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I'm Glad I Found You Guys!
I've been lurking on these boards for about a week now, and just thought I should post: everyone is clearly so supportive and I wish I'd found it sooner! I am in debt, not by a huge amount: but it's enough to be causing me to worry, mainly because 1) I got into it without ever even thinking about getting out, and now the…
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payplan problems????????????
This is a long story. I currently have my debts with payplan, i pay them on time everymonth, and have been paying them extra each month to try and get my debts down. I had and email from them last month saying, that have over paid them for the last year and am i interested in having my money refunded. I said yes, with…
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How Demotivated are you?
With the Demotivator tool as incentive, I've decided to see how Demotivated I can be! I'm going to start with one item I definitely don't need - say chocolate - and see how much I can save. I'll put it in a separate 'pot' and then spend it on something much better/help pay off my mortgage... haven't quite decided yet.…
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BT'd Loan Balance to Egg Money & Pay-Off Loan! DONE!
I just paid off my loan balance of £4900 (7.9% apr) by balance transferring to an old credit card. I had a limit of £3200 on an old Marbles card I hadnt used for some time and it was sat in my wallet with a £0 balance. I rang them up with cancellation in mind, only to be offered a bt deal of 2.9% apr for 6 months with a 1%…
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Credit File Nightmare Any Advice welcome!
Hi Everybody this is my first post so Ill try not too waffle too much but would really appreciate some advice! (ooh the irony) I'm about to sit my CeMap exams and part of the criteria for being licensed is that you have to have a good credit rating and I didn't think this would be a problem as I paid off my credit cards 3…
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1st 1k of debt cleared
iv cleared my 1st 1k off my credit cards now only have 7k more left. but Hay what a great feeling and this has encourged me to go on and on! iv done it through selling things on ebay, betting, and moving move from one card to another. so ok some would say iv not cleared 1k but iv moved £400 from my hsbc card (22.9%) to my…
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Third Party Debt Management??
Ive just been told by my bank that they'll take me to court unless I get third party debt management...what does that actually mean?
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Buchanan clark & wells??
they wrote to my boyf saying he owed money for a british gas account we dont have a british gas account we wrote to them stating this, we asked them where they got my boyf's name and address from this was not our debt. they wrote back saying they are prepared to reduce the debt by £10 if paid today 30/08/07 what do i do?…
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I'm gonna do this, even if it kills me...
Just wanted to say, that thanks to all of you that post on this site, you've given me the push I needed to sort my life out. I've managed to work out (for once in my life) exactly how much I spend each month, and do something drastic about how much I earn. I found it easier to write down everything I spend each day…
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Credit Report
I have just seen my credit report for the first time and I am a little confused as to what is on it. I have a 2 CCJ's listed (both are the same?) and both are with Northampton county court - the same amount, £375, the same case numbers etc. Then when I look into the Account info bit - I have my current bank account and…
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reducing credit limit
Not too sure if this should be on this board or the C/C one. I have two creditcards which I am desperately trying to pay off since I’ve had my LBM. I’ve been doing pretty well thanks to MSE. :j However, I am getting very frustrated that the creditcard companies are constantly increasing my credit limit without me asking…
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Primark Sale - Stuff for a £ - Think Christmas Pressies
Just a quick one, was in Primark the other day and they are having a massive sale - lots of things reduced to a £ - so as a lot of people on the board have been thinking about Christmas this prompted me into action and snapped up a few goodies in there - I brought a few Kaftan's for a £ each should have been between £5 -…
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Can I improve my slight debts?
Hi, I earn around £1020 a month and live alone. I have a daughter who I pay for through Csa and the payment is based on the number of nights I have her and is the cheapest. This is my statement of affairs:- Smile current account (wage is paid in here then total amount of bills is transferred to my alliance and leicester…
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Help with debt
Hi, Just wondering if anyone could offer me any help, i seem to be in a bit of a mess!!! I have starting to miss payments on all sorts of utility bills and a store card with i have defaulted for 2 months now and it seems the money i have coming in does not cover the money i have going out and i seem to left with no money…
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his dad's debt!
hi i need advice my boyf got a letter in saying he owed £5000 to baclaycard, he's never had an acc with them. so we wrote back saying this was not his debt u must be mixed up with someone else! they wrote back and we found out its his dad's debt, (he's got the same initials) and they think my boyf is him. his dad dosent…
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help needed on debt thats not ours
I don't know if anyone can give me advice on this one? How can i deal with a debt that my ex partner seems to have managed to pass to me? Signed up for a car deal - we both signed paperwork - my name was second. Payments made from her account, car registered in her name. We split up a few years ago, apparently the car was…
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Our SOA - idea's please!!!!
Ok here goes…..takes deep breath :embarasse First a bit of background….there’s me, DH, DD1 aged 3 and DD2 aged 8 months. DH works full time and I’m at home with the little’uns. DH salary - £2040 (basic month no overtime or call-outs) Child benefit - £120.80 Tax Credits - £82.87 Total £2243.67 Mortgage - £588.30 Buildings…
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Save or pay off anything outstanding?
Hi In a bit of confusion what to do here.. We are getting married next year and have arranged most stuff already..honeymoon, photographer etc but i dont know whether to pay off things like honeymoon every month in lump sums or just put it in a savings account and earn a bit of interest. would there be much interest in…
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Cheap, but nice house warming gift?
Hi Guys! My cousin and her husband are just about to complete on their first house. She is expecting a house warming gift, and would expect it to be expensive :eek: . I don't have much spare cash and was wondering if anyone had any ideas for cheap, but nice presents. They currently live together and have recently got…
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Friend in need...
Hey guys, hope i am posting in the right place. My friend has recently just split with her other half and has left him. As a result she has 3 debts in her sole name which she is currently trying to pay off, but now she has left is strugglying to pay these on her own as she is currently on maternity leave. I have some of…
