for a long time before being brave and posting. I found this site by accident and it's one of the best things I have ever done. I too, am massively in debt. At my lightbulb moment I was £46,000, which was July this year. I am now about £41,000 and have worked out that my debt free date…
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IVA Question
Hi This is my first thread please bear with me. I was woundering how long does it take to set up a IVA? Thanks Bill
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Oooh Get In! One more bites the dust!
Hello one and all - just thought I'd share with my one thing that's gone ok in the past two months lol. I have an attachment of earnings order on a CCJ, and it got a little messed up when I moved jobs (well, actually, I found out that they'd been taking the money, but hadn't taken it off my 'bill' as it were) and I had to…
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Bankruptcy Advice
My brother has his bankruptcy meeting on Monday he had contacted CCCS and they advised the bankruptcy due to the high debt 42000 he has no income apart from benefits and he has had to borrow the money from the family topay the bankruptcy fees he is married but not listed on the deeds for the house he was sacked from his…
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Emigrating when bankrupt?
Hi Just a Quick one, Can anybody tell me if you can emigrate to Australia or canada if you have taken out bankcrutcy? Do they credit check you and is there any terms in your bankcruptcy saying you cant move abroad? p.s. when youve gone bankcrupt how much can they make you pay back a month? How much does it cost to go…
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moving my OD to a 0% card... any advice?
Dear All I have an 1800 OD with the Natwest that I would like to move onto a 0% credit card. Do all credit cards allow you to balance transfer onto them? also, if someone could direct me to martins article about the best 0% cards I would be really grateful. thanks xx
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Staying with relative but need to go BR...
im desperate to move out before i go Bankrupt for two reasons: Firstly, as i understand it, the process would be quite intrusive on my relative as "a member of my household", in terms of income and "household costs" etc. i really, really dont want to put them in this situation as they have been so kind to give me a roof…
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A success story.. *almost*
Hi, I've been a regular on MSE for some time now. I've rarely posted but have done a fair amount of soaking up valuable ideas and techniques. As most of us are probably all too aware, debt is something that is so easy to fall into but oh so challenging to get out of :rolleyes: For those fresh into this battle, it can seem…
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IVA Concerns!
Hi Didnt know where to post this as its general concern, but im sure it will get moved. Im in quite a lot of debt which is JUST managable. I would qualify for an IVA but im planning to manage it myself. I am aware of people that have opted for IVA's and will be debt free in five years. Its quite frustrating as mine will…
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Info please
A friend of mine,has debts from 7 years ago amounting to about £20.000 from CC Cards and Store cards,she lost her job and just couldnt make the payments. she has had help from the CAB but not heard anything for over 2 years from any of the companies she owed the money to in the 1st place. She has applied for an Aqua card…
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looking through my bank statements
I have just had four years of bank statements delivered so I can work out my charges. As I am looking through my statements, I realise how much my spending habits have changed since I had my lightbulb moment this summer. I am absolutely ashamed and horrified at the transactions going through!!! My overdrafts went up and…
