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some debt statistics
I came across these statistics which I thought may interest people from Feb 2010: Today in the UK * The average household debt will increase by £0.24 today (it grew by £11.11 a day in January 2008) * 386 people today will be declared insolvent or bankrupt. This is equivalent to 1 person every 3.72 minutes * 1,000 people…
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Shopaholic tips please
Not sure if this is the correct place to be posting but I'd like help with shopaholic tips. I work in a large town as a legal secretary (been there almost 3 months now) not less than 2 minutes walk away from 2 last department stores, a large shopping centre and before work (I get in on the train about 10-15 minutes earlier…
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Can't find a post I saw on here the other day....
Hiya, I was having a mooch the other day and I saw a post from someone who was looking at collecting aluminium cans and weighing them in. I wanted to have another read of it but I cannot find it any where. I am sure it was in the dfw section.
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default query after 6 years ?
Hello, Hope you are OK, have a technical question Got into debt approx 7 years ago, cleared 99% of the debts but have one which the default date was 1st oct 2004 whioch will fall off the credit file next month. The only thing is the debt has not been paid off and is owned by a debt purchasing company. The question I need…
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1 year on since LBM
So far we have paid of £7077.07 of our debt with some help from my husbands parents. We are getting there slowly. Feeling wise, I'm feeling quite down again at the moment, i want it to be all over, not so i can spend but just so i can start saving, which is novel!! Hubby is wasting money a bit at the moment (see other…
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feel like i'm going round in circles
I really feel like shouting and crying at the moment. I'm desperately trying to sort out our finances and get us out of the rest of our debt. Hubby's Insurance was due today and i've spent the last 3 weeks getting insurance quotes that have all shot up despite no accidents etc, anyway his renewal came through and it's just…
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No more spending!
Hi all! I've been lurking on here for a while and today I've decided I'm going to make an effort to stop being a spendaholic! I've not got huge debts - a £1500 overdraft is my main problem, and a credit card at around £600 on 0% for a year which I'm gradually paying off. All our household bills are up to date and we don't…
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Debt Management Plan
Hi again - I posted for the first time before the weekend and appreciate the advice I was given, both on this site and by spending a fair bit of the weekend on the internet. I also spoke with the CCCS and for the first time to a couple of friends about my debt. I feel better already but there is a long way to go. My…
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Time to get a grip!
Right as the title says it's time to get a grip. We have been on a DMP for 6+ years (thanks to this site) but I've let things slip a bit recently (hubby leaves the finances to me, why? who knows). I used to be so good and have wee pots for everything - christmas, car insurance etc etc and now they are all nearly empty. Car…
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Education required.
I'm kinda new to the whole debt thing and need some advise i seem to remember at school being told there are companies who buy someones debt from you and then then chase them up as i've been looking and cant find any. i had someone stay with me who agreed to pay some of the rent/bils while here but they kept giving me…
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I think that I may be obsessed....
Oh man. I just went and did my weekly shop and to ensure that I stick to my budget I walk around with a calculator and tot it up as I go around. (I must look mental). Well I got to the till and it was a little more than i thought - that sometimes happens if I have forgotten to put something in the calculator. However, like…
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Moving my D D's to the end of the month
Hi all im after a bit of advice, im considering moving my dd's from the 1st of every month to the 28th of the month , after paying all the dd on the 1st i have money over for food, fuel etc until the next pay day i.e the 28th of the month at this time im up to my overdraft limit £1000, i was thinking that if i move the…
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Interest Only Mortgage, future concerns!
Six years ago i had an IFA come to the house to find me and my partner a mortgage, Cut the long story short the motgage we signed for, we didnt get and was mislead on the interest rates, we ended up paying a 10.2% interst rate on a £165k mortgage, i complained to the FSA and we had £2600 compensation from the IFA company,…
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barclaycard f&f..or rather,lack of.
Morning all! a few months ago i offered barclaycard a full and final settlement,but they said that in no way do they accept full and final settlements,no-one in barclaycard will accept a full and final settlement(because i asked to speak to someone else). I called up again and was told the same.they will not accept…
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Missed 1 payment phone non stop!
Hello For anyone who has not seen my other thread. Hubby is in the process of applying for an IVA. I am going to do a DMP with the same company but have to wait for his outcome first. Anyway, the debts under my name only are 1 credit card and 2 loans. We were advised to cancel our unsecured direct debits and open new…
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Falling off the wagon when I'm almost there...
Hi was going to jump on someones else's thread but decided to start my own! I'm 2 more payments from being debt free (1 loan left now) and my ability to live on a shoe string seems to have left me and I'm a little worried now... For about 6 months I lived on £100 "pocket money" a month, it was tight but I managed then 2…
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A Query re DCA's
Can anyone tell me if Aktiv Capital and Clarity are connected in anyway please? Ta. Anyone know the answer?
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Weekly Spend Challenge W/C 11th September 2010
Hello everyone . Welcome to the weekly spend challenge. This challenge is open to anybody, no matter what financial place they are in. On this thread please post an amount of money you wish to stay below within the week (Sunday to end of working day on Friday). This can be pennies or thousands it depends on the individual.…
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Northern Rock Mortgage Expired & with cccs - advice pls
Hi all, I'm new to the site an apologise if this has already been covered. My husband and i got ourselves into debt a few years ago and have been with the cccs since May 2008 (all going fine there). Also, we have a mortgage with NR, the fixed rate expired in August.... My question is, obviously we have a few defaults on…
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F&F offer on bank loan - advice please!
Hi there, My OH took out a loan with LTSB in 2004. He made continuous repayments for approximately 3 and a half years ('twas a 7 year term) before falling into financial problems. Since then despite our best efforts payments became sporadic, then were totally unaffordable. For the last 2 years approx no payments have been…
