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It's official, my insurance co won't pay ref oil leek OMG
I just can't believe it, after everything that has been done, my insurance company have decided 6 MONTHS after the event that they will not be covering the costs of the oil leak and subsequent contamination of mine and my neighbours land. I am absolutely devasasted and feel physically sick at the prospect of how much this…
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buying a house with adverse credit
Hello, I’m new here and I’m so fed up, to cut a long story short, when I was 18 I got myself into debt with my then boyfriend, we rented a flat and everything got out of control and he began seeing someone else and we split up, because I was an idiot everything was in my name (he was foreign and couldn’t seem to get credit…
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what have/will you spend 2nd november 2007?
Hope you guys dont mind me starting this thread. I couldnt find PAPs thread :o Anyway - I am hoping for an NSD. Whoo almost weekend :D I have checked the cupboards and we have everything in to make a chilli for tea tonight. But I might need some bread - unless i can ask the OH to get it, he is in my bad book atm, so he…
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Can I really live on £100
Please help! I have just checked my bank balance and i have £104 to live on untill the end of November. I am meeting with friends i havent seen for ages tonight, my brother is coming down on Sunday and will want us to all go out for dinner, plus i am going away next weekend with my partner for an awards ceremony for his…
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Newbie - thought I'd say hi
Just thought I would say "hi", My husband and I had our first ever meeting with Christians Against Poverty yesterday. Compared to some people we are not that much in debt - but to me it was horrible and I couldnt see a way out so I contacted CAP. We had had a bomb drop as just hours before our lodger handed in his key and…
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Good news for my DMP, bad news for my body
:j Morning everyone:j My boss phoned me this morning told me my new contract starts 1 st December (extra 40 hrs month, I'll be fulltime) plus next 4 months more overtime than I can possibly do......so I can chuck another £350 to my DMP, every month....Which I looked at snowball brings my plan down to 7yrs instead of 11:T…
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The way CC companies operate
Some quick background first. I had a heart attack last year and was off sick from work for quite a while. I religously contacted all CC companies and informed them, and asked for reduced payments (or preferably no payments !), only Egg were prepared to do this. Whilst off sick I did my best paying what I could, however…
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Feeling hopeless...
Hi, I had my LBM over a year ago and since then, have worked with Payplan who have been brilliant. We originally applied for an IVA, which we missed by just over 1%, and are now following a debt management plan. I left a job I loved for another one that earned more money, my DH has taken on additional work and we are so…
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Time flies like an arrow...
...but fruit flies like a banana.
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How Do You Avoid Embarassing Work Situations??????
Hi Im wondering if anyone has any tips on how to diplomatically sidestep the minefield of office collection etc?? Quite recently someone from another part of my department who i do not know personally and have no contact with professionally, got married, and while i wish her all the very best in her new life..... I have…
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Telogram Ltd/ HL Legal!!!!
Hi.. basic outline... I received a letter from Telogram Ltd saying I had a message waiting for me and to contact this number before a certain date... I threw away this letter as I could sense it looked dodgy a mile off. Only today (no more than 7 days later) I received a letter from H L Legal Solicitors saying that I have…
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Another wee request for advice.
Hiya everyone. I'm Ross and i am in Edinburgh. This is my first post and i aint afraid to say i am a wee bit scared at the thought of puttin my situation down in black and white. I have read loads of stuff on here before posting though so i know i have come to the right place. Can i start by thanking the young lady who…
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Daily Chat thread Friday (woo!) 2nd Nov
Morning all!! It's friday!!! wooooooooo! That means it's nearly the weekend... and you never know we may be able to have a friday/sat night party this week!!!! lol!! Plus it's just over 24 hours until I start my new job!!! eeeeeek! I can't wait!!! :D How's everyone else doing this morning?I think I'm getting a sore throat…
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Snowball calculator?
Hi Folks, Can anyone tell me how to find the snowball calculator?
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bank charges, can i get my money back?
hi, hsbc have just took £50 out of my acount today. they did send me a letter letting me know. the reason they charged me £50 was because i went over my overdraft limit by £30 on one day (which i transfered money into the day after to take that off) and the same again hapened a few days later when i went £20 over the…
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Mackenzie Hall
I have not heard anything from mackenzie hall for a fews weeks and there does not seem to be so much posted about them recently, I wonder what they are up to, Maybe they are being investigated, that would be nice. Marion
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In need of advice (am I allowed to do this)
Hi guys Recently graduated from university with a good degree in (ironically Accounting and Finance), two credit cards and the usual student loan etc. In need of some advice I recently started reading from the website and found lots of useful information but now my mind is in meltdown. So to try and make sense of it all I…
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Its time to come clean
Evening guys, i've decided that I need to take the bull by the horns and sort my life and money out. Its gone on for too long and been swept under the carpet. I currently owe: Virgin Card £5000 Egg Card £4000 Egg Loan £889 and i'm £1500 Overdrawn (£1670 limit) My SOA are as follows: Monthly Income: £890 Monthly…
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Money Boxes
Hi All, I have just had a debate (arguement) with my OH. He wanted to know why i have 7 (yes seven) money boxes scattered around my bedroom. SO i explained that they were to put my change in and he understood that but he couldnt understand why i spend ages (well i dont think it is ages but he does) sorting the coins out…
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IVA and Christmas...
In my IVA bumf it states that I may be able to take a payment holiday, which will be then added onto the term of the agreement. but it has to have a reasonable answer... would I be able to phone my IVA people asking them for a one month payment holiday, as Christmas is coming? As last year it all went on Credit and Store…
