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Help, council tax summons has come,what do I do?
Hi, I missed a payment on the council tax and I was misinformed by an advisor on the phone to Stoke on Trent City council. he advised me that as we were going to be moving this month anyway, to get a DD from from my local centre in town and that by completing this, it would give a month's grace, and as we were moving…
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Welcome Finance - Put in a defence, dont know what to write??
Hello, Not sure if im in the right place, I have received a court letter regarding some £6000 worth of debt from welcome finance. To cut a short story long, we had a car on HP, paid over the half way settlement figure, and wanted to hand the car back, voluntary hand the car back, and be left with no debt. Welcome said no…
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landmark celebration
not sure if this is correct place. But tomorrow will be our last payment on £2000 credit card bill. Its taken eight years, six without moneysavers (paying minimum only) two with moneysavers (swapping to 0% cards etc, and cutting them all up)we couln't have achieved it without this site so thank you martin and all…
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New mobile advice
I am looking at new mobile phones as my contract is up and I cannot stand my current phone. I have been doing extensive research on the internet and have found some good deals but it's just a question of which phone to choose. Do I go for a phone I really love which over 6 months would cost £239.95 and possibly an…
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Back for good!
Hi Peeps I have been missing for a while. Was diagnosed with chronic fatigue - an after effect of the stress of the last couple of years I think - and a bit depressed so I kind of retreated into my shell a little bit, but I am missing you all. Have wanted to come back for a while, but have been finding it hard to…
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Council Tax Arrears and Ballifs
So I decided to take the morning off to receive a parcel, the door bell rang and thinking it was parcel force I went down to collect my parcel and no parcel but I got the balliffs instead. Barnet council had passed over my details due to the fact that I had missed payments last year on the council tax... Now I know I had…
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what a mess- has anyone got any advice?
My finances are in a complete mess. Im £700 short of my monthly expenses per month. Ive done a sOA and tried to reduce everything I can. I have overspent in the past but for the last 3-4 years I have been living frugally with no luxuries whatsoever. The thing that is killing me is my debt repayments which are £1300 per…
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What are the chances?
I’ve just noticed the following anomaly on a loan agreement signed by my mother and late father. The signature box at the bottom has three lines as follows; Signature(s)_______________________ Customer(s)_______________________ Date_____________________________ The ‘Signature’ has been signed by my late father The…
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advice needed for old joint debt
I'm asking this on behalf of a friend who had a joint loan with her ex-husband, taken out in 2000 over a 5 year term, most of which was paid off when they split up. He took over paying the loan when they got divorced and told her it had been paid off - she's just discovered on looking at her CRFs that it's showing as being…
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This is to much help
I will be 60 this year my debt is due to the death of my husband. I suffer with dyslexia and I have found this to be one of the hardest challenges in my life please talk simply to me thank you. Quick rundown state of affaires * September 05 - Husband left marital home due to alcohol dependency and severe depression to move…
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Wescot
I have an old debt that I have been paying off with these people. I have asked for a copy of the CCA and am awaiting their reply. The debt is 8 years old now. Will they pursue me for ever and ever or will they eventually give up? I am loathe to speak with them...
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My first SOA
Hi, This is going to take me some time to finish - I guess my inability to complete it quickly is proving its usefulness though? :D Regular outgoings Rent: 630 Council Tax: 104 TV License: 11.75 BT: ? Internet : 18 Usenet : 6 Groceries : 200 Electricity : 21 Gas : ? Water : 21 Insurance : ? Entertainment : 300 Bicycle…
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IVA's and how do they work if you are married?
Hello! My DH and I have a lot of debt (I am embarrassed to say how much, but basically it is my fault as I lost my job a few years back after we just got married and being young and foolish we lived on credit cards, DH just has a tendancy to spend which with my help he is stopping!). I have taken some more control of the…
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New Home - Bailiffs
I have recently moved in to a new flat and I'm receiving loads of letters in previous tennants names. Recently, I have noticed that many of these letters are from Bailiffs and debt collection agencies. I have been returning these letters without opening them simply marking them as "Return to Sender - Person does not live…
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May - living on fresh air challenge...
As May is going to be a really difficult month financially, I thought I would keep a note of how much I spend... In April, I knew my account was running low, but didn't realise the mortgage would make me overdrawn (by £5). I have a very basic bank account with no overdraft facility. I can't get any other sort of account…
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pap/moozies what have you spent wednesday 7th may 2008?
Good morning all :j Another lovely sunny day down here, hope it stays that way :D Hope its nice where you are. So what have/will you spend today? remember try and keep it low :D Take care :A
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Wednesday 7/05/08 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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Company Secretary - Problem
Hello everyone, I just recieved a letter form HM Revenue and Customs saying as I was a company secretary of a Limited Company I am responsible for some 20k of unpaid tax! I am completely shocked. I am now living oveseas and have done for almost two years I have no intention of going back to the UK to fight this any ideas…
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Daily Chat Wed 7th May
Hi everybody, Weather is lovely today..gonna be another hot one I think:D hugs for anyone who needs one :grouphug: Off to Docs later,may be forced to go back to work this weekend:o we shall see speak to you all later xx
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How can I save
At the moment my husband and I are decorating our new home which is obviously taking up a lot of our time and money but we are nearing the end of it now so I would like to know if any of you have any ideas on how we can now start to rebuild our savings. I do not work at the moment but I am looking at getting back into work…
