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Bankrupcy and move to UK need to decide
Hi, I live in Jersey with my Husband and Daughter. Since our daughter was born we have used loans and ccs in order to live. Both my Husband and I have good jobs with good salaries. However we have found ourselves getting deeper in debt. Jersey is a very expensive place to live. The amount we owe to various lenders is…
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Newbie DFW
Hi This is a great site - and such a comfort!! I feel such a fool when I look at my debts & it's good to know I'm not alone. I've built up debts since being a student (a mature student, so should have known better!) & have kept "tidying my debts away" instead of paying them off - and then building them up again. I'm a…
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never ending
still in a pickle here at skint towers. things are going from bad to worse, its going to be a very crap christmas and i;ve had a bit of a cry tonight feeling sorry for myself hungs to everyone what needs them at the mo xxx
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Advice Please, what would you do?
Right we have a couple of options at the mo. but a bit of background first as I know you guys will ask for it if i dont put it on. Hubby and i got into a bit of debt 2 years ago (£23k:eek: ) after remortgaging to consolidate various debts and ccs. 1 month after doing this hubby was made redundant, in and out of work and…
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Mbna Result
Just thought I would write to say that I have today received a settlement figure from MBNA of £4196 on a credit card debt of £11900!! I am gobsmacked that they are prepared to write off such alot of money,but chuffed to bits at the same time as Payplan had submitted a settlement figure to them on my behalf of £8000 for…
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paying debt
if i was to pay my debt off like many of u are by the small ones first would i continue to pay a pound a month off the other debts?
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any advice on bankruptcy??
can anyone tell me what amounts the court allow for living expenses? is it the best thing u have done or do u regret it? if u could have struggled on to pay the debt off would u have ??
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what happened to loulou?
just remembered the big post from her last week from her dinner with her boss but icant find it is she ok?
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CCJ's
for as much as i'm trying to keep my head above water, its not going too great for me, if you aquire CCJ's is there a way to get them removed from your credit file?
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Ideas for making some extra money
Hi Everyone I have been postively influenced by this site, and am to be dealing with my debt. I was wonder how people are managing to pay off huge sums of money in such a short amount of time? :rolleyes: I have seen people pay off over £6000 in just a six month period, I would love to know how this has been achieved? With…
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global something
Any advice on how to deal with this company - obviously from MBNA despite keeping in contact with them with regard to pro rata payments. Global vantage? have been ringing four times today. What do I say to appease them? What powers do they have if I disconnect the phone?
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Saubryns DFW Diary - finally started one.
Well, I've been starting threads on here off and on for ages, so I figured I'd keep it all in one place and start a diary :) I first came on here panicked as anything because the council wanted to evict my husband and I for rent arreers, we got an arrangement, and we've paid off £750 of the arreers as of last statement…
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pawnbroking
Can someone please explain how this works??
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bank charges
have just had a lightbulb moment today. I dont get paper statements but do internet banking - i have been studying my statement for where i spend my money (i know it goes somewhere) and i have just realised i pay my bank 180 pound a year for the privilidge of giving me an overdraft (but if have 4 grand in my acc per month…
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Pay off loan with savings?
I have a personal loan with around £1150 left on it, was originally £1500. I have £2000 savings and i was wondering if i should pay the loan off with the savings? The interest is 9.9% and im sure there is a fee for paying it off early as it was taken over 2 years. I cant really figure out if its worth paying it all off and…
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How to delay switching the central heating on
My OH and I owe our gas supplier nearly £600 :eek: (we pay by monthly dd and switched to lowest provider but monthly payment wasn't set high enough!) So I'm seeking ideas that will delay putting the central heating on but still keep the family warm now we're in a cold snap. We do have a logburner in the lounge so in one…
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It's so easy to slip...
I'm feeling quite bad, I joined MSE over a year ago and vowed to sort my debts out... I managed to get all interest frozen on all my debts which was a good start, then I split up with my partner and had to find somewhere to live. Then Halifax offered me a bright shiny credit card which I accepted and over the last 6 months…
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IVA failure
has anyone here failed on an IVA and who were they with? Does it happen often?
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Pay off debts with savings?
Hi there I stumbled across this site a few weeks ago and been impressed with the amount of ideas and tips that people have. Can I get your points of view regarding my debt. I have 2 credit cards 1) Virgin that i use for purchases like flight tickets, clothes and try and clear most of it monthly - balance of £550 2) Halifax…
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Britain's debt epidemic worsens
LONDON (Reuters) - Britain's debt epidemic has worsened, with the number of people in serious difficulties increasing by 400,000 in the past six months, figures showed on Thursday. A total 8.4 million adults, a fifth of the population, now have unsecured debts of 10,000 pounds or more -- up from 8 million in April,…
