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Egg F&F?
Hi Guys need your advice and opinions again. Hubs owes Egg £4580 - and last week I sent a letter offering them a F&F of £2700. This morning hubs received a letter from them saying "we have been trying unsuccessfully to contact you regarding the query on your Egg Loan account" I find this strange as we were both off work…
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Taking on a 2nd Job
Hi All, What advice can you give for someone looking to take on a 2nd job in terms of tax etc... I'll be earning less than 30k combined, will my tax go up by alot?
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Urgent Help needed Re:Help!! Robinson Way Ltd Unknown Debt
Hey Everyone, I am in need of some serious help, a couple of weeks ago I posted a thread on here regards a debt that I had no knowledge of. Regards to that thread, I took advice from some very helpful people and sent Robinsons Way Ltd the "prove it" letter. Since then I have received another demand from them and they have…
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Urgent Advice Please - anyone help!
We have been in DMP with CCCS since Sep 2008, all going great for a while until last year when we had some car problems and lot of costs for repairs, so I did the wrong thing and took out a payday loan with WONGA, but couldn't afford to pay back, so again did another wrong thing took out another to pay off the Wonga one…
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British Gas - Default Notice
Dear All, After reaching a point in my life whereby my career is going well, I have regular income and a large deposit on my new house, I have been refused a mortgage despite what I thought to be a good credit score. I was advised to check with experian and it seems I have a default on my account from British Gas. This was…
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Winter pampering
Hi there I am thinking of doing little winter pamper hampers as Christmas gifts and need to think of what else can go in them. At the moment, I am planning: Hand cream Moisturiser Lip balm Pack of tissues Maybe Lemsip or similar! Anything else suitable?
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Full and final settlement offers
Hi all, I'm looking to make some full and final settlement offers to my creditors and I would really like to know what they are likely to accept? I currently have a payment plan in place with CCCS but my parents are offering to loan me some money to pay off my creditors. I currenly owe 7k to Egg, 5k to Natwest and 1k to…
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Just want to check??
As a person with debts to: Coop bank, Natwest and Money Shop who is going into a DMP- Can I have an account with Barclays or HSBC without being stung with the 'right of off set'? Thanks alot.
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Sorry, me again... Token Payments
Hello We sent our first token payments just over a week ago to approx 11 creditors. This was a letter explaining our circumstances and £5 cheque to each creditor. The problem is we have now stopped using our joint bank account and will be having our wages paid into new basic accounts at the end of the month (no cheque…
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**Daily Chat Thread**13th Sep 2010 - with a seven day challenge!
Okay I just want to do something - and I wondered if you lot wanted to join in. This will take seven days. I will give you something to do every day - its not specific - its personal - to you.:D It is still about them pesky frogs. Todays task is: DECIDE EXACTLY WHAT YOU WANT! Not hard huh! Think about what you want to…
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Monday 13th Sept - 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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We will clear our debt earlier!!
Just started DMP with CCCS, first payment due in October Feeling much better now, determined to clear debts earlier though - have had a good rummage through our cupboards and just spent 2 hours listing various bits of our junk on Ebay which will hopefully be someone elses treasures!!!:D:D Not spent any money all weekend…
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Dont know what to do, pls advise
Hi, Well we have alot of debt, our own home and 3 kids (1 now 18) I realise that we cannot make all our payments now, and have just started to miss some. I've been reading on here a while to find our options, but I'm having a real hard time convincing the wife. She knows someone on a DMP and says they never have any spare…
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Tax mess for pensioners!?!?!
Hi to all....my parents are both retired but while my father worked he was given the 'use' of a company car to do his various duties. This wasn't officially his and had to be given up any time a delivery car was needed....he's now panicking about the whole tax mix up as he's not too sure if he should have been paying tax…
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Lots of debt
Hey everyone, I know things aren't good for us as far as money goes, and although we have been tackling it head on for 3 years together (many more before we put our finances together, but thats a whole other story!) We keep having slip ups and deciding we deserve treats that we really can't afford, we both know it can't go…
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Can I make £477 in 30 days?
Maybe / maybe not but that's my aim from today, breakin it down it's £15.90 per day starting tomorrow for 30 days will sell stuff on eBay and cut back on spends and basically throw all I can at this - wish me luck :)
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Massive credit cards debts taken out by my brother in me and my mums name!
Mr brother who is 24 but who has severe special needs including speech and language problems and autism, has over the last two years taken out horrendous loans ans credit card debts in both my name and my mothers. I am 21 and am about to go back to University, he has managed to open 2 credit cards in my name (and max them…
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13-year-old debt - what's its value now?
Can anyone tell me what £800 borrowed in 1997 would be worth now to maintain its purchasing power? No extra interest to be added :) . Thank you
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agreeing a % pay off to settle outstanding debt
hi everyone i was wondering if anyone could offer some friendly advice. basically i lost my job and didnt work for almost 18 months during which time cc's and loan repayments got on top of us i am now back working but unable to live and pay off the outstanding - its almost 80k!! my wife and i have decided to sell our home…
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Confessions of a 29 year old who cleared £26,000 of debt thanks to the MSE community!
On the 19th July, 2007, I confessed to the MSE community how much debt I was in. It was the best thing I ever did ! I had told no one and now I'm quite open about it. Three years on and I've got 2 grand owing on a credit card. It hasn't been an easy ride but I just wanted to say a massive thank you to Martin and members of…
