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I need to become a full-time MSE/DFW!
Well, as anyone who has read my random posts on the Money Savings Arms board will know, I've been having some serious problems with my job and with my OH's agreement I will be handing in my notice tomorrow. Bascially I need to restore my sanity ASAP! Anyway, the thing is I don't have anythiing new to go to which of course…
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phone calls re debt
Some time ago I read on here that you can request not to be contacted by phone or it was harassment - did I dream it? Hilary:confused:
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Oh boy - here we go!!
Hi all, I am very new to this, but have been reading some of the posts and have plucked up some courage to make a post. I have always had what I would call an excellent credit record, but 2 years ago I took out a huge (well huge for me) loan for a car. On top of this I also have a credit card which is near its limit. Well…
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Out of the lurking and into the light...
Hello lovely people I’ve been lurking for months (so I already know that you are lovely without having met you all formally!) and I’ve trying to pluck up the courage to take the jump. I’m just between jobs (literally – I finished one last week and start the next on Monday) so I have some time to get my head down and sort…
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dmp paperwork query
on the notification of dmp letter to creditors its says "my dmp is to begin ......" where you have to write the starting month. what month do i put? october?
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Ideas for no spent / low cost presents
Hi, I haven't been on this site for too long, but two weeks ago, when thinking about buying my OH a present for his birthday, it dawned on me that i caught the MSE bug! I thought I would buy him a watch, and then, in true MSE style, I started to think: does he need it? does he want it? can we afford it? ;) I had bit of a…
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Scared to tell anyone!!
I have been browsing here for a while and have been too embarrased to post so far but here goes... I'm 25 and approx £27k in debt. No-one knows the full extent of it as I'm too ashamed to admit what a mess I have gotten into. I cant see any way out of it sometimes and I'm terrified. I cant go bankrupt or enter into a DMP…
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tesco personal finance
Hello everyone please could someone help me as i am i trouble. in 2004 i was running a buisness and i had to close it due to huge losses of £46000. all the money was in personal loans and credit cards from every lender you can think of. i owned a house with no equity so i decided instead of going bankrupt to pay all the…
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Council Tax Debt
Are council tax debts ever written off? I lived in a rented property for approximately 2 years (2004-2006) and moved out of it about 2 years ago. Due to financial constraints I left it owing over £1000 in council tax debts and deliberately did not leave the landlord a forwarding address. I have been living at my current…
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PaP/Moozie's What will you spend/have you spent today Tuesday 9th September thread
:eek: no thread. I hope rog is out celebrating :j and thus 'forgot' to start the thread. So what have you spent today? Remember anything that involves chocolate doesnt count ;) Remember moozies motto ~ keep it low have a great evening all :D Another nsd here, the fact taht I have no money doesnt count does it :rotfl:
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Debt woes, help needed!
Hi all, I've been a lurker for years but this is my first post, so hello! Basically, i've got myself into a number of overdraft based debts and now i want to get rid of them and concentrate on one main bank account. My accounts sit like: Bank One - £-1200 in a student overdraft which i don't want to use, i want to get rid…
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Help needed, when should I start to panic?!?!
Hello I have been posting here for a few months and thanks to all your advice and support my OH and I were starting to get our finances in order. However my OH is now out of work and although he has a couple of interviews lined up we do not know when he will get a job. My salary just covers the direct debits and bills…
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HSBC- DG Solicitors
Hi, I have an agreement paying £30 a month to HSBC collections via DG Solicitors. The debt started as my then business overdraft was withdrawn by my midland bank manager in 1997. It left me with £10K owing to midland bank. Since that time I divorced and my financial divorce settlement stated that my wife was responsible…
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Friends credit report wrong, what next?
hi all hope you can help me help my friend, She has just checked her credit report and there are 5 files on there that are not hers, the dates of birth are wrong and different on all and the address is my friends old address for the times she hasnt even lived there. As a result she has 3 defaulted accounts and 1 has had 2…
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Another Question
Another question for everyone............???? After bills how much has everyone left to spend on groceries, petrol, haircuts & treats etc......... We usually have about £500 left but usually end up spending more any one else the same? Any tips on how to make this last????:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:…
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Another Question
Another question for everyone............???? After bills how much has everyone left to spend on groceries, petrol, haircuts & treats etc......... We usually have about £500 left but usually end up spending more any one else the same? Any tips on how to make this last????:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:…
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what should I do?
Hello Please could I ask for some assistance..... I have a mortgage of £78k with Nationwide fixed rate which runs out later this month. I also have debts: a halifax loan of £16k, a credit card which I am up to the maximum limit of £5.5k and finally I am in the red with my over draft another £3k. My parents out of the blue…
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What job do you do and what do you earn?
Ok very nosy question but I was surprised to learn on the news today that care workers earn so little - around £6.50 an hour and it just made me wonder what everyone earns and how my job compares: I am a receptionist/PA I work 37.5 Hours a week (Mon-Fri 8.30 till 5) I earn £15300.00 a year (£1020 per calendar month, or…
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CCCS DMP Review
First post so hello everyone! Have been on a DMP with the CCCS for three months now and they have just sent a letter asking for a review. Is this normal as I assumed it would be a year? Many thanks for the advice Rusty
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Have you put the heating on yet?
I'm starting to feel a bit chilly, but I'm doing my best not to put the heating on yet. I don't think I'm going to last past the end of the week, because my OH is in Singapore at the moment, so as soon as he arrives back he'll be heading for the thermostat! [threadbanner]box[/threadbanner]
