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User names then and now????
Hi Peeps, I was just sat wondering why you chose the username you did? theres the obvious ones where people use there real names but I was thinking that I have had some fab/positive feedback of some people with really "sad/upset" names, as most people come here in despair and at there lowest , but after a few months on…
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Advice needed, i have a charging order
Hi all, I'm back again, and whilst i have been making every effort to work towards becoming debt free with the help of the CCCS, i have now recieved a charging order and date for a court appearance from the smallest creditor on my ledger. NAT WEST. i have recieved some advice, from the CCCS, most of it non commital, and am…
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Anyone help
Hello all Im looking to make my financial situation abit easier to cope with for the next 12 months or so. Im a student in full time education (27hrs / wk) newly self employed and employed (part time holidays) Im not elligible for ALG or EMA as I have a degree. Im in my 6th yr of study (3 yrs degree + 3 yrs to learn a…
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Don't Forget It Pays To Watch
dON'T forget the new series starts tonight channel 5 at 7.30pm:T:money::money:
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Disputing a debt with Sky?
My husband had a 12 month Sky subscription in his name which ended in about December last year. When we moved we couldn't have a Sky dish at the new property, so we contacted them and asked to cancel the subscription. All was fine, they offered to "keep our contract open" for 3 months just in case we decided to reinstate,…
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anyone any advice
Having 40k debt, reduced from 90k+ no mortgage as in rented house, due to business faliure not over spending, I did feel I was winning, now howeverthe cost of petrol has eaten all my 'spare' money. I have to drive across the county I live in for my job. I work for the council ok we get refunded milage. However when I…
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Dfw Walking Club
Hi peeps..........:j Well just thought seeing there was a running club I would start a walking club, for us that running is just that weeeeeee bit too much for.........so come on get your trainers on and we'll go a wee dander .I usually try to walk every day altho have been slipping recently......getting back on track…
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Changing phone numbers
Can anyone help.. would like to change phone number to stop the blooming credit cards from phoning me up at silly times - I'm with BT is there a way I can do this without being charged? It used to cost about £25 to change the number is this still the same? I've tried looking on BT's website but unable to find any info on…
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Welcome Finance?
I've posted this elsewhere but have got no reply, hopefull someone can advise. My CCA request was up from Welcome finance in June, I sent the default letter and stopped paying them. I've not heard anything since, Payplan put my payments to them on hold. They asked me on Monday to find out what is going on with Welcome as…
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Any andvise pls - baliffs tomorrow
My niece has just phone me in a panic - she has had a letter saying Baliffs will be coming tomorrow to seize for unpaid council tax - owes about £1300. She is at home mum with a 2 yr old- partner is self employed builder, with not much work at the moment, and is hopeless with money. She was asking me what they could take…
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Marston Group/Drakes
Hiya again!!! I had a motor offence for for £250 as i didnt pay it within a month it has been passed over to Marston group (formely Drakes) and the amount has gone up to £475, iv tried to set up a payment plan but they say a bailiff is due out so they can only accept the full amount and that i need to wait for the bailiff…
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MBNA - Urgent Advice Needed
MBNA - Urgent Advice Needed My partner has an MBNA card that he wishes he had never been given. It is no longer in use and he is just paying it off. He has been paying it off for some time now. MBNA have agreed a payment plan but they are STILL sending threatening letters even though he is meeting the monthly payments.…
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Help please!
Hi, haven't been here for ages but circumstances are worse, don't know what to do, our income doesn't cover the credit cards and loans so we have been paying minimum payments, tried cccs they didn't want to know as we have no spare income....we are upto date with priority debts just can't afford the others! I cannot show…
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My chances of an IVA???
Hiya, i need more advice!!! Whats the chances of getting an IVA on debt of around £7000, iv just lost my job and think this is the only other option as my debts have gone on for son long. Im 21 and a student so can only work part time! Whats my chances guys???? xx
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advice please
Although in a dmp untilhouse sale went through, Drydens went for CCJ and wanted a charging order, nationwide were told twice the house was sold subject to contract, on advice of my solicitor did not tell drydens as nothing was signed. tried to appeal to better nature to avoid ccj. Ha ha. My solicitor who gave advice free…
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I really could cry now!!!
This is the third time i've posted this thread now, and if it throws me out again i think the computer's going out of the window. Right i need some advice. i live with my parents, my boyfriend lives with his, he's under major pressure from them to move out, there's no way he can afford it on his own. I don't think i could…
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Overpaying NR loan to clear quickly!
Hi, long been reading, but first time posting. I have been looking at the mortgage free section and was more happy to learn you can overpay each month, and using the various spreadsheets inputting to visualise the savings was great!:o From this i have now starting to overpay my unsecured loan (this week!) but i am confused…
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Legal cover through home insurance or seperate, quick reply appreciated
Hi Guys, I am about to change my home insurance as part of my finance 'slimming'. It has the option of adding Legal cover (upto £50k I think) for an additional £20 for the year. I do want legal cover but don't know whether to include it with home insurance or is it available seperately for less?? Thanks for any advice.…
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Overpay car loan or invest in ISA?
Hopefully this is a no brainer for someone, but for me I simply cant work out the best way to go.... I took out a car loan 16 months ago Loan amount = £7000 I've currently paid 16 payments of £150 with 44 payment remaining. Balance is at £5314.18 with a settlement figure of £5396.65 Loan is a fixed 8.9% APR Intrest is…
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Personal debt - help required pls!
I owe the following: Barclays - £4.5K OD North Rock - £20K unsecured loan Virgin CC - £5K CC Halifax CC - £6K M&S CC - £6K Parents - £20K Also own a house worth about £220K with a £220K joint mortgage (purchased a year ago originally with £15K equity!!). Due to get married in a year and want to get money sorted ASAP. I…
