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Being Debt Free
I've decided to remove my 'debt free since xxxx' signature. There was a poster on here a few days ago who was in a really bad situation, so bad that she even mentioned suicide. I posted a message of sympathy and support, but then felt that it was a little bit insensitive to have it followed with a message of "HEYYY!!! I…
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Fed up being in debt
Right I'm fed up being in debt and bloody worrying about it. I also have a child on the way and want ot be financially secure so I can support them (and save for them). My wife will be on maternity leave so we are loosing half a wage. On top of this I am totally renovating my house which is costing a fortune (I do…
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Hi everyone, newbie here
Hi everyone, i have finally took the plunge and joined this site. I have been looking at threads on here for a while now, and been trying to pay off my debts but i just dont have the motivation and give up after a month normally. I thought if i joined it might give me the motivation to get sorted. We are thinking of moving…
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does anyone know???
why in bancrupcy you are allowed money to go on holiday and not on an IVA? Is it due to the long term issues associated with going bancrupt?
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Im new... help!! lol
Hi Guys Well im 24 and i seem to have got myself into debt!! I did try and get myself out of it earlier in the year by borrowing some money from my mum, and clearing my debts, but i somehow ran them back up again. I now owe around £6k to my bank (loan and credit card) and £4k to my mum! :confused: Anyway, i have now got it…
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Interview with cccs
The nerves are shot the guy on the phone seemed ok its just one of those things I think. but what type of questions do they ask :confused: Regards P W
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what have/will you spend september 27th 2007?
I couldnt Find the thread - so I hope you dont mind me starting this one off? Well its a lovely day here in Sunny Wales, a bit chilly but the Autumn sun is out :) Dont forget to keep it low!! Today I expect to have a NSD - but are away for the weekend from tomorrow, so i am sure that could rapidly change as the day…
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6 months on and still a penny not a £ to my name
19th March 2007 LBM£5,969.63 27th September 2007 £4,197.81 (£175.23) of total debt paid last month after reductions for added debt. SOA October Income Income Support £236.60 Child Tax Credit £327.32 Child Benefit £120.80 Maintenance £100.00 Total £784.72 outgoings Electric £30.00 Gas £40.00 Phone +BB £26.53 (need to work…
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Where's SS gone?
I haven't seen him on here for a while and just checked and he was last here on the 19th sep........a week ago :eek: Where is you :confused: , hope all is ok :hello:
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Expert Advice Required!!
Hi I am really looking some advice from your past experiences on how to deal with this situation. I have recently returned from New Zealand and have come back to a few things being out of control. I had a loan with egg off around £4000 which is now with NCO Europe collection agency, also a capital one credit card which I…
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does this affect our credit?
I have my updated version of my credit file and there are searches on there i didnt say they could do.. 1 is with nationwide when i asked them to do it manually (for a debit card) but they never and it shows on my credit file.. and secondly shoppercheck (our local loan unsecured loan company like provident) they did a…
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Payplan experiences/advice
Hi there, After having to take a paycut and an ex not paying up I am now approx £400 short a month to meet all payments on a very very very basic budget consisting of living expenses and paying debts - this did not include any extras such as dental, opticians, social, etc etc. I now realise from research that I should…
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27.9.07 what small dfw thing will you do or have you done today?
Good Morning fellow DFW Peeps and welcome old timers and newbies alike :hello: Welcome to Thursday!!!!! :cool: When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym.…
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Advice needed - TV Licence
Last month I had to cancel 2 direct debits to avoid bank charges. They were my life insurance and tv licence. I reset them and both companies want double payments. However, I messed up on my mystery shopping. I forgot to submit my bank details for one company, and another 2 shops were past the cut off date with another…
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New Guy here with a Question about getting out of debt
My situation is I have been in the process of building my savings account up to $5000 by 1/15/08 and I have a $1339 credit Card balance. I was thinking should I continue to achieve my financial goal or should I just pay off the CC debt in full and set a new goal for the 15 of jan? My account now is in between the $2000 and…
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Provident
Please don't judge me on having to get a loan with this company, but last christmas i did. Then last week I urgently needed some money, so the only way to do this was to take another loan out with them. My agent said no problem but I was £123 in arrears and this would have to paid of with the loan I got and I would get the…
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Credit Repair Company Or can i DIY it?
I am currently attempting to get my credit back in shape ready for the the purchase of new property next year, and i sought the use of a credit repair company called "MERCRON CREDIT SERVICES LTD" i was wondering if any one had hearrd of the and could recommend them, as they do charge £68 and expect you to pickup the cost…
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DMP Set Up
Hi again Please forgive me for any errors with my postings(new as you will see), thanks for earlier advice re DMP. My next question is can anyone advise how long after consulting with CCCS it takes for a DMP to be set up. Thanks in advance mayz
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Today is my lightbulb moment!
Today is a great day as I've finally sat down and drawn a line. I don't like having debt and like everyone else I want rid of it. It is as simple as that. I feel a little silly posting this, but I'm so pleased that I've finally stopped thinking that over spending will sort itself out in the next month or the month after.…
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Money Saving Recipes
Just made Carrot and Coriander soup - cost about 20p per portion and yummy too. if anyone wants a recipe let me know xx
