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Lucy's Amercia Trip Savings Fund and General Debt Busting!
:hello: Hi I have promised a friend in America I will going and see her next year for my first ever 2 week summer holiday. Which will be great as I haven't seen her in 3 years :eek: and never met her husband :o . But I think it will cost about £1000 min for flights and 2 weeks of spending money. But as I am in over £13,000…
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DMP nearly all set up!
I just wanted to say a BIG thank you to all of the members on this sight. Not only for the replies i have received but for also posting your own situations, past and present experiences and simply being an extra shoulder for when times get tough. I received a call after posting back all of our dmp paperwork back to…
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Here's my story! - SOA
Hi, I had my lightbulb moment about a month ago and since then my husband and I have really cut back and changed alot of our spending habits. However, I realise that if we want to get rid of our huge debt asap, we really need to look at everything in our finances and come up with a real action plan. Finding this board has…
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Advice required Please
Morning all, I have some questions on behalf of my brother, he doesn’t have access to a PC. Sorry if the queries are a bit basic, but I have no experience in this area. History - DB and wife have a mortgage of about £180K on a property worth approx £275K. DB was unexpectedly made redundant last year. He got a job 2 months…
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How to resist buying things...
There are a number of things that I would like to buy, but which I don't really need. Since I'm in debt I can't justify buying them. However, thanks to the internet I find myself looking for these things as cheap as possible, and in the process I think about them a lot and eventually end up buying them! Its not really…
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Can i reclaim charges while on DMP
Not sure if i have entered this on right forum but I was wanting to know if i can claim charges from credit cards, loans, PPI while on DMP. i am with a company called conkers for my bank charges but they refuse to take on credit cards and loans as i am on DMP. Is there any companies that would help me claim these charges…
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Sole Occupier Discount
Hi, I've been living on my own since Jan 2007 and I've just found out about the Sole Occupier Council Tax Discount, can the discount be backdated? Did anyone manage to backdate their discount? Any tips? I'm struggling financially and that would help me alot. Any other discounts I could benifit from? Thanks in advance.
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Pap/Moozies what have/will you spend wednesday 28th May?
morning all:hello: should be a nsd here. life not being kind to me atm: my brother is stealing my post and my hard-earned savings - not sure what to do:( anyhow, hope u all have a really wicked wednesday :)
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What? No Daily Chat?? 28/5/08
:j Happy Wed! What's everyone's plans de jour?? I'm off to Costco today with my friend Jacs, can't wait! Fill my new swanky freezer up!!!! :mad: :embarasse :shocked: :xmastree: :idea: :iloveyou: :happylove :bdaycake: Some random smilies for all x
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Daily thread: 28 May - Wet and horrible!
Morning all. Couldn't see a thread for today so figured I'd jump in and start one. How times change huh? Wet and horrible here in Glasgow - Summer has started then! Must try and concentrate and do some work today and not keep checking what you reprobates are up to... Later L73 x
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Need to find somewhere to live
Hi Well, things have finally come to a head and we have decided to go our separate ways. We have sold our house (STC) and the agent thinks we should be completing end of June/1st week in July. I need to find somewhere for me and the three kids to live, but have never been in this position before. Please can someone point…
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Wednesday 28/05/08 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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Paying Off Mortgage
Sorry if this is on the wrong board but... I was left monies after my mum sadly died last year. I rang my mortgage company for a settlement figure which they duly sent me and I in return sent off the cheque to pay off my mortgage. After sending them two further letters requesting deeds I rang today to be told that they had…
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Urgent Advice Required Please!!!!!!!
Firstly here is my SOA: Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1840 Partners monthly income after tax....... 0 Benefits................................ 345 Other income............................ 0 Total monthly income.................... 2185…
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Is an IVA really the best option?
Hi All, I have taken the first few steps to sorting out some very scary debts and have sought advice from two independent places, both suggesting that an IVA is the best option for me. However, reading through various threads, it appears that there may be other options :confused: . I am very confused and would really…
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Help! Catalogue charges.
Hello I'm a newbie to this site, not sure if im posting in the right area! just need a bit of advise on catalogue charges... Silly me went through a phase of using littlewoods as i wasnt really earning enough- anyway i didnt buy much but late payment fees made everything add up so much. In Feb my partner helped me pay off…
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Defaulted account sold on, can it be 'defaulted' again?!
I have a long running dispute with Orange PCS over a mobile phone contract from 2002. I stopped paying because they, in my opinion, broke the terms of the contract, in their opinion they didn't. Anyway, in their eyes the amount owed was £144.33. Back in 2005/2006 I had a long running correspondence with them which suddenly…
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Could I get 'done' for Fraud?
I think I'm going to have to hold off from getting a Debt Management Plan (DMP) for a few months, as I read somewhere on here, that it is fraud to get credit when you know you cannot repay it. Last month, I got a new tesco Mastercard, as I got a 0% for 12 months. I got it thinking it would temporarily help my situation as…
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Acc defaulted - what happens next?
Hi Just looking for a bit of advice from anyone in the know Back in jan after seeking advce from cccs, we started making token payments on our debts as income dictated that we could afford no more. Had the usual array of phonecalls & managed to convey to almost everyone that we were doing the best we could and…
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CCA Request,step by step
Hi,I've applied for CCA's with 5 different companies,and so far have received not one CCA,had letters saying they are looking into it,but nothing more,what I need to know is what the exact steps are now? What do you do after the 12+2 days have passed,do you send them a letter,or do you bide your time?If so what happens…
