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7 year old debt
hi there, new to this so here goes.. I was contacted by letter over a credit card debt which is over7 years ago.. I rang the phone number thinking it was something else.. Anyway I was pressurised into a settlement for the money owed,, Since then I have heard of the 6 years Statute barred, question is can I still claim this…
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Interesting thoughts about spending as an 'addiction'
I know some of us see spending as an 'addiction', when we are happy, sad, bored, lonely, scared etc etc, we reach for the credit cards and see shopping as an 'escape' - I know I have done in the past. I was just having a look at Video Jug and found this section of clips about behavioural addiction (of any type, not just…
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CCCS Review
Hi there, this is my first time posting here ;) I've had a plan with the CCCS for 3 years. I was only earning about £900 a month until recently as I was studying, so my budget is extremely tight and the repayments were small (£70 a month towards a total £8000 debt). Luckily I always topped up with ebay and mystery…
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hi, newbie with a lot of questions
hi people, ive got alot of questions i need answering....... im in a bit of debt but im hopeless at paying things off or SAVING, i want to save for a house and get my girlfriend an engagement ring but im im no position to do either. i earn a decent wage and dont pay out a huge amount yet i still manage to be left with…
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Who to pay or not to pay?
I have a loan and 4 credit cards and up to now I've managed to get by, but they are creeping near the limit or got there so I'm now stuck. But (due to an inherited house), I'm struggling as I have to pay bills (Council Tax, insurance etc) on both the property I live in and the one I've inherited. Once the house is sold I…
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DMP - does it ruin your credit rating??
Sorry, suppose its a stupid question really, but as soon as you go down the route of a DMP is that your credit rating ruined? (Even though by definition, it is showing you are in a serious plan to 'manage your debt' as opposed to ignoring it)
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how long does it take for things to show as settled on credit report?
Hi all does anyone have any idea how long it takes for things to show as settled on your credit report, I cleared a bit of debt about 6 weeks ago but they are all still showing on my report even though an update was done fairly recently Are debt collection agents just slack at telling the likes of experian or is it up to…
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Disappointed With The CCCS.
I filled in all the necessary information for CCCS online and got my Debt Remedy. There were some areas which I disagreed with and I needed more help. Because 'phoning is difficult I emailed the CCCS three weeks ago, sent them a hard copy of my email two weeks ago and wrote to them a week ago. I've heard nothing and I'm…
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Please would someone answer?
hi please can some1 answer the following:- i want to pay my council tax off but the council have passed it onto the bailiffs as i havent been able to make payments. they are adamant that its with the bailiffs now and no payment plan can be made with them...should i talk to a manager there? or will they say the same thing?…
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Living with a hopeless spender.
My OH is hopeless with money.We both earn a decent amount for our standard of living but he fritters money away like there is no tomorrow.Since January when I had our second child I have been trying to sort our money and spending out.We are ok and have enough to pay everything, I just want us to be more sensible.He thinks…
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New Wannabe - my progress updates
Hi! I'm 23 and I've just calculated I owe £27,117.40. I have just moved into my first mortgaged home and so I'm suffering the effects of never having any spare cash. I've had my lightbulb moment and realise I need to do something about it so, heres my breakdown!... Income Salary £1505.76 after tax Extras £100 approx in…
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78rpm Records
This is my very first post so if it is wrong apologies and please move it! Has anyone any advice please on the best way to sell specialist things like 78rpm records or 'niche market' books. Is it still Amazon and/or ebay? Thanks.
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Debt Payment
My debts have been passed onto a collection company , they keep asking for full payment . But they have offered 75% reduction for full settlement . I am not in a position to at present ,but I,m hoping for a compansation payment soon. Should i offer 50% ?
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Do you pay for a bank account?
I have a £450 overdraft at barclays. Unfortunately, this is not my main current account, and so to provide me with this facility (and a large number of others that i DON'T USE!!! - like travel insurance, mobile phone insurance) they charge me the princely sum of 12.50 PER MONTH! The interest on this overdraft is something…
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How to have a DFW Xmas
I know it's not even September yet but need to start planning forward. This will be our first Xmas DFW style. We have already cut back loads on Xmas pressies than what we used to spend, but want to cut back a bit more. We are really lucky as we don't have any food costs to worry about as we go to my parents for tea on Xmas…
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overpayment of salary, left employment
Hi, I hope someone can help. I was employed as a civil servant. I went on an unpaid career break for around 18 months and gave my date of return to work as 30 sept 2006, however i decided not to return so i left employment on that date. I have now recevied a letter stating Human resources did not inform Pay Section that i…
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The Demotivator Tool
This thread is specifically for discussing the new Fun Demotivator Tool 'The Demotivator' in the Stop Spending article. Questions and comments on the Stop Spending article itself can be made in this Stop Spending article discussion. To discuss the demotivator or ask a question: click reply
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£199 for loft iunsultation??
Hi Been quoted £199 for 10 inch of loft insultation. Apparantlky we have less than 1 inch today I spend a fortune on fuel - £138 a month including a bit of back-log, although there are 7 of us in 4 bed semi. I am desperate to save on fuel, and am changing suppliers and turning off lights, heating etc etc Will this be worth…
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G E Money & Debenhams
Has anyone had any dealings with htese company's? from out of the blue they are claiming I owe them money when the account was closed and paid in fuull in 2003
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Finally looked at my Debts -OMG
I have been reading the posts on this site for a few days and was finally inspired to take a long look at my finances. I have done the financial planner and will start on Friday (PAYDAY WOOHOO!!). As you can see from my signature I have huge debts - most of which nobody else knows about including my husband. Although I owe…
