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Settlement figures for debt?
I've a debt owed to Abbey for an overdraft of 70.05. Its now gone to a debt collectors: Debt Managers Ltd. Is it worth me calling them and offering a settlement figure and if so how much? Thanks
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Order for Possession - 28th Nov - what happens?
Hi the house has been on market now for 6 months and still unsold with 6 months of mortgage arrears. Went to Court 2nd Nov and now have received an Order for Possession' for 28th November. I am told by the CAB that nothing will happen till after Christmas but I dont understand what is likely to happen on the 28th Nov. If…
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credit card debts
I have been paying £100 per month to service approximately £12,000 credit card debt. In addition I had a Mortgage and a secured loan. I have recently sold my house and am now in a position to repay the credit cards. (The priority debts have already been repaid.) Can anyone suggest any way I could persuade the creditors to…
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Should I leave my IVA?
Hi all, I have been in an IVA for 2 years paying £300 a month on an 18k debt and this has worked perfectly fine for me up until now. I received the annual report along with some queries which have me concerned. Firstly, my only concern is that I keep my car (my £1,800 valued lifeline!), I took the IVA option believing…
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Eeeek last big mess!
Hi everyone, Ive taken on a 2nd job, Ive just about cleared all my little debts, just the odd bits & pieces now. Just Blackhorse are leaving me in a mess. (although its my own fault in the first place) Original Loan £2500 Payments to date £2128.42 These payments have been at a reduced rate of about £50 a month over 4…
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Is it just me? It's all I can think about!!
My debt that is.... Is anybody else like me? It's all I think about 24/7. I'm dreaming about it. It's doing my noggin' in to put it quite bluntly! I've finally got my debt and spending under contriol (with the help of a part time job and Payplan :j ) but I keep setting myself little challenges......can I pay this by that…
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Credit report questions
Hi there - Back for more advice! Have obtained my credit report from experian and a little confused :confused: It was as expected (not all that good) but one thing I wanted to query - some years ago I defaulted on a mobile phone (have notpaid this off, moved house etc, head in the sand) This shows as a defaukt ob my report…
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I'm back and feeling refreshed! The final push for debt-free-ness ...
Hello!!!! I've missed you!!!! :rotfl: Well, I said a couple of weeks, but a couple of days has been enough of a break. I've caught up with my housework and cleared my desk ready to study. I haven't been able to switch off from thinking about money though :o and have spent some money in the last few days. So, a few…
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Behind on rent - going to be evicted.
I have a friend who is behind on her rent and now has to go to court re eviction. She has 2 young children and is really struggling financially. She is in full time employment so is not entitled to any help. Can she be evicted or will they set up some payment plan? Has anyone been in this situation and can offer any…
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Falady's debt diary, How moneysaving can 3 cats be??
Hi all, Well, I had my lightbulb moment a couple of days ago, and have been formulating a (cunning) plan...... ;) I'm not sure how I can moneysave feeding 3 cats (one of which is very greedy!) as they won't eat anything except whiskas or felix or leftover fish and chicken. Any ideas welcome! My current situation is…
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Help Needed With Aktiv Capital
:mad: can any one help please. a few weeks ago i received a letter from these people saying i owed money so i followed advice and sent a letter back with a pound asking for a copy of agreement etc . i have now got a letter back saying in reponce to your request we are not the original creditor nor did we provide you with…
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Help Needed With Aktiv Capital
:mad: can any one help please. a few weeks ago i received a letter from these people saying i owed money so i followed advice and sent a letter back with a pound asking for a copy of agreement etc . i have now got a letter back saying in reponce to your request we are not the original creditor nor did we provide you with…
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Help !!!!!!
Thanks for that Squrrel 29, well i`m still a newbie to all of this, please bear with me.....ok regarding the £120 , this would be feeding both myself and my partner...for the month , with regards to the other stuff like the MOT costs, Repairs, Clothes ...i tend to try not to spend money on that for the moment just so i can…
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marriage problems
i have been married for 13 years to a really special woman,you could not wish to meet a nicer person in your whole life.we have two children aged 14 and 11 who are both great kids.i need to write this to get it off my chest,all the problems are down to me through gambling on the internet i have lost loads of money and i…
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10 year cycle of debt must stop
Right, this is it. Thoroughly fed up with myself. SOA Incomings Salary 1 £1130* Every 4 weeks Salary 2 £1160 £2290 Home Insurance £10 Car Insurance £30 Phone £22 Council Tax £106 G and E £78 Broadband £22 TV Licence £11 Mobile £50 Credit Card £100* should be at least this but have only been min pay £60 Argos £ depends*…
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Claim From Club For Non Attendance
Hi Everybody, Can anyone offer advice on the following? My daughter joined a Keep Fit Club last November but only went until February. She didn't tell them that she wouldn't be going again. The cost was £15 per week. Apparently, if she missed a session she still had to pay. She signed a contract with them but says she…
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Lidl Makes Me Happy
I just wanted to share that Lidl have 70% of most of their veg at the moment and its fab!!!! I don't work for them, I just love it! :D I am a keen budgeteer and have family coming over for a meal on Saturday, so with that in mind (and the need to buy wine in!) I devised my menu plan for the whole week including the…
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DFW starts at home!
Incomings My Salary £1,190.00 OH Salary £1,570.00 Benefits £ 120.00 Total £2,880.00 Outgoings Rent £ 342.20 Council Tax £ 150.00 Reducing 4/8 - £114 Gas £ 30.00 Card Meter - Electric £ 30.00 Card Meter Tv License £ 10.99 BT £ 43.00 Need to check as this is high for low usage and broadband Mobile £ 35.00 PAYG Mobile for…
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what have/will you spend wednesday 21st nov 07?
good morning all :D hope you are all well and enjoying your morning, just think all of you who have the weekend off you are half way through the week :T enjoy your day and i hope you 'keep it low' me i have phoned in sick at work, i still have no voice and i am not well, however i need to send mum out for some tissues and…
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Daily Chat thread Weds 21st November
Morning all! Happy weds! Can't believe it's the middle of the week already :eek::eek: :eek:
