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Debtors trying to secure the debt on my home
Sory if the thread is mis-leading, but wondered if someone might have had the same experience.My husband and I split up 2 years and left me with some debts, have gradually paid of some of the debts have only 2 left, one of which they have accept a monthly payment and I never miss payment. The other one is the one I want…
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Beating Myself Up Today
Well folks I have beaten myself up today. Why? Read on... I bought a Car on HP via Black Horse in April 2006. I was carried along with the sway so much I must have been asleep. The garage told me of the 2 year warranty that came with it but I completely missed the point I was about to pay £800 plus interest for it for the…
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The psychology of spending...
Just confirms what most people know... http://www.cbc.ca/consumer/story/2008/02/08/spending.html
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Sunday 10/02/08 What small dfw thing have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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What to do?? Bankrupt or Not??
Hi all. I currently have about £20'000 worth of unsecured debt, all of which is with various debt collection agencies. I have one debt of about £950 which is a ccj which i pay £10 per month to, all the others i have not paid since last april and even before that i was just paying willy nilly. I've never stuck to no payment…
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help for my brother please
I have just found out that my brother is up to his eyes in debt (and has been for years) following a loan of £16,000 to a "mate" using cash advances on 4 credit cards. Unsurprisingly his mate's imminent inheritance payout didn't materialise and he disappeared leaving my brother to deal with the maxed out credit cards. In…
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Anyone want to join me!
I have just opened a bottle of wine (lidls 2.59) which i top up with lemonade :o My excuse is I am feeling so low today not just because i am hiding underneath a cloud of debt 30k ( do not want to post an SOA as apart from gas/electric(i am waiting for the green light from martin) i have cut it to the bone!! I am really…
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removing satisfied defaults
hi all, i have sorted all my finance's and paid off full and final settlement figures with the debt collection agencies. one of which removed the debt from my file completely another has just adjusted to say satisfied. when i agreed the figures over the phone it was agreed verbally that all the debt would be removed from…
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Spreadsheet Help?!?
I notice that there are a few spreadsheet apps floating about so that you can record and manage your finances better. I have tried downloading them but my computer will not run them as I do not have Excel. I do have mircrosoft works with spreadsheet facilities there. I am rubbish as these and just want some advice or…
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need some advice, pretty sick at the moment.
OK here goes. Years ago we was very naive and mounted up some credit card and bank loan debts :( We was young and reckless and lived for yesterday, not tomorrow. This was around 12 years ago and we have never denied our debt responsibilities but also couldn't pay them off as quickly as we had liked. We contacted CCS who…
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help needed! posting my soa again after burying head in sand for months!
ok here we go again! i have done this before months ago but freaked out :eek: and have buried head in sand since,:confused: im a coward and feel very silly but am hoping this time i can take the bull by the horns and deal with my problems and get back some control. i am sorry if people have tried to help me in the past and…
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23 working all hours, in debt & with an ill partner :(
Hi All, I haven't posted on here for a while...because in a nutshell...everything's gone wrong. Me and my fella moved in with my mum back in April 07 to help her pay the mortgage seeing as my dad decided to go and work abroad leaving her with 2 kids and a £720 a month mortgage to pay for. However, she has since made up…
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Do I have to send copies of my wage slips???
I have a debt with the Bradford & Bingley Building Society which an ex boyfriend left me with a number of years ago:mad: In order to agree a repayment plan they are demanding to see my wage slips other debt information and bank statements, basically everything relating to my financial life which I normally keep fairly…
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Confusing credit reports!
Hi there, I don't know if I'm in the right place for posting this question, but here goes! I have recently moved in with my boyfriend and want to update my details with credit expert. The problem is I have substantial loans/credit card debt and have been refused credit in the past and don't want this to impact on my…
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Help!!!
So, I am a single parent, recently divorced. Ex-husband left without taking his share of the debt! I've been struggling along but it's got to the point where everything is maxed out and I did the Budget Calculator and my outgoings are over £130 each week higher than my income. EEK! Was with my family yesterday and my…
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re posting in correct thread
Dunno where to put this hope its ok here so here goes finally admitting it i got into a lot of debt with provident and catalogues stupid me got more and more and then cudent pay the min payment back so got in touch with debt helpling and they wrote to them saying i could offer x.xx amount some agreed and some diddnt this…
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BCW and talktalk. CCA request?
Hi, I've just printed out a cca request letter for the [STRIKE]gits[/STRIKE] lovely people at BCW but wanted to double check one more time that this is the right thing to do? I did have an account with talktalk (since been cancelled) but I'm disputing this alleged debt. I am not disputing the fact that I was a customer. Is…
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credit after a DMP
So you go on a DMP pay all your creditors, then you need a new car, how do you go about getting credit for it, or is that the down side of a DMP no one will give you credit ??:confused: Sorry to sound soo stupid, I am just worrying about my debt, hopeful to have found a solution and now worry about the future when i am…
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Council Tax free months-what will you do with yours?
We have decided that even though we still have credit card debt (at 0%), we wouldn't feel as poor if we had even a small amount of savings, we have none, so we're going to put the council tax we would usually pay, £160 a month, into a savings account. Not much but it will make me feel good! What will you do with yours?
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Erm.....oopsy worked out how much we owe.
It's slightly more than we first thought, £43,000 actually:o . Give or take a few hundred pounds.:eek: So erm looks like I'll be here for a few years.:p There's always a brightside.;) Update re stuff, house is for sale, car will be for sale, trike will be for sale, most contents of house will be for sale. Ebay here I…
