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Budgeting for Mum
Hi My Mum is struggling to understand the bills after my father died earlier this year and in her panic she is trying to do a budget so she can live within her income. Bearing in mind she is now single and over 65, retired many years ago and just has a state pension and little else left to her. Luckily she has no debt. Can…
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Please help MSE test revamped tool: Premium Bond Probability Calculator
Hi folks, If you;ve got 5 mins to spare, please help us test the upgraded Premium Bond Probability calculator. Full details in this thread (reply in that one too please) https://forums.moneysavingexpert.com/discussion/2483043 Thanks Dan
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debt recovery?
am paying 2 debts off per month at £10 a month, all of a sudden something seems to have triggered something off and have got a letter from Lovell saying I owe 1700 and 800 and another from some firm in Darlington wanting 1400 from 2005. He said he couldnt tell me when the first debt was from but the 2nd one my last payment…
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Compromise Agreement
I have been unhappy in my current job for some time, and where I work they recently made some redundancies. A friend of mine suggested I should go to HR and speak to someone about the possibility of a compromise agreement with HR. This meant basically asking them for a sum of money, agreeable reference and then for me to…
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What's the difference between Full settlement and a short settlement?
Hi All, looking for some help. I am in a DMP with Payplan with about 7 - 8 months left. I recently contacted them asking about clearing a debt with them as it's only £43 outstanding. They told me : "The choice is between a full and final settlement or a short settlement, this last one will show on your credit file for 6…
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Ummm..where do I start? I just want to be normal.
Hi I am a SAHM in need of help. Over the last 5 1/2 years, both me and my OH have had a rough ride financially and made some very silly mistakes, his being a selfish very bad spending problem, mine being I trusted him way too much. The ins and outs of how I got into this mess are really not important anymore, the only…
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Just when I was getting my head around it all
Hi guys I've just had a letter to say I owe £400 for electricity in my previous flat. British Gas were my supplier for both electricity and gas. I know I contacted both departments when I moved in there. They then sent me a direct debit form which I thought was for everything. Not at any point during the 18 months I lived…
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Woo Hoo its Friday, come on in......
Mornin all, How`s everybody today? I`m off to yet another exciting day at work!! Already warm here, looking like another lovely day Catch you all later, have a good one claire
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Help
Around 15 month ago I signed up with a dept management company called William Goldberg. I had around 23k worth of debt which I was finding hard to manage. The company reduced my monthy payment from around £500 per month to £300, and said all interest on the debts would be stopped. All good so far. I have made all the…
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Support needed!
Hi everyone, long time lurker here, more active on the wedding forum lol! Had a long talk with my OH last night and we've decided to try and clear our debts and scrape together a house deposit before the big day. I'm not going to post a SOA as we know we do have spare cash at the end of every month, I'm just after a bit of…
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Fri 21st May - What small DFW things have you done 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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Advice needed on credit card BT
Hi All, I need abit of advice on transfering my balance from my 2 credit building cards. I have one default on my credit file for 1800 from LTSB. Currently paying 200 a month. 1 card is 800 the other is 2500. I am still paying on the default. Does anyone know if i have a chance to 0% balance transfer to another card?…
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cant evn pay bills or barely eat now what?
so hey everyone im new just found this site so im hoping it helps. i think knowing that there are alot more people in my position might help.. that is if anyone is in my position hahaha. anyways so im a stay at home mom my husband works his butt off full time we have been struggling with money for 2 years and half years…
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urgently needed- help- advice -kick up the bum!
here it is, the whole ugly truth, I did have some extra hours at work but these are now on hold, unable to add any of this to my existing mortgage - not sure which way to go at all, whether I try to shuffle debt around with consolidation loan whether I write to creditors and flush my credit rating away for 6 yrs, which as…
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Finally got the balls to post a thread.
Well iv'e been getting deeper into debt these last two years burying my head in the sand- not to mention away from my nearest and dearest :o . I have been glancing these debt-free wannabe pages for a good year but havn't had the bottle to admit I am in debt up to my eyebrows!!:eek: I have rattled up about thirty thousand…
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Lib-Con coalition promise on bailiffs, charging orders, and forced sales.
As you may already have seen in the news.... http://www.direct.gov.uk/prod_consum_dg/groups/dg_digitalassets/@dg/@en/documents/digitalasset/dg_187876.pdf "We will provide more protection against aggressive bailiffs and unreasonable charging orders, ensure that courts have the power to insist that repossession is always a…
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Trust online - which categories to search ?
I want to search http://www.trustonline.org.uk/ but I am not sure which categories to search under and thus, how much to pay. These are the categories. England and Wales Orders & Judgments England and Wales High Court Judgments England and Wales Fine Defaults England and Wales Tribunal Awards Scotland Summary and Small…
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ho collections
hi were is ho collections adress is thank u
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Prove It Letters - What Next?
I have recently sent 5 prove it letters: One came back saying (ScotCall): No longer dealing with Account contact BWC Group PLC. 2nd: Buchanan, Clark and Wells - We do not hold copies of Credit Agreements, as we are not the Creditor. However, account is on hold, while we request copies of documents. Last 3: Mackenzie Hall:…
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On a Sinking Ship
After following this forum for a considerable time I am finally built up the courage to work out how I am going to resolve my families financial plight. Firstly, a little background - Until recently everything was going well in the family, we were a young married couple with two children and earning good money, even with…
