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my poor mum & dad
im on msn at the moment and my mum is crying because they have had to go to the bank and think about remortaging again as they have no money at all. she feels bad because she feels responsible for me getting into debt in the first place because they werent able to pay for my wedding (which is why im in debt in the first…
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welcome finance.grrrrrrrr!
i purcahsed a car in jan 06 and finance was with welcome (i have v poor credit) car was fine and happy with it,but did need a bigger car as im a childminder,anyhooo get a call from my local welcome showroom in jan this yr to say i could get an upgarde, cut a long story short i go and look for a zafira and get duped into…
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Credit Report help ??
To cut a long story short I am trying very hard to turn my credit report around, however every time I improve it, something else comes along to give me a kicking. I have recently successfully removed a CCJ from my account so ran another credit check to see if that has improved, it's now worse. I notice that a debt from…
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Help with Personal Statement for an IVA
Hi, I'm applying for an IVA with the help of Payplan. They've asked me to provide some background information and personal statement explaining how I got into debt and what the money was spent on. I subsidised my living as a student with credit cards, plus took student loans out every year and a postgraduate loan to do an…
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Pigsback/Quidco
Hello all Sorry to ask this but I have tried finding a post for the above about earning daily points with pigsback to do with the quizzes etc and cannot find it anywhere. I have £7.50 but that was since Feb. A posrt with a link was put up about earning more daily but do you think I can find it? Nah Would someone be able to…
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Help with MIL problems
Hi, My MIL has been having numerous problems, her son used to live with her and now neither my DP nor my MIL talk to him or know where he is. The problem being is that she is getting letters constantly saying that debt collectors are going to go around to her house and get her things, one letter has now been addressed to…
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66k in debt and noone to talk to!
hello all of you, I am new to this so please be patient with me. As you can see from my header I am 66k in debt and very ashamed of this.:( My husband does not know of this as I know he would leave and I have an 11yr old son who needs both parents. Got into debt when both my parents died (I am an only child) and suffered…
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Why Snowballing Debt doesn't work.....
Why Snowballing doesn't work.....well it didn't for me!!! The Theory is sound but in practice its just cost me time and Money. Here is why a little over a year ago, I decided I have to get a grip and reduce the amount of debt I owed. Having read about Snowballing I thought I would give it ago. So I decided I would target…
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Gobble the whole pie or take a bite out of each?
I have been lurking in the shadows for a couple of months and taking on board everybody's advice and I just wondered, for those of you with more than 1 or 2 creditors, are you:- a) Concentrating on one debt at a time or b) Chipping away at each and every one, every month? :confused: Just curious to see the best way to play…
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Selling up...
hi folks - long time no see, i've been keeping the head down and doing overtime. Been giving a lot of thought to houseprices recently and selling up. Basically I have a good amount of equity in my home, but stand to lose about £20k from that if prices crash in the next year as many are mooting will happen. I live in the…
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letter from debt comany
i hope someone can give me some advice as i recieved the letter below form one of my debt collection companies today. my details are that i am on incapacity benefit for the last 6 years and have no other income or savings. i live in a council flat in scotland. due to the illness i wont be able to work again. i offered this…
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Hanco ATM Machines - Beware! close shave!
Hi all, Last week I gave my brother my cashcard and asked him to draw some money out for me why he was out. He went to a local shop and tried to use the ATM machine in there and was told that he would be charged £1.50 for the transaction so he declined and the card was returned to him with no cash. He then went to another…
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Young newbie looking for help & advice
ok, currently my SOA is in the green, just!! Incoming salary £1,200.00 Monthly Outgoings Rent/rates - £350.00 Phone - £35.00 Food - £100 Car Insurance - £90.00 Petrol - £80 Loan - £200.00 (HSBC FLexiloan around 12%) Credit card - £100 - (HSBC gold card) Total: £955.00 Flexiloan amount is just over 4,500.00 of a 5,000.00…
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Wages problem ......
Hi I'm wondering if anyone has any suggestions for me & my husband in the following scenario. My husband has just got a new job (yay ! he is so unhappy in his current job), with his current employer they pay him on the 16th of the month for the 1-31st of that month ie. two weeks arrears, two weeks in advance. Well his new…
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Debt/Loan advice
Was wondering if anyone had any advice as the situation I’m in now is very difficult and I’m struggling with all my payments. Just spoke to my bank about secured loans/further advances, etc. House is now worth approx. £155,000. They said they could only lend me £9,000. I have a joint mortgage with my girlfriend of £137,750…
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In to the eyeballs and over
My other half has run up debts on creditcards, storecards, and loans to pay them off. She owes in and around £40K. She has went to the cccs.co.uk and they have given her advice on what to do. I am worried incase the debts are put up against our house and simply dont know where to turn. Please advise.
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overlimit- dont know how
have just posted thread about haircut and decided to go online and see how much i had in account and its £13.20 in credit. however my credit card says that i am overlimit and i can not understand this. i havent used it since january and i won a my charges back and they should have been paid straight off my card. it wont…
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how much have/will you spend today??? - Mon 23rd
:hello: Hi all, Welcome to the first wet Monday for months! :eek: Anyway, mine should be lowish spends today - need milk, homous or taramasalata or summat. Should be it! Will come back after lunch with total. (Hi Moozie wherever you are!) Keep it rock bottom low all! :T Catt xx
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demand for a debt not in my name
I have been receiving letters from a company called LCS for debt not in my name I have just received a final demand the only reason I opened the letters was because the name is similiar to mine. I have sent the letters back not known at this address. I have rang them twice and according to them the debt is my sons from the…
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Fresh start today(again!)
After a really skint month and using my HSBC card again I got paid today and am starting afresh. I have £216 after all my bills, shopping and my agreed amount of debt repayments to last me the month. I need to use this for petrol ( don't use that much as only 15mins to work and back) and general spending so hoping to use a…
