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Just done a budget sheet. Oh dear.
Me and my other half today done a budget sheet after contacting the national debt helpline. The pack, as some of you may know, advise that you are clear as possible and also take into account stuff like emergency money, car repairs, clothing and the likes. Right now we pay out in the region of £700 a month, but after our…
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HELP plz big debt.
hey all im new to all this but would like some advice. i am a 22 yr old single mum of 2 and have recently lost my council house due to my ex but i am having problems with my debt. i recently tallied up what i think i owe and was shocked to see that it was around £16,000. i have written to a few of the creditors to say i…
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Moving into a caravan. What to do with mail.
Certain events brought about a situation where we again have to house hunt even tho we are happy were we are. After some house hunting for rental, we came to the conclusion that we either pay (for us) a lot of money for a small house in a nice are, or less money for a bigger house in a terrible area. In either case as…
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i was told i was debt free, help!
About 5 years ago i got my self i gave my finances to my ex partner who screwed me over. i shouldnt have done it, and have ever since splitting with him repaired all the damage that i let my self get into, or so i thought.... two years ago i was contacted by a debt collection agency (their name i cannot remember as i…
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Council Tax issues :(:(
Hiya, we have been very silly, though not intentionally...we have had a very tough financial year and are only just able to get on our feet!!! Please I don't want any silly or obvious comments from people who just want to be smarmy and basically nasty about this, yes I know it was stupid, yes I know I need to be more in…
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Clearing the difference!
Hi Folks I currently have a personal loan for a car, for which the settlement figure is (substantially) more than the car is presently worth. I would really like this debt cleared and the car to be sold on, but I do not have the money to pay the difference which is nearly £2k :( Is there any way that I can get rid of the…
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Santander - formerly Abbey (post from the claiming bank charges thread)
On the bank charges reclaiming thread i wrote the following, but was advised to come to this thread, so here goes:o Hello all My story is quite complicated and long winded so i will try to keep it as brief as possible. I recently put a claim in with Santander for an account i use just occasionally. The claim was for about…
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Help!!!
Im after any help I can possibly get. I have £25k between 4 credit cards. Things got out of control when I was made redundant a few years ago & I started using my credit cards to pay for everything until I found another job. Im paying around £550 per month between them all however, this is just the minimum payments & over…
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Has my account been sold on by Barclays?
Afternoon Does anyone know if `debt managers ltd` are another of Barlcays in house DCA`s or are has our account been sold on at last ? Cheers
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Just a little thank you........
Wasnt sure where to post this but I wanted to thank all of you who have contributed and commented on my posts over the last couple of weeks, especially Tixy and Izools. I have now managed to get my credit card debt of £2k on to a 0% interest card and the rest of my debt is on a decent loan with Sainsburys, unfortunately…
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Chrimbo crackers countdown
Hello! Hope78 previously organised these challenge threads, but is now concentrating on other challenges, so I thought I'd get one organised. Apologies for the blatant plagiarism...:o The challenge is to reduce our debts/increase our savings and is starting today (or any date you want to join in), finishing on 18th…
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Co-Op Cashminder Account Visa Debt Card - where it can and can't be used!
Hi all Firstly, sorry if this is in the wrong place and please feel free to move it! I, like so many others have just opened a Cashminder Acc. I am fully aware that I can't use it at pay at the pumps and ticket machines, but there seems to be an awful lot of confusion on here with regards to where they can be used. I think…
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Car Boot Sale success!
Had a great morning, despite the rain coming in and only being there for 3 1/2 hours, we made £192!! :j We're selling our souls next because that's the only thing we've got left to sell now! :rotfl:
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Help Ive had a relapse...
Hi, Sorry to report guys, I stopped posting for one weekend and by Monday i was back to my old ignoring debts ways. Things have got from bad to worse because now my basic bank account with Yorkshire Bank is being closed as i went overdrawn (direct debit) and it was my third strike. Why am i such a financial failure? Why…
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Can they do this?...
I've received a letter from Global debt Recovery Ltd this morning saying that if I don't settle a debt of £769.89 they have "no alternative but to proceed further" They also state that "as a goodwill gesture, our client has stated that we may negotiate a substantial reduction for early settlement of this debt" Now I know…
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Help with DCA and attachemt to earnings
Hi Folks Hope you can advise me of what to do next with regard to the follow. I will try to outline this as clearly as possible. Bought a Land Rover on finance. Got into finacial difficulties during divorce , Land Rover not interested and told me to sell it and repay finance. Which was done. Deficit of £1800 which was…
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3 debts, 2 CCj's where to begin.
Please bear with me this might be a little long winded. I have just read my credit report with experian and equixfax. A few years ago i got into financial difficulty with 2 credit cards (both only had very small limits) although i paid what i could each month by cheque, i always got a late payment charge. Even though i…
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Sat 17th/Sun 18th Wet and windy weekend chat!!
Hi - couldn't see a daily chat today so thought I would take the liberty of starting it! Been up since stupid o'clock - went to the Next sale - very bad move!!!! said to DD's on the way in 'i'm not buying much' Several bags and way too much money later we left - got kids lots of bargins though and almost all of it needed -…
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Frederickson Int - what letter next?
My OH has Frederickson Int chasing a debt he wasn't aware he had. We requested a CCA and they responded saying they were going to contact their client and the account was on hold for now. 2 months later we have finally received a letter enclosing about 12 pages of print outs of statements. Now what do we do now? Am I right…
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What happens if..........
... i pay the full balance off with a debt collection agency? what happens to my credit file? I'm sure i've got defaults but will my rating improve quicker if the balance was paid off in full rather then a full and final settlement? I'm being lent the money to clear my smaller debts so i can stop getting interest on it,…
