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Tales Of Woe Wanted!
Just checked my bank statement and October was a serious overspend month. :eek: I knew it would be but was sort of putting off adding up the damage. Its definitely eek, eek and eek. Now I'm experiencing that horrible crashing down to earth 'd'oh!' feeling. In case anyones interested it was the deadly combo of sons birthday…
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New Start, Help Please
Hi, i've just joined today. It's good to see i'm not the only one who's gotten a little out of their depth financially. The short (ish!) story is; Was a single mum for several years, had a loan for about £1500 from black horse and one for 1200 from welcome finance. Also had a credit card years ago in my mis spent youth.…
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£20,000 Joint Loan Debt
My ex husband persuaded me to take out a £20,000 joint loan with him, in order for him to pay off all his existing debts. One month later he walked out on me leaving me with two young children. We are now divorced and I went to see a solicitor and managed to get the family house put into my name, and taken off the loan. He…
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Please help!
hello there! I am not new but have registered under a different name for reasons that may become apparent (although i havent posted here for a while). i am in the process of divorcing my spouse. unfortunately - we accrued debts of approx £30K throughout our marriage (lasted less than 4 years) but all of these are in my…
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Credit cards, banks
Hi, I have posted before, but as yet I am still struggling to face up to my situation and the reality of how bad my debts are. An interesting point I found out is that if you have debt on a Barclaycard and have a Barclays current account Barclaycard can without warning withdraw funds from your current account if you are…
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Todays' hug!
Morning everyone. According to the BBC this morning us adults don't get enough hugs a day. So I want to send out a big iffy threesome hug to everyone out there that needs one! :grouphug: Remember that we are all special and have come so far on our jounerys to become debt free, sometimes it's tough but we will all get…
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How much have we REALLY paid back?
Just wondered how much we had really paid our creditors, I mean we have our starting debt figures and then an update figure but we will have paid so much more than that with interest, then there are all the other purchases some of us have made during the year that could have gone on our debt but we have decided we need to…
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15 yr old credit card debt - can they make me pay it all back?
I cut up my old credit cards in 1992 as I became unemployed and the balance wasnt that high, maybe £2500 over two cards, I paid back @ £10 per month per card using a payment book for 8 years until 2000. Barclaycard stopped sending payment books and i rang and spoke to someone there and theysaid the debt was probably…
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Help needed for bank account crisis.
My partner had an overdraft of approx. £1000. She arranged a payment plan with the Halifax. I have just found out that she broke the payment and the bank offered her a loan to pay back the overdraft which she accepted. She then didn't keep up the repayments on the loan. A recovery agency are now saying that she owes £2800,…
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What will you spend, Tuesday 6th November.
Morning all . Should be a NS Tuesday. Will keep you - and myself - informed. Hope everyone has a fantastic day :)
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Improvements to my SOA?
Good morning everyone! I'm not in any serious debt issues, this is all under control. Was just wondering for opinions to maybe even improve it as I'd love to just feel debt free - the overdraft is from Uni mostly. I used to be terrible with cash and run out halfway through the month, but since moving in with my boyfriend,…
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Anyone used clickcashback and had stuff track yet?
Found the site the other day - clickcashback.co.uk (the .com gets you to a US site - not sure if its the same company or not), and it claims to work exactly the same way as Quidco - 100% cashback, £5 fee. I thought that the details on quite a few of their offers were very vague, no T&Cs or anything given, but gave it a go…
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Daily chat thread 6th November
Morning all.... :D :D:D:D:D:D
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Despite of everything had happened, I count my blessing ...........
Whenever I'm feeling down, these will keep me going ...... :beer: I woke up in the morning :beer: I have an loving and supportive hubby :beer: I have caring mother/parents-in-law and siblings :beer: I have helpful friends and neighbours :beer: I have an understanding and kind boss :beer: I found MSE/great forum…
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New Bank Account req. BAD credit history
Hiya Can someone please tell me the best banks to open a basic current account with if you have a reeeaaallly bad credit history. I'm with Smile but would like another independant one so that I can better sort my finances. However I'm in a DMP and my credit history is shot to threads. Thanks in advance for any suggestions.…
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£1000 overdrawn, rent due a week ago. HELP!
Hi all. I'm in a dire situation right now. My business has all but dried up. I'm self-employed and up sh*t creek. I should have seen this coming but I didn't. The bank won't extend my overdraft any more and I'm up to my ears in final demands. I'm very worried and can't sleep. I'm actually shaking. If there is anyone out…
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address needed for fredrickson international please
hi does anyone know of the address for "fredrickson international limited" the address i have is for a po box and im not sure if you can send a recorded delivery letter to a po address, any advice please thanx in advance
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What happens now?
I was served with a statutory demand in September from a creditor who I managed to get into debt to through someone else (long story) Anyway, this creditors solicitor has now said their client will withdraw the demand if I pay them £100 per month. After alot of working out finances and reading threads here, I have sent…
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ebayers inspire me please!!!
Hi all Ok am sitting here thinking of all the 'stuff' we have that I could sell.....thing is I look at it and think why would anyone want to buy that??:rotfl: Could I have some ebay hints / tips / inspirational stories to get me going please :o Thanks y'all
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Had my light bulb moment
It's be coming for a while but the 1st of this month, when I literally came within 10 minutes of missing my mortgage payment, and was only saved by a loan from my brother, was what did it. I've done the budget planner and it doesn't make good viewing, at the moment I've got a monthly decifit of apx £1500! The main reason…
