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Martin's Blog entry - Mental Health and Debt
I'm not sure how many DFWs read Martin's blog or check out the threads in the MoneySaving And The Site section, but the most recent entry is probably of interest to many people here, even if only in a little way. The entire blog entry is here: Mental Health and Debt: True Bravery It includes the account of Martin meeting a…
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Reclaiming Bailliff Charges
Today I have had to pay a bailiff for an unpaid parking ticket, for which he charged 2200% in costs - yes you've read it right. I have read the threads on what bailliffs can and can't do but they clamped my husband's car and a pick-up truck arrived to take it away - so we had no choice but to pay it. Is there anything I…
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what is the average debt of you money savers?
can everyone tell me roughly what their total debt is?
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CCCS payplan CAB or nat.debtline
Which of these do you think gives the best advice?
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is this a viable idea????
:confused: here is an idea-im crap with money(obviously!!) and crapper with maths and decimal points etc!! i read back along that 2 million people have signed up to martins weekly email so that must mean around the same amount must be registered on this site(could be more could be less i know) so what…
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MBNA 5% Minimum Repayment. What to do?
Hi All, Before you read this, the matter has now been clarified so no need to panic! I have a credit card with MBNA (£2.8k balance). I've been paying it off slowly but surely for the past 12-18 mths (I'm not a very good card tart as I got knocked back once about a year ago and am scared to try again). Anyway, the minimum…
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advice please
hi can i have your thoughts please my oh has £5275 on halifax card the limit is £5250, so he is over the limit again despite not spending on it and paying £130 a month off it, the interest and over limit fees are just canceling the payments out. what are the chances of getting them to hold the interest for say six months…
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Debt Problems - Advise Reqd.
Hi All, I was out of job last year in Apr.2007, I had some savings with which I managed to pay my credit card bills and (1) loan repayment. I was planning on to do business with some friends who later turned out to be not interested and I was left in middle of no where. I had to find a job again, which I did by June 2007…
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How much debt do you have and when do you expect it to be paid by
I am looking for some inspiration have been trundling round this site for a while Im on a DMP and my debt is bad i was just wondering and enquiring about how much debt people have and how long they expect it will take them to pay it off.If you dont want to state debts thats fine but just how long do you think you will be…
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Complicated debt
A friend of mine has a complicated debt. This is the background. Her uncle died last year, and her grandmother asked her to arrange the funeral. which she did and signed for it. She could not claim the funeral payment from dss as she wasn't next of kin and she was given a form to send to her grandmother for her to sign.…
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DMP advice/experiences
I've worked my way through CCCS's Debt Remedy gadget on their website, and it tells me that I should consider a DMP. I don't want to get into the ins and outs of my income/SOA here just at the moment, but I would like some more information about DMPs. Financially, I'm in the position where I'm just squeaking by on a…
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£12960 to pay off in a year or add it to mortgage....
Hi all, I'm constantly thinking through my debts - have changed a lot in the last few years and it's all well under control and I have no desire to spend or get into debt ever again... However, I still have to pay off my past mistakes. So I know it's not ideal but I was thinking of paying off the last of my debts when I…
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First Direct Logistics + HFO got the wrong person!
I am looking for some help. My grandad received a card through the post from First Direct Logistics. Being elderly, he did not pay attention to the fact that it came with the post (2nd class franked). Seeing that that there was a freephone number, he called it. Two days later, in the mail, came an A4 letter from HBO. Name…
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Advice needed
Hi All, I have read this site on many occasions, but now i feel that i desperately need help and who better to advise me than you guys. Basically, in a nut shell, i have struggled with debt for many years. I am a homeowner with my fiance and am really feeling the strain. I have a £6,000 Alliance and Leicester loan which…
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My Balcony & The Council Invoice for £3.5K!
Background info: http://forums.moneysavingexpert.com/showthread.html?t=905079 Well i got home on Friday night and the contractors had completly ripped up my balcony (teh concrete slabs) and left polystyrene type slabs that sit under the concrete ones, which are filthy!!! My cats, as you can imagine, have dirty little paws,…
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Newbie here - hello
Hello everyone Just thought I would take this opportunity to introduce myself, I have been reading the site for about four weeks now and I have got to say it is absolutely brilliant, some posts are inspirational. Here’s my story, I guess it is fairly run of the mill. I have spent the last 7 years at university training to…
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Need to get organised.
Posted over the weekend that I had finally admited to OH the state of our finances and the amount of Debt we had. So we are in the process of setting a DMP with CCCS. The main issue i have at the moment as i am not a very organised person. I have a mountain of paperwork that i will need to sort out so I am going to use…
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Mortgage Holiday for account with arrears
I was wondering if anyone has managed to have a mortgage holiday for a few months when they have got arrears? In February we had court repossession papers for our secured loan, this has now gone to court and we have agreed to pay an extra £70 a month. So far we have been doing this. Whilst sorting out the secured loan, I…
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Bailiff trouble
Hi My friend owes £1200 council tax arrears and a Bailiff came round, she did not let them in and has rang the council to arrange repayment. On the bailff paper it says there is a distraint fee for £59, is this a legal charge?
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RBS claiming that an unsecured loan is secured
I am currently in a DMP with payplan and have RBS as one of my creditors. I hold a loan and a mortgage with RBS but the loan is unsecured and in my name where as the Mortgage is in the joint names of both me and my wife. I have been fighting for a while now to get them to remove the PPI from the loan as it is no use to me…
