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Verging on depression!!!
Hi, i'm late 20's and living with my partner. I've just moved house and doubled the mortgage (borrowing, not payments - gone up from £490pcm to 750pcm) but thats not really the money problems with me. I pay £600pcm in to our joint account to cover the bills no matter what my financial situation is. This way my fiance does…
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I've been offered a new job!
He offered it to me there and then in the interview! I even managed to up his salary offer! That's an extra £200 per month for me :D
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Starting again...how?
Brief history: I've been bad with money for years :o and hid it from my H. We have now separated (still friends though) I now owe in the region of £38k :eek: Ex and I are just about to sell our house and i will get about £50k equity. I'm hoping to settle my debts for about 50% as the majority of my debt was fees and / or…
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I have an opinion that is slightly contraversial... I hope you can change it
It's to do with the credit crunch. I've been thinking that maybe the reason lenders have started to become VERY strict on who they lend money to is partly to do with everyone going and claiming back their bank charges and late payment charges and now, PPI. I hope I'm wrong, and I hope someone can put me straight (I don't…
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I think I've wasted my time and money for the last 12 months.
I signed up with the CCCS in Dec 06 when it came clear that I could no longer keep up payments on my credit cards and a loan I had. Before that date I had never missed a single payment to my creditors by robbing peter to pay paul but as soon as I realised that it was all going to come tumbling down on me I faced up and…
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Another CCA post sorry
hi all, i requested my CCA from 3 creditors on 22nd January, triton got RBS to send it. Moorcroft have requested it from M and S but havent received anything yet. and Marlin have asked sainsburys for it, havent got this yet either. am i right in thinking their time is close to running out??
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Pheonix Recoveries
hello. does anyone know the full address of pheonix recoveries.. debts keep being demanded from many collection companies but all reverse back to a company called pheonix
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Pheonix Recoveries
hello. does anyone know the full address of pheonix recoveries
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If in Scotland does a default remain for 5 or 6 years??
As above - Thanks :)
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Happy but Confused on Bingo Win
I've just had my first win on free bingo - Wohoo - of £25. The jackpot said £500 and I thought my heart was going to burst out of my chest when it said i've won, but it now it's saying I won £25 - which I promptly withdrew - and it doesn't say anyone else won as well. Does anyone have any ideas as to why it's gone from…
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Patchy987
How are you doing today? Not heard from you for a bit so hope you are OK. xx
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i WILL do it this time!!!.....my new diary.
hi everyone. i've been reading this forum for a long time now and everyone is so friendly and helpful. i recently joined up but have been having problems logging in, so i've had to make up new details. at the moment my debts are pretty manageable but i'm hoping to go to college in september and hope to be rid of them by…
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Lowell Finance??
Hi there I have been receiving letters from Lowell finance and had never heard of them. They were demanding £50. I have no idea what it was for but assumed it was for a store card I had in 2001 as this was the only form of credit I have ever had, although to my knowledge my store card had been paid off..(so long ago now)…
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On DMP and Barclaycard have increased my interest rate to 1%
Hi everyone, I'm on a DMP with Payplan and this morning I received a letter from Barclaycard telling me that they will increase the interest rate on my account to 1% from 8 Mar 08 and that they may increase the interest rates in 6 months time. Is this usual beahviour as my DMP as been pretty steady over these last 22…
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Unfair CCJ - PLEASE HELP
Hi, i wonder if any of you guys could perhaps help me out here, Basically my girlfriend had her windscreen repaired a year or so ago. She told the chap who fitted it that it was under her insurance (as she thought) and gave him the details and thought nothing more about it. She then received a letter demanding payment or…
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Paid online surveys - too good to be true?
Hey everyone. Just wondering if anyone else has given these get paid to do survey sites online, I give one a go today - Ciao. Getting started was easy, and I was pleased to see one survey offering £2 to complete, but was quickly disappointed to find I didn't qualify to take it. Fast forward another 20 odd surveys and I'd…
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My SOA... Help requried please!!!
Monthly Incomings: My salary = £792 Total =£792 Monthly Outgoings: Rent = £375 Council Tax =included in rent Gas=included in rent Electric=included in rent TV License= included in rent Phone=£18 (T-mobile contract fixed until june 2008) Food=£100 Total: £ 493 DEBTS: Lloyds Debit card = £3650 approx which i havent made a…
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Lots of questions! CCA and other stuff..
I have quite a lot of questions. I am trying to sort out my finances. I was wondering whether to make an appointment at a CAB or can I go about this myself? I will try and be a bit brief here: 2 x DCAs who havent complied with my requests for CCAs in the appropriate time - I have reported them to Trading Standards - heard…
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In credit on pay day?
Apologies if this has been covered somewhere but I didn't have a clue which keywords to use to make a search. I was genuinely shocked a couple of weeks ago to find a work colleague's salary is spent the day following pay day and the rest of the month her bank balance is overdrawn until next pay day.:eek: I loathe going…
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Lots of questions! CCA and other stuff..
I have quite a lot of questions. I am trying to sort out my finances. I was wondering whether to make an appointment at a CAB or can I go about this myself? I will try and be a bit brief here: 2 x DCAs who havent complied with my requests for CCAs in the appropriate time - I have reported them to Trading Standards - heard…
