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Need debt advice
Iam 21 years old and iam in £13,500 of debt already. I am now in a debt managment plan with churchwood and by the looks of things of what is being said on here not a very good idea. I have just got engaged and me and my fiancee are looking for a house, but we want to buy and no morgage company is gonna touch me with my…
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To parents -Would you want to know?
34 years old, not a badly paid job with around 6 grand of debt making me miserable. I have in the last 12 months scrounged, saved, had no life, sold everything of any value to try and pay it off and have paid a HUGE chunk of it to get it to 6K. But now I am stuck I have nothing left to sell, cant see where I can make any…
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Mass of debt
Just joined up and don't know where to turn. Have unsecured desbts of around 25-30k, now starting to miss payments and creditors starting to chase me, I am struggling to make the min payments now.I should have realised earlier, but thought I could catch up with any late payments, but even this month I'm finding theres not…
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How has this website helped you?
I just wondered how this website has helped people. For me, I managed to get £600 back from PPI claim and £220 back from credit card charges. I have won the odd comp and got some great freebies like an ipod scuffle and Amazon vouchers. The best thing it has helped me with is spending less and becoming debt free this year…
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Time to grasp the nettle & deal with this mess
Hi I am a new member to this site and have traweld through hundreds of threads / posts & am getting confused. There is tremendous help / advice out there - thanks to everyone who has contributed. My issues are: Massive unsecured debt - mainly on credit cards,many of which are long standing 10 years . Have serviced them all…
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Help with Credit Rating
Last year I took out a payment holiday with Nationwide but agreed that I still wanted to pay some off so paid a third of it. The first reduced payment that was due to go by direct out never did and then later that month I received a letter stating that the account was in arrears and made a debit card payment that month. I…
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Debt and other half!!
I'm new here and just been browsing, for some inspiration really, some very helpful people and posts!!! Just wondering if anyone has any info regarding debts and joining police? My oh tried but was knocked back(reason withheld). On his application he put his debts but since mine in my name only never thought they would be…
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How often do you grocery shop?
I'm seriously looking into buying in bulk and shopping monthly as opposed to weekly like I do now. 25 mile round trip every week, that's 100 miles a month - how much in petrol????? Hmmm plus the impulse buys. If I do a rigid meal plan for a month do you think that it is something that can be achieved or will I end up…
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Personal injury payout+bankruptcy
Im waiting payment for personal injury from accident at work and just received letter from creditor wanting to serve me a statutory demand in bankruptcy.Ive been told I might be better of going bankrupt I have no savings only my 7 year old car worth approx 1,500 and travel dist to work. Can my payment be seized or should I…
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A great way to get back on your feet -taxi driving
Hi all, Just thought I'd share a bit of my story with you... Since being declared bankcrupt a few years back I was really struggling to make ends meet. I had always run my own business since leaving college (which meant little job experience). So I decided to become a taxi driver. The training is actually quite drawn out…
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Bailiffs police and not my debt
Hi I just need a quick bit of advice. It is not in relation to my debt but a debt of the previous tennants. I downsized from a 2 to 1 bedroom flat in May. My reasons being that I am rarely at home , and the decrease in rent and council tax saved me around 100 pound a month. Since I moved in , i have had hundreds of "brown…
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my SOA
Statement of Affairs and Personal Balance Sheet Monthly Income Details Income from Employment (after tax). . . . . . . . . . . . . . . . . . . . . . . 2,707.00 Income from Self Employment (before tax). . . . . . . . . . . . . . . . . . . . 0.00 State Pension . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .…
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Help with Statement of affairs for when i need to remortgage!!
Hi everyone, I am quite worried that for when we need to remortgage in 2012 the rates could go up dramatically. We took a Northern Rock Together loan back in June 2007. We are on a 5 ys fixed repayment deal at 6.29%. The total term of the loan was originally 30 years. There are £167000 left on the mortgage and there are…
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Apologies but this is urgent....
Apolgies for posting this in here, it is in a way to with becoming debt free as my son is using this to clear payday loans etc....here it goes; I have today recieved a credit agreement and direct debit form for a loan which I have taken out for my son as he is unable to get one. From the paperwork it is ok that it is going…
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Where to save? (SOA included)
I have no idea where to start. We are in the process of remortgaging due to me going full time at work so I have based the SOA on the new mortgage figure. I have tried to include everything I can think of. Sky could be something that's goes but i'm not sure where else I can cut down. According to the SOA we have money left…
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Credit card debts that will only rise!!
Hi I am 32 years old, Never had any debt until my wife left me in Febuary 2009. Since then I have had to set up a new life. I have taken £17,000 on credit cards with low rates, Egg, Virgin, Barclaycard & Santander. I unfortunatly defulted on 2 months payments as my direct debits were not set up in time to pay the…
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Repaying Overdraft
I've recently finished Uni, and whilst there took out a student overdraft with NatWest of £1250. During my second year, there was a string of problems with my account, losing card and attempted fraud, so I switched all of my payments into a second account, and basically forgot about the student overdraft. In around May…
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Full & final settlement advice please
Im considering making a full and final settlement to Reliable collections acting on behalf of JD Williams.I have been paying these for 6 months via a DMP (Kensington financial management consultants) all interest has been frozen and debt is slowly coming down. 3 different accounts Ammounts owed now £996 £374 £180 My…
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Help, best friend bday need flowers delievered!
It's my best friend's birthday tomorrow and i have forgot to arrange flowers or even a card to be delivered. I live in Dorset and my friend lives in Warwickshire. Can anyone help please? She means so much to me and i cannot fina a flower company that will deliver on a Sunday. If i leave it until Monday they will be late :(
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Different companies debt owed to
Hi there, I dunno if anyone will be able to help but maybe someone will. I am in quite a bit of debt and have been for 2 years or so now and I have been quite naive and immature towards it untill now but I have recently decided to admit to myself how much of a mess I am in and have been saving to pay it all off. I know…
