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Getting made redundant - what to do about debts etc???
Hi, I'm hoping you can help? I'm getting made redundant and I have outstanding debts, i'm getting worried as I haven't yet found a job (I am trying) and my husbands wages wont cover all our bills including cards even with our mortgage protection. Does anyone know what I can do about the cards? I haven't card protection???…
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aktiv kapital/ morgan stanley debt
Hi guys, hope someone can help. I had a morgan stanley cc and was unable to make payments a 3 years ago. It had 3 grand on it. I had loads of other debts at the time, about 20 grands worth. I have been getting letters from aktiv kapital ordering me to pay 4800 pounds or they will take me to court. My current credit score…
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MSE News: Crackdown on 'free' debt management firm adverts
This is the discussion thread for the following MSE News Story: "Charities have welcomed new codes that will stop fee-charging firms describing their service as free ..." Read the full story: Crackdown on 'free' debt management firm adverts
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Help need options please!!!
HI, debt £13766 (all are ccjs 7) i opened an business account before the age of 18 for a family member i hadnt realised untill earlier this year that i had 7 ccjs none of which i new about latest being registered 2008. he had been bouncing checks well after the account had closed. i can not pursue the family member im just…
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Complicated Debt Problem, Desperatly Need help !
Hey Everyone, Im new here, So i hope im posting this in the right place, I have a pretty bad debt problem, Which all started off when i became unemployed a few months ago, Im currently reciveing job seekers allowence and am activily seeking work, However i've gotten my self into such a financial mess. I get £93.71 every 2…
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GET ME OUT OF HERE!!!! Please
Hi there, im new on here and need help, 3 years ago myself and my wife decided to buy a house, we were renting a flat at the time, had no savings and had a loan of about £7000, Buy a house, everybody told us, you will soon make money on this!!! Well, after speaking to a financial 'expert', we were advised that we could…
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Im back with more Debt ARGHHHH
Well I left here debt free, travelled the world a bit (9 months in OZ and the turkey) and came back seemed to think my credit card was free money and here we are again. SOA Overdraft - -£450 HAL CC - £1047 Very - £700 VIRGIN - £3389 Barclaycard - £3373 Car loan £5000 arent I silly girl. Memories to last a lifetime and debt…
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lloyds/allied international and my overdraft
Hi everyone this my first post on the site and was wondering if someone could give me a few tips as i have never been in this sort of situation before and don't want to get ripped of. I went away to Australia for 12 months forgetting I was overdrawn on my lloyds TSB account and I've come back to England finding that they…
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mortgage arrears with dmp
Hi, I am 3 months behind with mortgage payments and also need to set up dmp. The mort company has sent me a budget planner to arrange a payment plan for the arrears. Obviously, on the planner they want details of unsecured creditors but I would prefer not to tell them. I am thinking of not detailing my debts so the…
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Reasonable entertainment amount for 2 adults, 1 toddler?
Hi all, Good luck for September! Just wanted to canvas opinion - how much do you think is a reasonable amount for a family of three to spend in a month on general outings? I'm thinking of £20 a week which should cover a cinema trip for and DH once a month, or maybe a cheap meal out with restaurant vouchers plus a family…
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not fair :( Just a rant!
Hi, Just looking at ways to reduce our monthly income so that I could comfortably go part time after maternity. Whilst doing so i realised we have some big costs and it's just made me angry to realise we have to pay more for things because of where we live so just wanted to rant! We currently pay £37 to sky plus our phone…
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Euro Coins...
I have come across a company that will change Euro coins into Sterling. I had a number of Euro coins in a jar, and they changed them into cash straight into my bank account. I can highly recommend them if you have any Euro coins lying around. You can find them by typing into google Europeancoinconverter :j:j:j
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debt dilema.. what to do?
As a few of you may know I booted my piddly little bits of debt into touch in early 2008 and moved on to concentrate on my mortgage and building up some lovely savings. This was all fine until my husband announced/confessed/owned up to haveing considerable debts earlier on this year. The lions share is student…
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Reduced Payments
Hi, Does anyone know how long reduced payments will stay on your credit file? We are selling our house to pay our debts and need to make reduced payments in the meantime. I am worried they will effect our credit file and then our ability to rent a property and then in time buy another. Obviously we will need somewhere to…
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Got 5 mins to help MSE test new calculator?
We've revamped the Ultimate Mortgage Calculator (by making it more ultimate!) For all details go here: https://forums.moneysavingexpert.com/discussion/comment/36225465#Comment_36225465 Reply in that thread too please Thanks
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Standing order question
Not really sure where to ask this question so apologies if this is the wrong place! Someone said that they had set up a standing order from their bank to mine on 1st of the month. Nothing has shown up in my account today (so far). What I was wondering was that if it is leaving their bank on 1st will it reach mine on the…
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adult learning
Sorry if thids is not the place for this, but I have also posted on the employment/training page, but this one seems to be much better subscribed, with more very helpful advisors posting. And it IS about dealing with debt as well. OK, I need some info re my neice, who is just about to start a NVQ course in Child care. She…
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TO SELL or NOT TO SELL
I'm relatively new here and wanted to ask the advice of the regulars. I have a bit or a dilema ATM. We have been on a DMP with the CCCS for a year now to repay close to £50k to various creditors. I have a 1 year old little girl and am sick of living hand to mouth. I appreciae that there is a very good reason for this and…
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Having problems with WONGA
Hello, Can anyone help me regarding some legalities with WONGA. I have finally settled my oustanding balance with WONGA but this was through Credit Resource Solutions. However I am still getting demanding emails from WONGA asking me to pay the account in full. I forwarded confirmation from CRS to WONGA back on the 23rd…
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cant get new bank account to help with DMP
PLease, I could really do with some advice. i spoke to payplan yesterday to set up a dmp. they advised me to set up a new bank account with another bank as my current barclays account is linked with one of my debts (barclaycard) so i applies for a co-op basic account online yesterday, but they turned me down staright away…
