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The penny has finally dropped!
I have seriously just had the biggest wake up call since finally deciding to deal with my debt! Just been through my bank statement since I've been paid (11 days ago) just to see where my money has gone because this month I'm going to be slightly short again. I must have mis-calculated something because I thought I was…
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Joint Accounts after Bankruptcy
Hi There, I am moving in with my boyfriend and the easiest way to arrange our bills would be to have a joint 'house' account and we pay in a percentage of our salaries. However my boyfriend was bankrupt a couple of years ago, he has now been out of bankruptcy for 12 months. He has tried to apply for credit to see how bad…
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advice please
hi posting on behalf of my mum and dad eon were doing some work outside there house whilst they were on hols and cut there power off by mistake. the x2 freezers both defrosted, eon admitted it was there fault and told dad he could claim off his halifax insurance and eon would pay halifax insurance. eon paid £280 to halifax…
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Factors court charges
I've basically been a blind fool and ignored my factors bill for the past god knows how many months now, I recently called up to find out my balance from them as I have decided for once and for all i'm going to sort out this mess that i'm in.. on top of the £1000 i owe them, since they've applied for court action to be…
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Got a Statutory Demand for Bankruptcy from CapQuest today - advice please!
Hi everyone. Here's some background: In 2005 I took out a store card with Jessops via Clydesdale Financial Services (now owned by Barclays). The amount of the store card debt was about £2500. From 2005 to 2007 I repaid quite a large chunk of the money, I would guess about £2000. Then I fell behind with my payments and…
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Help! Eeek!
Hi all I'm a long time lurker, long time since I posted poster! (on a different username). I'm in debt, to the tune of £5k and am currently paying this back on a DMP (with CCCS). I should be debt free in the next 18 months or so - hurrah! I never want to get credit again - I don't have an overdraft anymore, and budget with…
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Basic bank account and debt in same group
I am about to open a basic bank account to move all our dds and wages over to in preparation for sending out letters to our creditors offering them reduced payments (which they'll love but not suspect as not in default yet). One of my debts is for a tesco credit card, but looking to open a nat west bank account - and…
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Daily Chat 6th July
Where is everyone? I'm hungry today stomach rumbling and i've been following the diet, so whats gone wrong? supposed to be in ketosis today and not feel hungry? Not lost any weight so far either. Aww well i'll keep at it have already drink 1 litre of water. Got hospital this afternoon for my hip Hope everyone is having a…
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Ok, so we've done the budget planner.....
......and we're over spending by £500 p/m. :eek: We're not literally at this point in time as we are using our savings to pay for things like MOT, car tax, xmas, birthdays and so on, but of course if we keep doing that we will run out of money and then we'll be screwed. Yesterday I felt all fired up to "fix it" but today,…
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Debt Free Wannabe - Hi!
Hi, Thought I would post as I really need a rod up my bottom to do this! I would really like to clear my debts off, just need some advice. Currently owe £150 to House of Fraser (29.9% APR), and £150 to Littlewoods (39.9% APR) They are one month in arrears, and I have the money to clear one of them right now, or half of…
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MSE News: The £14,400 minimum cost of living
This is the discussion thread for the following MSE News Story: "People on low incomes are increasingly struggling to get by due to soaring inflation, research suggests today ..." Read the full story: The £14,400 minimum cost of living
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Warning about Say No To 0870.
Not sure where to post this, so I put it here as is seems to always have the most people viewing it. A friend of mine recently used Say No To 0870 and her husband called the number it gave her for their bank. After going through the various details, the person on the other end said the computers were down and after a…
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Can't see a way out - HELP
After struggling and stressing myself out for over a year, ive finally decided to post on this site. Let me begin by telling you my story, Up until 2008 I was in a secure job being paid monthly after being made redundant with only 1 months redundancy pay I was out of work for 3 months (didnt claim benefit) and managed to…
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My situation - July 2010
Hi there, i'm Dean aged 26 1/2 from Manchester, i've been browsing through this forum for the last couple of days and it was good to read other people's situation so decided to post up mine. I've been living beyond my means for a good few years now and decided enough is enough, i still live at home with my parents and…
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full and final settlement
Hi I have been on a DMP with CCCs and a couple of debta have been passed onto Robinson Way . If I ever come into money ( doubt it ) but say I owed £20000 what would a reasonable offer be to them if any and are they receptive to offers G
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Bailiffs for parking fine
Hi, I dont think im posting this in the correct place so appoligies in advance :) I was looking for some advice, i recieved a letter a about 3 weeks ago from rossindales bailiffs for a £214 parking fine. I called them up as i have had no previous letters or even a parking ticket! Im guessing someone pulled it off my…
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Big Thanks and Over Half Way There
Hi Folks, I haven't ever posted before but have been reading regularly the different debt advices given and handy tips on cutting down spending, being more thrifty, etc. At the start of 2008 my husband left me along with various debts ( credit cards, a provident loan, and 1 store card, overdraft, etc) which seemed…
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Slight problem with Metropolitan Coll Services
Hello all. A few years ago I defaulted on a HSBC Mastercard. MCS took over the debt and I've been paying without fail, monthly for the past 6 years via one of those plastic cards you take to the post office. MCS never bother me or pester me for more money & I guess I'm lucky HSBC never shut my bank account down too. I…
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IVA Issues
Hi, I am not new to this forum as in "registered" but I am new to this forum as in " posting" last time I logged in was in 2009 and to be honest I pretty much forgot about it untill I had a spam email from the central website and remembered my account.. I'm here to ask what do people think of IVA'S??? Is there anyone in…
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Tuesday 6th July - 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…
