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Advice needed re large debt and no income.
Hi, i am seeking some advise on behalf of my grandparents who have got approx. £24,000 in debt with one income coming in soon to be none due to ill health my grandad is no longer going to be able to work and they can see no way out of this situation. I have suggested that they go and speak to someone but dont know where to…
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third try at this debt free thingy - argh!
hey guys ok so this is my third try at changing financial habits but this time is different. This time I own my own house and I am dammed if i am going to lose it. Am really happy as have just managed to reduce home insurance from £47 a month to £19 a month by just phoning them and saying I was going to leave!! BT next on…
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Help Bailiff On Step Now
Ross and Roberts on step now. Had an arrangement to pay monthly. Have paid except sept and oct. Husband had a pay cut and had to rejig finances. Paid Nov. When arrangement set up they asked if anything of value. DH said only mobile, video and 400 american comics, they wrote it down and asked him to sign, then said it's a…
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Best cash for nothing from cashback sites?
Thought it may make for a good thread if we could list things we could click on for 'free trials' etc that wouldn't cost anything and could essentially add to the '£10' a day challenge. Besides daily clicks, here's the first one: Lovefilm - £15.50 cash back as a new user doing a 'dvd rental trial' through Quidco
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beneficial interest - bankruptcy
I am trying to find out the best way forward - my boyfriend has over £25K of debts, we have a flat, it was bought for £134K but I put down a deposit of £7K (although I said it was joint deposit) so our mortgage is for £127K. we are looking at various situations that may help and when discussing bankruptcy I ruled it out as…
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Help with partners debt
Back in March my partner got involved with one of the not so good debt management companies, previous to this I new nothing of how much he owed. We had a visit from one of their representatives and he agreed to pay them £900 over three months and they would sort it all out, now its nearly December and its still ongoing,…
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Advice for my friend
Hello there, My friend and her hubby are about to split up, they one a little boy aged 5. They are up to their eyes in debt, and my friend is worried incase she is going to lose her house. They are both working, but, my friend cannot pay all the debts on her own. There is no equity on their house (of if there is, it is…
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Day of days- clearing my debt!!!
Afternoon All ( stand by its a long one!!!!!!!!! ) Like most people, I have been lurking around here for months before finally deciding that I need to address my debt situation A bit about me and my friend debt, I am a very together person who like most on here stumbled into debt then ignore it by saying " everyone is in…
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Kevicho Update
Just wanted to post something as a record for future reference, and also if it gives anyone any ideas then cool. Current SOA Personal Phone - 15pm - o2 monthly contract Internet - 30pm - Zen internet - worth the money to me, as i use it a lot and there service and system rock. Work (all claimed as expenses) Travel 80-100 -…
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Need some debt help!
Hello, :) Need a bit of advice clearing £13K of debt. 3 cards, an overdraft and a loan for a car. Monthly income is £1700 family of 3. £3000 overdraft so never hit the black. £4000 on an MBNA card that has jumped from £50 to £90 a month £2500 on a Marbles card thats £55 £500 on a Barclays card which is £20 although…
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Be Careful with Shopping at....
Believe it or not I have been crying:eek: - with total frustration. On the 19th Nov I spent hours doing a large amout of my christmas shopping online at M & S. 17 items total £153 (including £10 discount on order and free postage :money:This is MSE afterall).I received one item a few days later. Waited in for 10 DAYS -…
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How do I correct my credit file?
I have just accessed my credit file with the free trial with credit expert and everything is fine except that HSBC have recorded me as makeing 9 late payments on my graduate loan which I absolutely did not do, those payments were always taken by DD from my HSBC current account on time and I even settled the loan early! Is…
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Beat The Bailiff
I watch this quite a lot on Sky and just wondered if it was true the way the bailiffs climb in through windows when people are not there. Are they really allowed to do this? Why isn't it breaking and entering (of if not breaking, then trespass)? What happens if you have a dog on the premises? What if it bites them?
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Daily Chat Thread Wednesday 28th November
Morning all! Hope everyone is well. I'm pleased to see that I have £72.80 payable in my quidco account now :D Not got much planned for today, just a bit of housework maybe.
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A&L - £10 for registering for Mobile Banking
Also posted this in the Current Account forum but thought there may be some interested bods here too. ==================================== Does anyone know if there are any hidden costs associated with this? £10 if you register before 31 Dec, free up to that date, and then 25p charges whenever you use it. Lets be honest, I…
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Help and advice needed! My debt!
Hi everyone Posted below is my income and outgoings per month: Can anyone offer any advice on cutting it or re-jigging it! Any advice is grateful and acknowledged. My debt is about £30k (Lloyds x 3, Egg and MBNA) and currently on a DMP with CCCS at £60 a month. I know at the rate its going it will take me for an ever and…
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SUB 10k TODAY IS A GOOD DAY!!!
:j OOh happy days we've FINALLY hit single figures *single thousands that is*:rotfl: I'm soooooo happy lol can you tell ???????:j :grin: :snow_laug _party_ :dance:
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What will you spend, Wednesday 28th November.
Morning all . Should be a NS Wednesday here:rolleyes: Hope everyone has a fantastic day:)
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Free Daily Cashback from sites - Q&A Board
SEE MARTIN'S GREAT ARTICLE ON CASHBACK SITES: http://www.moneysavingexpert.com/shopping/cashback-sites-comparison/ Hi all, After creating my 'Making £3 a day from cashback sites guide' I realised that perhaps those that have been e-mailed it and started to use it would like a Q&A page where we can all talk about the free…
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Which loan is the best for bad credit??
Hi there! :santa2: I'm pretty new to this website but already I am feeling the love!! :smileyhea Right, i'm ready to face my debts head on! Can anyone help with which way to turn next? Our joint debts are: £9400 :eek: _pale_ Loan £2200 Credit Card £6200 O/D £1000 Total monthly incoming - £2390 Total monthly outgoings -…
