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Buying Neutral - anyone want to join me?
At the start of this month my car failed its MOT, making me more than £200 overdrawn. I haven't been OD for almost 2 years, so I was really annoyed. In order to get back into the black, I put loads of stuff on ebay straight away and made £179, and I've got more listed on there at the moment - I only have to sell one of my…
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How do you cope?!
Hi All As a fairly long term member I feel a bit stupid for getting worked up over this!? But how on earth does anyone ram it into their DH's/OH's head that you cant afford things in one offs, you need to save and not just opt for payment plans left right and centre!?:mad: I had thought i had worked pretty well on my dear…
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Free credit report
How do we get our free credit report without a card? I do not want to add any more information to a company that benefits through other peoples suffering. Also Does anyone know how to opt out of the banks terms and conditions, that allow them to pass this information on to credit agencies. We're blackmailed into having…
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egg debt help
hi my husband and i have managed to get ourselvesin 12k debt due to wedding 2 babies and expenses.we went to cab to get advice as we were struggling and using credit to pay off credit - stupid we now know as it all came to a head.after cab did our soa we were told we had basically nothing left to pay our 9 creditiors so we…
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advise plzz
hi guys a couple of years ago i bought a new car on finance, now due to ill health and un able to work I am struggling to pay, I ve been told since ive made more than half my payments I can just hand car back to finance company,, is this true tht would help me out of this hole at this moment ty fo any replies
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service charges on flat help please
Basically I just recieved a completely unannounced bill in regard to service charges. I dont have any money to pay this not even in installments and i dont know what to do. I live in a shared ownership property The paperwork says they can take me to court etc etc, and I have so many other bills (unsecured) that I'm paying…
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10K in Credit card balances
What would be the best way to get rid of this as easily as possible. Some of the balances or low rate 6.5% rate for life, Rest are normal egg and virgin rates. Its getting close to not being able to afford the 200pound a month minimum payments and wondered how best to get out of this mess. Any help would be greatfully…
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Questions!!
Ok, have decided to take matters in hand because living with this stress is not funny! Will sort SOA today sometime so you all can have a look and give me the benefit of your wisdom. Just a couple of quickies-I really dont want to go bankrupt as dont want to lose the house but what if cccs say its better than a dmp. Also,…
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My Diary by Monkeyintrouble SOA now included
Only just started looking on here yesterday and I am amazed at the great advice I've already been given so far. You all seem a great friendly bunch, many with similar problems to myself, some not as bad but sadly some a lot worse! I thought I would start a diary so if people are interested they can monitor my actions and…
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Wescot - An old Bank Debt
I received a letter from wescot about 3 weeks ago regarding an old bank account with abbey national bank.Wescot claim i owe £400.The bank account was closed by abbey years ago so i sent them a statute barred letter.Received a reply from wescot this morning saying that on their system a payment is showing of £40 made by…
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Looking for Advice Please
Please find below my SOA, I am unsure what else to do in terms of trimming things. We have no mobiles, no sky, don't really go out, and basically still find ourselves in a position...like many others I know.. of constantly robbing Peter to pay Paul. Somehow we are paying these minimums, usually by cutting back on…
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Saturday 20/09/08 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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Pap & Moozies what have/will you spend Sat 20th Sept???
Goooooooooooooood Morning:D today I am meeting a friend so a little money will be spent but I will try to keep it low. good luck:D
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Daily Chat**Saturday Sep 20th**
Morning DFW's! How is everyone today? I went to see Mamma Mia last night and loved it (even Pierce Brosnon's dodgy singing!) and then went to pick up DH from a leaving do for one of his good mates-was driving but still woke up feeling like I have a hangover despite NO ALCOHOL! What's that all about? lol Work for me…
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Am I the only person in the world awake?
Hello if theres anyone out there ................... I've been awake since 2am with many worries going through my head - after lying there looking at my eyelids and then realising that I wasn't looking at them anymore but was looking around the room/at my fan/at the clock I decided to get up - but feel like I am the only…
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What is going to happen next?
I have received two letters from a debt collection agency regarding £30 that they say I owe in ebay fees. I have not responded to them, and today I received a letter from a company called S C Leatham-Lock LL.B pre-litigation department. They say that they have reviewed a detailed history of my account and that they are…
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see a penny pick it up
wow - good on her!! from the bbc website here See a penny, pick it up By Tom Geoghegan BBC News Magazine In the present economic climate, the hard-pressed are counting their pennies. Teacher Kath Kelly found £117 in dropped cash on the streets of Bristol, during a year in which she lived off £1 a day. She shares her tips…
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A little advice for a newbie
Hi all, Im new on here and only just registered. I have finally admitted to myself that I am in a bit of a financial mess! I have written to all my creditors, ie; credit card companies and two personal loan companies. That was over six weeks ago, then again a couple of weeks later enclosing my cut up cards. I have had no…
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Retraining
Hi, I am currently doing a City & Guilds training course in Carpentry. The course fees are on credit card at the moment, thinking that once I start working [as chippy!] will be able to pay of debt. Any advice on best rates for cards loans etc... would I be eligible to a grant of some kind? MrG
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No light at the end of the tunnel!
I will post a full SOA when i can sit down to sort it but everything just seems so daunting right now. I have calculated around £35,000 of debt, 3 loans, numerous credit cards etc on top of a mortgage, 2 secured loans one with Nemo and 1 with welcome (I know!!!!) Going to sort a DMP but all i can think about is that we are…
