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full and final settlement
I have received £4000 in a compensation settlement. I have debts amounting to £10,000, a website suggested offering a full and final settlement offer, has this worked for anyone?
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Need help, all out of ideas
Hello to you all, I am writing in here as I need some advice on what I should do with my debt situation. Over the last few years I have had alot of things gone wrong in my life and it's lead to me being in debt, and unitl recently I've been able to keep it all under control but now the situation has got out of hand and I…
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Some help with credit file
morning I have a CCJ coming off next month and i wanted to know how much of a impacked this will make on my credit file? Also since the start of 2008 i have had a few credit accounts. Mobile phone loans credit card etc All paid in time and never missed a payment. as i wanted to improve my credit limit Any info would be…
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£8K Self assessment bill from 5 years ago!
Hello all, Sorry if this is repeating previous posts, but I've had a nasty shock from the inland revenue, and figured this was the place to ask for advice. It's a bit of a tale I'm afraid. Back in Feb 2003 I was working PAYE, but only 4 days a week, so to fill the hole in my income I did some self-employed work for the…
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harrassment by hfo
looking for advice on how to contact HFO debt collection. we are a small business and they are on the tail of one of my employees. They continually call demanding to talk to him (he is rarely in office as he is a field worker). it is wasting our time, we come in on monday and they have called at the weekend and left…
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Interesting Read Regarding statute barred debts....
A man who did not pay his mortgage for 15 years has been told by a judge he can keep the house and will never have to repay the debt. Djabar Babai took out a loan on the house in Heaton Mersey, Stockport, in 1989, but has not repaid anything since January 1993 - a £40 payment. But because NatWest Bank took more than 12…
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not on my credit file
Hi, Im a bit confused. In 1999 i got a morgan stanley credit card which I maxed out to £2200. since then i ignored the debt which cabbot financial was chasing me for ( which I know was silly) and in the last few monthes a company called fire called me regarding this. I have been paying it off for a while now. its down to…
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pap/mozzies what have/will you spend 25th aug ~ bank holiday!!
Morning all, hope you are all well and having a nice bank holiday, sorry to all of those who still have to work :o Whatever you are up to I hope you are having fun. Remember if you need to spend try and 'keep it low' and report back here. ~~~~~~~~ Today I am staying home so 'should' spend nothing. However I need a pizza…
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help re gambling & alcohol addiction
I have taken the liberty of posting a link to another thread I have in the families section http://forums.moneysavingexpert.com/showthread.html?t=1114829 re my fathers gambling & alcohol addiction. I know this isn't tehnically the correct thread for it but I have found so much support in the past from this board that I…
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Monday 25/08/08 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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**Daily Chat Thread*25th Aug 08**
I thought we might at least have had Bank Holiday Monday off!! but it appears not! More painting for me (and Spud it would appear). DD2 is moaning that her room needs doing now! so I will be popping in and out to see how you lot are getting on.......:rotfl: then I will be watching come dine with me at 5.30! Monday Mel!e -…
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NewDebtDiary-same old story
Hey, im 23 about to pop out a baby any day now! Been reading the forum for past couple of weeks trying to use what i can to help me and husband be debt free and get a deposit together. He has a great job i was a student but now im bout to have baby so im nothing really!:o anyway we dont really have any out going except…
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Optimum Prepaid Mastercard
Hi everyone. This is my first post! Can anyone give me any advice please? I opened an Optimum Prepaid Mastercard at the beginning of August to transfer money to each month as I am trying to reduce my £2000 overdraft with another bank. I was thinking of getting my wages and disability benefits paid into the Optimum Card and…
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Everythings going backwards!
I am doing loads to earn extra cash, but its not even helping shift the debt, ever get that feeling you are keeping your head just above water but slowly slipping! Any tips to help me brake this vicious circle, I've done all the obvious, intrest free cards and what not, I live as cheap a life as possible, but still I seem…
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Credit Card charges help!
Hello all, I made a claim on my MBNA credit card about 10-12 months ago and accepted an offer of £250 which was half of the total amount. I may sound greedy but what happens if I try to claim again? Times have got very hard (I have taken a pay cut) and am finding it very difficult to make ends meet, I may have to…
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A new me for a better future- MM's debt diary 2!!
Hi All, Well the time has come to post a new SOA. Things have gone from bad to worst in the last few months as I have moved within the company that I work for so I no longer earn any bonus. (Which has reduced our incomings by 300 to 400 pounds per month). Currently looking for a new job and I have just sent off letters to…
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My SOA - Suggestions Please!
Monthly Income Details Monthly income after tax................ 1420.9 Partners monthly income after tax....... 0 Benefits................................ 0 Other income............................ 0 Total monthly income.................... 1420.9 Monthly Expense Details Mortgage................................ 0 Secured…
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do i just let them take everything
Hi guys, im in a financial mess and need some advice, im now currently 22 and lived on my own since 16, firstly in supported living, then into my own place, when i got work i didnt prioritise my bills and now ive been unemployed for 2 years due tounforseen circumstances, so i live off benefits which is frustrating.…
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hsbc overdraft 29k on pre-final demand
hi please can someone advise. i have 72 k worth of debt on credit cards and loans and have a six week old baby. i work freelance but have no work at present due to baby but my hub brings home 2.5k per mth after tax. i have followed advice from thissite and have made temporray arrangements with my mortgage payments on to…
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IVA acceptance
Hi all, The computer ate my last post, so I will summerise below! I have over the last 3 months taken what is my dream job. However the cost of travelling has risen by over £300 a month, combined with the fact that I have taken a £200 a month pay cut has driven me over the edge. We were considering BR, but we like our…
