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Being chased for an old debt. Next stage, please advise.
Morning all. I posted a little while ago about receiving a letter from a DCA which was basically 'fishing' for info. See: http://forums.moneysavingexpert.com/showthread.html?t=838213&highlight=Jeekah Well I have now received a follow up letter from them that gives a reference number an amount owing and who it is owed too,…
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Meeting new people with little or no money - Is it possible??
Hi Guys.... I'm BACK!!!!!!!!!!!!!! :rotfl: I was a regular here until about 2/3 months ago. I needed a break to sort the rest of my life out. Which I have managed to do. SOA still looking good :D , work ok ;) , Personaly life = terrible :o :mad: So my question is: Does anyone have any idea's on where and how to met new…
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Want to have your say on bank charges? Volunteers urgently needed.
What’s this about? The result of the Office of Fair Trading and Banks' court case will be handed down on Thurs. See the Bank Charges News article for full details. The media interest in this is huge, and we are getting inundated with journalists wanting to interview reclaimers. By taking part in this, hopefully many others…
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freaking out...
hi all, been a while since i've logged on and i need to get back on track - I'm sure you guys are familiar with that bubbly feeling of fear in the pit of your stomach when it comes to money?? I have it big time today. I'm £1000 overdrawn, have £200 on my credit card, boyf is £200 overdrawn and has £700 on this credit card.…
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What if anything can i do
I have got myself into a complete mess with with lloyds tsb i had a payment plan of £50.00 a month and have missed 2 payments 1 in jan and 1 in march i have now had a letter from them stating i have a overdraft which is not authed and interest and charges are being applied daily so my account has gone from being £1062 over…
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Thank you everyone
Its seems strange that all I see at the moment is stories on the credit crunch and how much everyone is struggling yet I feel more in control and have more money than I've had in years. I'd love to say its all down to my actions but its not its down to you lot. Without you I'd be spending on my CC who have have upped the…
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This year's bank charges cause overdraft
Hi all Since January of this year, I've paid out £350 in bank charges. As you can all imagine, money is tight so I have to budget very carefully (and don't always get it right - who does?) Anyway, I got a bit close and so ended up overdrawn. Because I didn't have an overdraft facitily, the bank charged me £50 for the…
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Pap/Moozies what have/will you spend today ST GEORGES DAY
Good morning Happy St Georges Day:D No dragons to slay, so get out there & slay some debts instead:T Just 40p on a paper today for "free" DVD, luckily it's the last one today Hope you're feeling better today Pap ;) Have a great day everybody:j
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Wednesday 23/04/08 What small dfw things 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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DFW Daily Chat 23rd April
Hi. Hope I'm not treading on anyone's toes here starting this.....just wanted to wish everyone Happy St George's Day! Just about to hop in the shower and then get to work - a day full of Excel training (but does include a free lunch - very MSE). Anyway, I hope the sun shines for you all today.
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help!what do i do?
quite a few years ago i got myself into a right old mess with debt.i knuckled down and ive managed to pay most of it off,well,atleast i can see the light at the end of the tunnel.that was until i got a letter from a solicitor yesterday. about ten years ago i had my house re-possessed,anyway,for whatever reason i didnt pay…
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Getting on the right track
So after lots of reading here, and having a sort out of our house, I've decided to sell some stuff, which should hopefully clear at least 2 of my credit cards. So far, I've sold my Nintendo Wii for £175, and I have over 100 DVDs to sell on e-bay. Another thing I'm wanting to get rid of is OH's decks and mixer..He hasn't…
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Trying to clear my debt part two - Doing it this time!
Last summer or something I posted about wanting to clear my debts etc and got some good advice, mostly just saying don't worry and it's good you've recognised it etc, but I found that really helpful...Anyway I'm rambling. I think most the debt I owed then was to my boyfriend at the time. And a bit of overdraft. Anyway, cut…
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Has anyone had any experience with LCS?
Hi guys, Wondering if anyone has had any experience with this debt collection agency? I'll tell the story.... We received several letters from this company about 3 weeks ago, demanding £261 for an electricity bill run up on a property we moved out of a year ago. The address on the envelopes was incomplete, so they had been…
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Help with a default/cca
I hope i have posted in the right place but i need some help regarding a default on my credit record. Firstly I would like to say I am far from perfect we have a large amount of unsecured debt but we do meet all minimum payments on time without fail. We/I joined this site after realising that we were spending far more than…
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If you could close down one financial institution
If you could close down one financial institution which one would it be? Hopefully to be bought out by another one so it doesn't affect too many jobs... But thinking of the institutions as a person.....who would you like to have no more dealings with based on previous experiences? and of course the reason why.....anyone…
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Should I be worried?
Hi all, been reading a number of posts lately regarding statute barred debts etc and have a question I'm hoping somebody can advise on. 5 yrs and 9 months ago I left a job (working for a big corporation), but due to an error by my boss I was paid for the month after I left. However, I have never ackowledged that I have any…
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Nervous newbie
Hi, I've read some of the threads here and have decided to take the plunge and share my SOA. I'm staring to really depressed about my debt, but can see there's lots of support out there. So here goes.. Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1275 Other…
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In Big Trouble - Help, Advice Please...
Hi All, I am new to this forum and the UK, having moved here just a few weeks ago. I have carried over some debt from Ireland, where I was living before, and am in a bind. I have only just started working, and it is not yet paying fantastically well, but the loan issuer in Ireland has now lost patience and apparently sent…
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Pay day today and it wont last the mth
No real pt to this post as i dont think anyone can help me. But its pay day today and OH got his JSA as well. We've done a £50 food shop, which was well needed as we did our last one 2 weeks ago to make it stretch until today so house was really bare. Anyway, so did a food shop and put £30 petrol in. Just added the sums…
