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1 step forward 2 back
Hi, I don't want to put to much detail on here and just need to get things off my chest. We are coping with paying things at the moment, just. But sometimes we are getting charged by the bank because there isn't the money in at the time, mainly because we only just get money in but the direct debit is taken out early ( I…
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Debt Free by December 2009!
Hi All, I've been considering posting a "Debt Free Diary" on here for quite some time, so have decided to take the plunge and go for it. I think it will encourage me to keep at it and even if there aren't any readers or comments it will be somewhere for me to look back on my progress! As you can see from my signature I…
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Newb to MSE - Help please
Hi all, Looks like a great site to make a start into sorting out finances, below is my SOA, although I have a lot of blanks as im unsure how it works. Any constructive input vewy welcome. regards Alan Monthly Income Details Monthly income after tax................ 1280 Partners monthly income after tax....... 500…
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Not sure what to do.
I seem to have more money going out than I have coming in. All I can see is debts and I can not see a way out of it. My debts are not huge well one is but they do not start taking that back until I am in work. The other debt people are asking huge amount and do not seem to listen to reason. I am worried over this and not…
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weelky spends challenge ~ w/c 2nd November 2008
Good afternoon everyone :beer: . This challenge is open to anybody, no matter what financial place they are in. This challenge basically runs along side the daily spends thread where you post what you have spent daily. However you dont have to be in both to be involved in one. On this thread please post an amount of money…
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help!
I have been on a debt management plan for 5 years now with a non fee charger. In the past year ive lost my job through ill health, seen my realtionship breakdown and lost everything. In the past year I needed dental treatment which ended up costing £700! I couldnt afford to pay it as i was on a DMP and felt ashamed calling…
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a little bit confussed on a saturday night
the thing is my oh got round to sending letters of to different companies asking for to see his cca but we had only 3 letters one with it, another saying can't find it so account is on hold ;) and another saying that the money that is owes is not his (:confused: ). the thing is i thought they may have thought its not his…
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Am I being tight considering giving these gifts?
My parents are travelling to see me for a few days tomorrow. I have a couple of Christmas presents I can wrap for them to take back home with them for family members where they live (saves on the postage). However, I have the chance to cross off another couple of people (it would be my Mum and one of my sisters) if I give…
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Snowball Calculator
Hi all! Anyone else having trouble logging onto the snowball calculator at www.whatsthecost.com ? Been trying to log on but an error message keeps coming up! Thanks in Advance!
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Afraid but trying to have guts.......
Been lurking these past couple of weeks, you know the script........demented......not knowing what to do for the best, so.......here I am at last. My story is this..........I have approx. £10,OOO worth of unsecured debts........mostly mail order catalogues, one unsecured loan, previous address utilities and huge arrears on…
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Fed up - a rant!
I just need to rant, I'm completely fed up! I'm single, I'm 21, I'm working, you'd think I should be having fun now and then. This month after paying everything off (except for around £20 of phone bill and my council tax) I am left with £110. I haven't bought my food for the month yet and I haven't paid my council tax at…
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Need Advice re Current DMP and new Court Judgement
Basically we have been paying all of our debts up on a monthly DMP that was worked out with CCCS about 2 years ago. We are just aboutsticking with this though are having difficulties with Mortgage this month. Anyway, my husband has had a works van that was hired and we had it for about 5 years. Earlier this year they…
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"You're not the main person on the account" grrrr
I'm a SAHM, DH works full time plus some extra hours. Because he works long hours, I now take care of the finances and household things. I am running into a brick wall. We've made decisions to do things (such as cancelling PPI's) and changing direct debit amounts and such, plus we've moved recently and I'm trying to make…
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I keep doing it wrong
Hiya, i keep messing this up ive just got paid yesterday and i cant figure out what needs paying and what dont a SOA doesnt help me much as are bills are managed through a differnet account but i dont knnw how to organise it ......... i make lists and lists before payday but come the actualy day everymonth i cant organise…
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Urgent Help required regarding savings and debts
Hi All I am having a bit of a dillema. I woke up this morning to a water bill for over £100 which requires immediate payment. Im already £850 into my £1500 overdraft and only got paid on 25th Oct. It seems that now im into my overdraft by that much that it makes it more and more difficult to get out of it. I have got an…
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default removal
Thank god for this site a big :kisses3: to you martin for all your help. I feel i'm one of the lucky ones i've gone from owing £52,000 to £0 in 5 years but you would think that would be it but you would be very wrong. Im scarred with 2 defaults one being removed in feb 09 for £207 which is no problem and the other by the…
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GE Money have sent me my CCA back. Im not sure if what is on it is classed as a signa
They have send me loads of bits of paper. The main one that Iv "signed", has a little box at the bottom, and it says; This is a Credit Agreement regulated by the Consumer Credit Act 1974. Sign it only if you want to be legally bound be its terms. Signature of Customer Date of Signature (please type your name) (dd/mm/yyyy)…
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CCCS and DMP could ruin my dreams of dream job!
I am in the final processes of joining the police (for my sins!). I got a phone call the other day giving a possible start date. Received another phone call to say they have taken that date away from me as vetting have a querie about my application. The deal is I am considering taking out a Debt management plan. Just to…
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CCA letter - what's the risk?
Hi there I'm considering sending a CCA letter to MBNA with whom I have a credit card, as I was late with a recent payment and they have put a default on my account. I don't remember ever signing a credit agreement with them (my credit card was originally with Halifax Internet who sold it on to MBNA some time ago). My worry…
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Pap & Moozies what have/will you spend Saturday 1st November
Morning all, I hope I haven't missed this thread and now duplicated it!! Only spent £20 on my Halloween night out :D and had a fab time. Meeting the girls for lunch today so will spend approx £7. Have a good day x
