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Hello! im new and need some help
Hello, im new on here and have been reading through this for a while, and my situation is nothing compared to most of them on here, but just now i feel like im going to be like this forever and i hate it :( . Ok so im 21, and was an idiot! it all started one chiristmas when i was struggling so i got a credit card, i then…
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£1,024 in 11 weeks challenge number 3!!
Hi everyone. Back in 2006, I started off the £1,024 in 11 weeks challenge - http://forums.moneysavingexpert.com/showthread.html?t=271716. Jet77 also started the same challenge at the beginning of thise year - http://forums.moneysavingexpert.com/showthread.html?t=1377391&highlight=challenge. There are people that have…
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Car Tax Refund....
Asked on the motoring board, but more people look here.... How do I get a refund on my car tax? I only got it last month but have changed cars..... Cheers Sx
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New DFW -
OK, I am now determined to get out of debt. Here is my SOA. What do I do next? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... 2 Number of cars owned.................... 2 Monthly Income Details Monthly income after…
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Help! Need some help, like everyone who wants to be DFW!
Hi, I am new to the forum and have debts like everyone on here and would appreciate some advice from somebody please! I have an overdraft with lloyds and would like to get rid of it as i am constantly overdrawn! Is it a good idea if i opened a new current account with a new bank to have my pay put into that and then pay…
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Paying off CCCS managed DMP early? and saving after this!
I've come into a small amount of money and while every cell in my body is screaming spend I know I need to pay off some debt :D How do I go about this? Who do I pay first? Do I do it through CCCS? And after I've done this, and I'm close to cleared it all off, where do I begin with managing the money I do have? Seen…
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My SOA - Feeling quite depressed by the truth!
Hi, I have attached my SOA below and after looking at the debt properly I feel quite depressed and sad about it. Any advise would be greatly appreciated, good or bad. I apologise if I haven't filled it in correctly - and I will add any other debts that I have missed - I think this is all of them though!! Statement of…
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Possible to Check my Credit Report for an old address?
Is it possible to check my credit report for an old address? I'm worried that I may have an old debt and want to check it against the old address, where I was living when I may have missed a payment? I have not heard anything for the last couple of years. My friends keep telling me to leave it, my credit report for my…
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how long till i have a good credit history?
i have got into a lot of debt over a short period of time and have an appaling credit history. i have just started a dmp and have paid a few creditors off with f&f settlements. officially,if i continue the dmp according to them it will take seven yrs to clear....so even if i pay more money to them and get it clear in…
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being a bit dense here but all the acroymns??
what do they mean? SOA - state of affairs LBM????? ETC ETC - is there a thread which tells me what is what. P.S how have some posters got stars and that???
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How did we all get here?
Hi All, I was wondering how people get into serious debt. If we can understand how we got here then it might help us stop doing those things and get out. For myself I spent far too too much time and money trying to keep up my (mostly better paid) friends. Not splashing out frequently in a big way, but month after month…
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Determinedtodothis - debt busting year 2
Well i've had my up's, my down's, my sideways and my, "where on earth am I going with this" I have had a fantastic first year I have already shaved a year off my debt free date all thanks to you guys. I wanted a fresh start to the "new year" and I thought i'd get you all to look at my new SOA - please feel free to point…
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Linked addresses on experian credit report
Advice and help please. I have recently received my credit report from experian and upon looking through I can see I have 298 linked addresses. These addresses have been put on by companies I have no credit accounts with but with companies I have applied for credit with at some point. I lived at some of these addresses for…
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A big big thankyou to all, £92000 better off
I just want to say a big thank you to all the valuable information on here. For the last 3 years I have been living with £104,000 of debt and having to deal with 13 DCA's and 11 creditors. Letters, phone calls and the rest. I started sending off the template letters on here just under a year ago now and as a result £92,000…
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Budgets ~ 1 Person, 2 Bed House
Hey! I just wanted a quick poll really (if you don't mind) i'm trying to so my budget for my next debt busting year, I live on my own in a VERY small 2 bed house. How much do people in my situ pay for: 1. ELECTRICITY (i don't have any gas) my company want £70 a month to "keep me in credit" :eek::eek: 2. CONTENTS INSURANCE…
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In Deep Doo-doo
Hi all, A while ago I became very ill with stress and depression (diagnosed) and left a highly-paid job. I had some debt at the time, but was able to pay for it. I took some time out, and basically lived off credit cards for a while. Very stupid, but I was in denial, wasn't well and didn't want to claim benefit and it was…
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Please Help -In Debt and struggling!
Hello, Not sure if this is the right board for this. I have to go to the county Court on Thursday due to not being able to meet the repayments on a loan for HFC Bank. We paid solidly for 2 and a half years at £75 per month then in Feb we missed a payment but because we were already subject to a court order HFC went…
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In such a pickle and getting v depressed
Hiya, Am now owing O2 for 2 phone contracts, and I can't afford either! http://forums.moneysavingexpert.com/showthread.html?t=1839297 Any help re this would be most appreciated, as I'm losing sleep over my mounting debts. I also owe about £350 to Empire Stores, and another £300 to Littlewoods (never again will I use a…
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at the end of my tether
My husband works full time, and I am at present time unemployed ( I start as a student nurse in September). We are up to our eyes in debt, and i really can't see a way out. It has got to the point where I hate my kids coming home with letters just in case they are asking for money for school trips. I hate saying no to…
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Hypothetical Query?
My brother in law is absolutely terrible with money. He runs out about two weeks into the month. He'd like me to take over all his incomings and outgoings and give him an allowance to live on. I'm quite happy to do this to help him out. He is worried however that the next time he is a bit tipsy he'll get another store…
