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Aw I'm gutted!!!
Sorry, I'm just randomly posting because I'm just really disappointed. we're expecting baby number 4 and 20 one size reusable nappies came up on freecycle. Emailed a squick as possibly human to ask for them. Lady emailed back and said I was the first to get in touch and could I collect. YES YES YES lol! However,usual email…
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Rebuilding credit history
Was just reading Martins advice on how to rebuild your credit history and one way suggested is to get a credit card which you make a small purchase on and pay off every month on time. I know I will need to do something to repair my history as we have a bad past with lots of missed payments etc etc. My question is when do…
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past debts, no bank accounts and off the radar
Dear Forum, This is my first thread in the hope to finally clear my past debts and become a functioning member of society. In the year 2000 I got divorced and ended up with over £30.000-£40.000 in debt through mortgages, loans, credit cards and unpaid over drafts. I guess all round debt bombing. For the past 8 years I have…
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Limitations act
Hi, i stupidly took out a loan many years ago (1997) and and could not afford to carry on repayments. the debt accrued to over £11000. I've moved many times and had no contact from any collection agencies for well over 6 years until about a year ago. I told them i did not acknowledge the debt and have heard nothing…
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In trouble what are my options
This is incredibly embarassing but I suppose I am not the first. I am over my limit on my credit card by a hundred pounds and my current account is now over a hundred pounds over in unauthorised overdrafts. I have already been paid for this month and we have nothing go in now until 25th September. In the meantime we have…
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Big fat debts, is the CCCS the best way forward for me?
Hello all! I'm new to this site, and would really appreciate some help and advice concerning my own horrible debt problem... I currently have just over £45,000 in unsecured debts. This is spread over 3 loans (32K), 2 credit cards (4K), and a loan from my parents (9K) which helped to clear most of my high interest credit…
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SFx's DF Mung bean Nappy Knitting Thread
Well much to our Mr Flowers and I are expecting a new addition to our little clan Easter next year!! Well in true DF style - will save money on Alchyfrol, Tobacco, exotic holidays (well we weren't actually going on one but hey ho). The only thing that we will buy new is a car seat - having had two before, some ten years…
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Experian Credit Expert
Hi, ive just seen a advert to get a free credit check, and it only costs once the 30 day free trial is up, i applied, and it says i have to now wait for a pin to arrive through the post, now im worried that its going to take more then 30 days and then i will be charged?
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Repossession or not?
My girlfriend currently lives with her ex partner who contributes nothing towards the mortgage repayments, or the household bills. He is currently employed and although he doesnt earn a massive salary still has an income. He only lives in the house on a weekend as he works away during the week. The house is on a part buy…
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DMP -right to offset? MBNA/A&L
Hi All, Long term lurker here, about to do the DMP thing and take back control as my wife and I are in over our heads and are living a miserable hand-to-mouth existence despite a combined income of just under £70k. I'll give you the full details and SOA later, but the crux of our problems started when we got married, as we…
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HELP...Can cccs budget in tithes i pay my church???
i AM CURRENTLY IN ALOT OF DEBT AND AM CONSIDERING DOING THE DMP WITH CCCS OR GOIN BR....HOWEVER IM A MEMBER OF MY CHURCH AND I PAY TITHES REGULARLY (10% OF INCOME)....DOES ANYBODY HAVE ANY KNOWLEDGE OF THIS AT ALL...???...ANYBODY THANX LAURIE
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!!!!!! before CC company sells debt to DCA?
Hi guys On a DMP with CCCS and have been for almost 2 years. Today I have had a default notice from Capital One aasking me to cancel DMP or they will pass to DCA and full amount will become due?! Seems strange to me as I obviously cant afford to pay it all. anyway, they are actually one of my lowest balances, I only owe…
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Need some council tax advice
I really need some advice re my council tax - I've never posted on a forum before so please put me right if I'm doing things wrong here. Basically, for one reason or another I haven't paid any council tax for approx 6 years. I went back to live with my father who told me that the council tax was paid for his home. (I later…
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Booo I am having to sell my dolls house and Radley bag
Well after much scrimping and scraping and recalculating we are still £100 short this month and there are no more cutbacks I can make so it's dreaded ebay time and I'm going to have to put my beloved dolls house and Radley bag on. Hopefully a year from now I will be celebrating being debt free and the first thing I'm going…
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urgent advice needed please
I think this may be posted in the wrong place so apologies if it is and please feel free to move it. My daughter has just rung me up really upset, she has had a debt collector on the phone who was very agressive to her and very rude demanding payment for a debt from over 10 years ago, she hasnt paid anything on the debt…
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I really need some advice!!
Hi, I really need some advice! Right I am just going to lay it all out there... Firstly, I am always overdrawn (lately I have been over my agreed overdraft so am being charged quite a big fee) it is at the stage where I am paid so in credit for a while and then overdrawn again when I pay a set amount into my joint account…
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Forum beginner needs help getting started
Hello, This is my first of probably many posts. I am in quite bad debt approximately £35,000 plus I have a mortgage of approx. £75,000. Basically I have viewed the site and really like what I have seen, how supportive other members are and in general how good the advice is on the site. I really need some help getting…
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Can a house be repossed
because of unsecured loans and credit card debts?
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need your support and advice
This is my first time, and I am really in a confused state. My situation is that I am in debt to the tune of £96000 on credit cards.I told my wife last week and naturally she was and is very upset. I have spoken to CCCS/Payplan and National debtline.I need advice on the best way forward. One of major problems I have is the…
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Calling all SINGLE people...
Firstly sorry if this thread is in the wrong place but being a debt free wanabee I thought I’d start here. If you are a single person like me trying to pay off your debts, I could really use your advise: I have been single now for five years (there is nothing wrong with me – honest). I’m in no way desperate to find a man…
