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Notice to people trying to disrupt this board
We regularly get pm's/emails from people on the verge of suicide because of their debts. We tell them there's always a way out and point them to Martin's debt help article and the amazing support of the community using the Debt Free Wannabe board. Many of these people have reached that point through no fault of their own…
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Can a Judge refuse to CCJ you???
The reason I ask the above question is this; almost 5 years ago my husband had to default his HSBC loan. So HSBC passed it over to their own in house collections MCS. They agreed a repayment had it in writing, he has paid via standing order never missing a payment. Then a few months ago, they sold the debt to CL Finance?…
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pap/moozies weekly challenge w/c 1st June 08
Welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each day post on the daily spends thread and add them all up ready to post the…
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Saturday 31/05/08 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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Positive thinking for June - what are you going to do?
This thread in May really got me to think about what I needed to do, and for the most part, I succeeded. So, I sat down and decided I need to up my focus a bit more for June and I will be aiming to: * Start tidying my house, doing the flylady way of tidying up * Do a car boot sale at the end of the month * Raise £100 from…
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Pap/Moozies what have/will you spend Saturday 31st May?
Good Evening :eek: I couldn't find todays thread, so hoping you haven't all had the urge to spend madly & don't want to 'fess up!!:rotfl: Today due to no sleep for 2 nights, one neighbour induced the other overtiredness due to said neighbour waking me the night before:mad: , I have hardly done anything, so it has been a…
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Long time since I gave an update
Hi All Its been a long long time since I did an update and after an few eyeopeners today I though it may be an idea for me to do one. As you can see from my tag line , I had heavy debts ( I need to update these at somepoint as the figure is nearer to 30k now) Today I found a bank statement from 2 years ago and thought it…
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Debt after death - 3.5 years on?
Hi Just wondering about the length of time before a debt is written off after death. My husband passed away unexpectedly 3.5 years ago leaving me with a 9 month old baby. He also left three debts which although were in his name the monthly direct debits were coming out of our joint account. I was always under the…
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PARTAAAAAAAAAAY anyone?
I have lambrini... anyone joining me? Shall we have a theme??
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Just joined up and open to any advice.
Hello. Just joined up here today. Been meaning to for quite a while now. Myself and my wife are currently on a DMP with CCCS. Our combined debts are round about 30k! I work 5 to 6 days a week with my wife working 2 days. We have been on the DMP for about 6 months now. Got 2 kids both under 5 and a flat with mortgage worth…
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TalkTalk Debt
Hi Im sorry if I am posting this in the wrong section, please feel free to move it to the correct section. I was wondering if anyone could give me some advice, Around November last year I started receiving TalkTalk phone bills to my address but not in my name nor anyone who lives at my address, I though nothing of it the…
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Arrgghhhh - Newly in Debt!
Normally, if I overspend one month then I just rectify it the next but that’s going to be extremely difficult to do now I’ve suddenly had three debts landed on me that I’ll need to repay at the same time as clearing an overspend. One debt is a tax credits overpayment of £530 odd that I'm going to write to them about (I…
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Automated debt calls ...... "have your say" BBC
http://news.bbc.co.uk/1/hi/programmes/moneybox/7428525.stm have your say ! if your interested :D
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Which company do I pay?
Hi, I have recently received a letter from a debt recovery company(a) about a debt I had years ago, on behave of the original company(b). They are now asking for around £400. I have sorted through my old letters with the original company(b) this debt was with and I only owed them £80. Why I didn't finish paying them I…
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help me plz? how to catch up?
At the moment i am in a small debt crisis, Basicly i have a few bills overdue, (Gas, Water, Electric T/Phone and c/tax), i am trying to catch up these by paying weekly when i get paid but by doing this i am spending more than i earn. what is the best way to do this as with these upto date i will be out of my crisis. my…
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Debt interest
Hi, Can anyone help with this dilemma: My boyfriend was in £20,000 worth of debt to 3 credit cards company. However over 3 years and with the help of Payplan, he got an agreement with the banks to freeze the interest and the debt is now down to £12,000. Having been through all the stress of finding out about the debt (i…
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IVA or DMP?
I will start off by apologising for the title of this thread, as I know this subject has been covered (many times) before, but I would really appreciate some advice that is relevant to my situation at the moment. As some of you already know, my OH and I are planning to go our separate ways once we exchange and complete on…
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debt letter after 10 years
Hi, My wife has just received a letter from the DWP relating to a Job centre plus social fund loan of £220 which she has no memory off. She phoned them today but all the computers were down, but they say it relates to a payment she recieved before I knew her, when she was unemployed. The loan was taken in 1998. Now we…
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New Here - drowning in debts and desperate for advice!
Hi everyone Have been reading a few threads and it seems like there's lots of good advice out there for peoples debt problems so I thought I'd give it a go and post my situation up for someone to pick apart before I apply for an IVA! 1. My husband has his own business and I am a stay at home mum on no salary 2. We have…
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Easy ways to save (according to the Times website)
I've just been reading this on the timesonline site, about ways to save without noticing it. Thought some people might find it useful. I didn't know about the sweeping thing that banks do, that could be useful (if i wasn't overdrawn slightly at the end of the month).
