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Thanks to you all
Hi Guys, I've not been on here for ages but I can't go without saying a massive thank you to all the people who helped me over the last 12 months. For me it is finally all over, I was officially discharged yesterday "yippee" with no dreaded IPA/IPO and even managed to keep my house. My sister god bless her has bought the…
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Is this even legal?
Hello Everyone Need help on this little matter. Got a call from my bank about an 2 hours ago. Obviously a call centre type chappy but none the less he said that he wanted to check on my progress of debt, how I got into it and blah blah blah. Strangely enough he then went into how I fall into a 2% bracket of people at said…
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Advice please
Hi We went to the CAB two years ago and they wrote to all our creditors offering a repayment offer. Most of the debts were passed to debt companies and we are now paying them different amoounts each month. What i want to know is how long do we continue to pay these debts the minimum payment (one debt is 14k we are paying…
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The Harrys debt-free diary
Having done our finances properly for the first in months, I have realised that our "cheap" holiday in Spain last month actually cost over £3000 taking us to a total of over £25,000 unsecured debt. I've lurked on and off meaning to start doing something about this for ages, but that's it now: my debt-free journey…
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Shocked!
Had an unexpected day off on Friday and decided to work out mine & OH's combined debt, using Snowball calculator. I was in for a big shock. Firstly, I worked out that we are actually £40,000 in debt:eek: . I had no idea it was this high!! However the nicer part was then working out a plan and realising that the entire…
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Really chuffed with myself!!
Hi All, Hope this doesn't sound like boasting but I'm so chuffed I just wanted to share it with someone. Was a bit bored yesterday so signed up for Blackpool Club Casino as it was giving a free £10 no deposit play. I really only did it for a bit of fun to pass some time. I doubled the £10 quite easily and went to look at…
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Consolidating Debt onto Mortgage-Are we doing the right thing????
Hi My Hubby and I have found ourselves with a lot of credit card debt - mostly due to rising bills etc. We have a mortgage of 37k which has jus come to the end of its deal, but cc debts of 18k. I think we should consolidate our debts and have looked into this at a cost of 900 pounds per month, all in. We currently pay 500…
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Query...need advice!!
Quick question...sort of..;) I have 3 charging orders against my property (since approx 2005) which i did not contest... my question is...if i did cca requests and the creditors concerned did not have the requiste documentation... 1. would the charging orders still stand ? 2. could i take action to remove them ? 3. what…
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todays savings
Walked to shop instead of taking car this morning Saved a bit of petrol, reduced my carbon footprint and did not spend too much as I had to carry it home Quite pleased:)
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massive debts no money
hi i have a debt crisis of over 25k of credit cards and unsecured loans which i am in no position any longer to pay. can anyone offer any help. i have monthly outgoings of £2700 in credit card payments loan repayments and general house hold bills and living expenses and £2200 coming in which does not cover it. I feel the…
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Shameful Money Grabbing M & S
Sorry guys, just need to vent : Had to whizz up to Brooklands our 'local' out of town Tesco & M&S site & was absolutely horrified to see that Marks & Spencer have already got C******** cards & wrapping paper out on front of store display :eek: :mad: :eek: How appallingly opportunistic / desperate & money grabbing is that ?…
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Where do I find the credit card repayment tool....
Hi all. Hope you can help me. About a year ago, I printed off something which I got from this website which was a tool allowing us to input our credit card and debt balances into a programme which worked out the best way to pay them off. I can't find it now - does anyone know where it is (or even what I'm going on about :p…
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Pap & Moozies what have/will you spend Sunday 7th September?
Goooooooooood Morning everyone:D Hoping for a nsd today have a great Sunday and keep it low:D
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mystery loan default
Hi there, my other half has checked his credit report and there's a default for an unsecured loan from Cabot Financial. We've had contact with these people, and sent all the letters as detailed on these sites. After more than 2 years they have failed to come up with any information about this debt - which we know nothing…
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How many in your household and what is your grocery budget?
I'm about to start a DMP and have really struggled to work out what we do/ should spend each month on grocerys. What would a reasonable budget be for 2 adults and 4 children (from 5 - 17)? Any ideas/ input would be greatly appreciated!
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Sunday 07/09/08. What small DFW things will you do 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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For those of you with children....
How do you cope? We're still very in debt, although working hard at it. We have 3 children between us who come first in everything. We budget in 30 a month in *entertainment* but it rarely goes on us going out together as a couple. My family live 5.5hours away. Mr Brassic's live 2 hours away and used to help out, but…
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DFW Meet up - London
I am baaaaaaaaaaaaack. Thought it would be a great idea to arrange a meet up sometime in London over the next few months. If it sounds like something you are interested in, please post a reply - and we can sort out the finer details. It feels a bit weird to be back, great seeing my family though & now I can take advantage…
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Credit Card Nightmare
Hi Wondering if anyone has any advice for me re my husband's credit card (TSB). - Ready for a long story? Having had the card for about 15 years he had never defaulted and always made payments on time with the result that his limit was £10,000 and he was pretty much maxed out on it. Last year he was late with payments a…
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removal of a ccj any help please
i have a ccj from 3 years ago i have 1 problem tho does this has this been served illegally as i never received a court summons:mad: and if it still stands is there any way to challange it as there was no summons received im confused :confused: any help would be great
