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Help Bailiffs Coming
I moved in march and moved to a different council,( i get I.B and D.L.A. I have schitzophrenia and severe clinical depression) I was getting full housing benefit and council tax. and when i moved into the flat i am in now this council told me at first i was on full benefits, then after about 3 months the housing…
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I am in debt to my best friend
I owe £50 to my rent arrears, £380 to Christmas money, still, £150 on a computer debt, and a massive £500 on a jumpsuit for my son to do his Elvis impersonations, being sold to us by my best friend. :A . Altho, after Christmas, I will probably owe so much on chirstmas I won't have to worry so much about the jumpsuit.…
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which city do you reckon has the highest average debt?
i would guess London purely because its the high fast moving life and people want things there and then? any other ideas? Will
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Help/Advice Needed
Hi all I fell into debt trouble a few years ago and spent years trying to sort everything. This is all over 6/7 years ago and none of it is on my credit reports Today I received a letter from a company who seemed to have bought one of my old debts that I thought was written off as it isn't listed on my credit reports and I…
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IVA Reclaiming Charges - Cheeky?
Hi there Just a couple of questions.. 1. I am half way through a £35k IVA - am I able to claim charges, or if I did, would this just go straight back into the IVA anyway? 2. OH is doing his own DMP - can he reclaim? Don't want to annoy these companies who are currently working with us to get the debt down. *I have also…
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Telling the parents, and thanks.
Hi all, Firstly I have to say this site is a wonderful resource, I guess I’ve been a lurker for some time. I am ~29k in debt - two unsecured loans and two credit cards. For too long now I've hidden my debt from the people I am nearest and dearest to. It's not just the debt that gets me , it's the way I’ve been avoiding my…
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8k debt - want rid!
I’m sorry if I ramble on here but I want to get as much info in so that some money genius out there may offer some advice! My husband and I recently married and we both have individual debts. I have a loan which I am 2 years into and 2 years to go (at 6.7%), which I pay £95 a month on. I also have one credit card at £1000…
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8k - debt want rid
Hi I just posted on the loans page and they recommended the lovely people over here to help with my problem! Jere's my thread I’m sorry if I ramble on here but I want to get as much info in so that some money genius out there may offer some advice! My husband and I recently married and we both have individual debts. I have…
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signing over debt to husband
Hi All I'm desparate for some advice. I've already posted my SOA on here in a previous post but things have gone from bad to worse and my husband has run up more debt. I've got an appointment at the CAB to discuss, but I was wondering if anyone knows the answer to a couple of questions: 1. I have £24,000 debt in my name.…
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hello
Hi all Been here a few weeks but first time I've been brave enough to do a full post.:o Mine and the o/h debts have built up over the years. We both had good jobs when the kids were young but then life just seeme to go down hill. I can no longer work due to disability and o/h was made redundant from his job just before he…
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debt free lifestyle
Well I am in some debt but those debt mainly use for business start up and investment. I know some of you are shopaholics but before you buy something may be you should think yourself 10 reasons on why you should buy that. That way you may stop buying something you don't need. and stop using credit cards. Credit card is…
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Capquest debt letters - CCA-Help
Hello all, glad to see forums are back to normal again! :) As some of you may know, my gf has been having some troubles with CapQuest debt recovery from an old Argos account she forgot she had (£282.95 is the debt). I made a thread a while ago but it seems to have died a death so thought I would get a bit more info with…
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Quidco - reassurance needed
I am really starting to get into Quidco but I am still so cautious with the offers where you have to spend money. For example Gala Bingo, £30 cashback if I deposit £10, so obviously £20 to be made. At the back of mind I am paranoid as a DFW newbie that I will just lose the tenner and never get the £30. Can some of you…
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DMP + more credit
After some advice, but please all be nice, don't be that harsh with comments. Ok, so finally got my head out of the sand and for the past 3 mths have been doing a DMP on my own, with payplans advice. They can now take over (couldn't before as i had a sofa on a yr payment break and hadn't made any payments, so had 2 make 3…
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Sky + Intrum credit services V Me!!!
HELP!!!!!!!!!!!! I know I was wrong to tell Sky i wasnt paying the bill, however I have an on going problem with them. And they have now passed the account onto a debt collecting agency..... They story goes... I had Sky talk and braodband, however the modem that they sent was faulty, they started charging me from the day…
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Opinions about working kids paying Housekeeping needed!
We're having a bit of a discussion on this issue in our family at the moment and I'd love to get your thoughts on it. http://forums.moneysavingexpert.com/showthread.html?t=590399 Cheers lovelies! Love Jacks xxx :D
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Letter Template for the Bank?
I am abt to send to my bank, a details of Income and Expenditure, in the hope of reducing my re-payments. Is there a template for a letter to go with this, anyone know?? Many thanks!
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Argument with OH over saving VS spending
So to get debt free, I changed my lifestyle. As with so many other people on these boards it was hard to get the message across to other half, who wanted to get debt free too, but wasn't as immediately willing to face the debts full on. The initial urge to put money in savings accounts rather than paying off credit cards…
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Brtiannia Music and Film Club and Intrum Justitia
Hi Any advice on this would be great I have just received a letter from Intrum Justitia asking for almost £20 from an account passed on from Britannia who are now in administration. I don't owe Britannia anything, I think its been about a year since I ordered from them and now I get this letter threatening if I don't pay…
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Don't know what to do.
Hi, Not been here before but I wanted some advice. Myself and my husband got into a lot of debt when he was a student. For nearly two years we have had a joint IVA paying £550 pcm. We have managed to keep up to date with this but we have recently moved (because my parents were selling their house) which has meant that I…
