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12 yea old debt... need advice please!
first of all... hope this is the right section, and hello! and appol's for the typo... 12 year old debt. out of the blue approx four months ago, i had a letter from a persons finding agency (whatever you would call it), and on contact, i was asked if id lived at a prevoius address, which i confirmed. they then passed me on…
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Chasing my Wife for my debt
Hello All I made myself Bankrupt early this year..Now the debt collectors are chasing my Wife for my debt because of a joint bank account overdraft..All the loans and credit cards were in my name but because I forgot to take my wifes name off the bank account before I went Bankrupt they are chasing my wife for the full…
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I Got Chat Tip Of The Week
Im so pleaseddddd i wanted to scream. I got it for my sealed pot challenge. Cant believe it, not been here a month and got something back woohoo!!! Thankyou so much (even tho some other member come up with the name of my challenge but cant remember who - but well done too ) Woohoo!!!
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Quick question - token payments....cash or cheque?
Hi all, I know this may seem like a silly question but here goes! I'm sending token payments to my creditors tomorrow...do i send cash (£1 coin) or cheque? :confused: Just worried about sending cash in the post. Thankyou! :beer:
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Is Your Nerd Number Between 730 and 750?
If so can you check it against the list please folks? When the site had technical difficulties I think we lost a few posts requesting numbers and my list was reverted to an old one so it's not accurate between 730 and 750. Ta very muchly. :)
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Some advice if I may
Evening guys:j I wondered if any of you kind members can give me any advice I joined a book club called books for children over 12 months ago I paid for the ones in the introductory offer then arrived another parcel. As I did not request the other books I phoned them and asked for a pre payment label to be sent to me. This…
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Whats been your best advice of the year?
Hi all, I just wondered what has been the best advice, tool, pointers, support that you have received from the most supportive, helpful and wonderful forum on the net (not biased me no :p ). I think mine this year has been getting into matched betting with helpful and endless patience from hypno and pania (thanks guys).…
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advice or help??
Is there such a thing as councilling or helpline to meeting u can go too, for example u are alcoholic they have fone numbers and meetings, us debt free people dont have anything, we just get depressed ... has anyone seen or know a group?????
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An odd phonecall from Lloydstsb. Very odd.
Had a call earlier from there collections dept. Spoke to a South African guy who was so polite i couldn't actually he was calling from Collections. Anyway he asked if i could pay any money towards my debt and i said i couldn't as i've already paid my money to CCCS. he was fine with this and noted it on my account. He then…
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Mystery Shopper and surveys
Hi all. Just been reading some posts and i've noticed a lot of people mention some ways to up your income. How do you find out about mystery shoppers and stuff like that??:confused: :confused:
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DFW Birmingham Meet POLL
Ok, here's the Poll which BTW is of course by no means exhaustive.:beer: We have some ideas for the day in the other thread so lets vote for them here. I like a drink of course but for me the objective and aim is above anything else, to meet everyone who comes along and finally get to say thank you to everyone, have a good…
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Please Can Anyone Help ME!!
I am current a student and I have a large debt to pay off the problem I have is:- When I was 17 I banked with Barclays I had a student bank account with little overdraft limit by the time I had finished my college education the bank had increased my overdraft to £4,000. When reading Barclays policey on student lending they…
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SOA, sorry if it's confusing.
Right here I go, I posted last night and had some lovely replies, thank you.... SOA as promised, this will be written sort of how my budget book is, i'm sure you will all have some ideas how i can change it. Income. Weekly - £144 Fortnightly - £175 Fortnightly - £220 Monthly - £120 Outgoings. (Monthly) Rent - £600 C/tax -…
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Cutting direct debits
Hiya Just thought i'd share this with you. When I started on here a while back I asked for help with a budget. I was given all sorts of ideas including dropping the gym membership (took me about 12 months to admit I could do this), only running one car (took even longer but have now been without my car for six months and…
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Back to 'Martin Lewis' Basics
Hi everyone, Just thought i would try a little experiment which it looks like the majority of you have already done. I am going back to the basics of saving money without changing lifestyle. What I mean is I'm going to look at each of the outgoings I have in turn and see if I can cut them down without having to change the…
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Make £10 A day DECEMBER Xmas Rush ( Take 4)
Hiya OK Take 4!!! CHRISTMAS IS ONLY 28 DAYS AWAY SO LETS GET GOING!!!! The aim of this challenge is to make £10 extra a day everyday for the month. A lot of people think this is impossible but this is some peoples third month and it can and has been done. This month people may want to only do half the month of only do half…
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Need a graduate loan!!
I want to borrow around £4000 over 5 years. I bank with NatWest and had one approved but when I sent off my paperwork they declined it becuase my job is on a temporary contract. I'm temp to perm; they're happy with me and want to make me permanent but there's a head-count freeze on over the whole company so they can't just…
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Need Help With Money!
Hi, i'm new onto here and i've found it very useful but i just wanted to know if anyone could help me out......... I earn £15,800 per year and at this very moment in time i have outstanding: £1000 Halifax Overdraft, £300 to previous Landlord, £300 to BT, £210 to family/friends, roughly £150-£180 in Bank Charges and not a…
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Full and Final Settlement percentages...
Hi All I am in a position to offer F&F settlements to all of my creditors - any ideas at what percentage of the outstanding balance I should start the ball rolling at ? Obvioulsy I want to save myself as much money as possible. If I start with a really low offer (40%) is it likely to annoy them and lead to them calling in…
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Sarah's Debt Diary
Hi I'm Sarah, and I'm in debt. I've been reading the posts of this forum for a while now and they are inspirational. I have been attempting to reduce my debts, I've been selling stuff on eBay, daily clicks etc, but also not stopped spending, my debt has gone up from £14k to £17k in the last 6 months. The spending needs to…
