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2 years post bankruptcy and another 5 grand of debt!
I was declared BR in 2009 and now two years on through bad money management and pure stupidity I find myself back in debt :mad: This time I am prepared to tackle it the right way, by paying it off, to be honest I think that the hardship I will go through to do it will help me develop a better money head for the future. I…
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MSE News: MPs' anger at debt advice cuts
"Opposition members are worried dodgy firms will prey upon indebted consumers due to cuts to free advice centres ..."Read the full story: MPs' anger at debt advice cuts
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bullying from first stop dfinance
I have been left in tears by a guyy at first stop financial, he called me monday and said he would be writing to my work (he called on my work phone) to obtan funds from salary. I am pregnant and got scared of losing my job in the last few months of me working. he then told me he would send a bailiff round as well. he was…
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What banks are linked with who? (DMP question!)
i have joined a dmp as some of you guys know but my current account is santader my debts are with halifax, hsbc and MBNA - are any of these linked to santander??? getting nervous now as i am getting a lot of letters and phone calls from my creditors now... just hope it goes away soon and that they are not linked with…
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Natwest debt written off
Hi, I have been doing some investigation into my credit report and have found that Natwest have filed a default against me dated 02/2008 for approx £8000. I do not dispute the default although the amount is considerably higher than I was expecting. I called the bank to find out what the current state of this debt is and…
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CCJ..any way back?
Hi, i have a CCJ, for an asda credit card, to the tune of 3grand. I'm paying £10 per month at the moment....(i will die before it's paid off at this rate, i know ;) ) Long story short, i have severe depression, stuck head in sand and agreed to whatever they said to make them go away,but obviously it didn't, and i said i…
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Back again!!! why can't i do this????
Hi, I can't beleive i am back here again! I went B/R about 3 years ago. I am falling down that slippery slop again. I am in debt with household bills. approx £3K Where do i start??? i know, i should know as i have been here before, but things are different now, i am work before i was unemployed and on income support. It…
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Virgin Media Default Notice
Hi, I've never done this forum thing before so bear with me... I'll try to give you as much info as poss... I have a default from Jan 2008 on my credit file. I moved home in December 2007 providing them with my new address. I asked them to take the final payment from the DD. They said they would have to send out a final…
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Coventry CAB's Debt Advice Service
As Martin has blogged on already this week: Don't cut 25m of debt counselling Coventry Citizens Advice Bureau is one of the voluntary organisations affected by these cuts, potentially losing 15 debt workers to redundancy at the end of March. Please sign our petition below to oppose this decision. Save Coventry CAB's Debt…
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Well I'v done it ... now just waiting
I sent all my paperwork to CCCS at the weekend to set up my DMP and sent my letters to my creditors to prewarn them what was coming ... I made all my standard payments at the end of january so Im still at the point of making no late payments and I thought it was better than giving them the token payment, at least they can…
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Lloyds overdraft nonsence
Hi, I have a had a problem with a DMP, basically The DMp was paying off an overdraft with lloyds, and when they believed the balance to be zero they stopped paying. Now it appears we have gone over our overdraft limit on this account. Following advice I am writing them a strongly worded letter, asking for a breakdown of…
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A warning to those trying to get debt free!!
Hi All, I wanted to post this warning as I think others should know about it. To cut a long story short I had a next catalogue which for a number of reasons I fell behind with payments and it was passed to their debt collection agency, Debt Managers Ltd. I have been paying off this debt at a small amount of £10 per month…
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Here Goes
Hello everyone - I hope that you can give me some help. First here is my SOA Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 2 Number of children in household......... Number of cars owned.................... 1 Monthly Income Details Monthly income after…
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Advice on debt payments and credit rating
Hi all, Hoping someone can give me some advice.... I have bad credit due to a number of debts, I am currently looking at beginning to pay back what I owe in monthly installments over the next 3 or 4 years. Will my credit rating start to improve as I begin paying these off providing I pay on time every month and never miss…
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Am I jumping the gun?
The year 2011 is not starting off great for us. We have always been proud that we can pay our monthly bills on time. I have never defaulted or been late with a payment. Sure I dip into our overdraught a couple of times a month but overall manage to keep our finances in order. This could all change very rapidly due to…
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Motivation
Is anyone else feeling like me. In January it was all new and shiny and I was really motivated. Then in the last week the motivation seems to have dropped. I have still been really good on my Grocery Challenge but struggling every where else. Anyone got any suggestions to keep motivated?? :(
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Advise on Bingo websites - thanks!
I would like to give some of the bingo websites a try. I believe there is a forum and some advice on MSE Forum somewhere - can someone please point me in the right direction? Thanks,
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Overpaying
I am wondering if it is a good idea to overpay on my loan. Current financial circumstances monthly: Income: Wage - £980 Expenditure: Rent - £275 Gas - £20 Electric - £15 Water - £12.50 TV License - £12.50 Sky TV, Internet & Line Rental - £25 Council Tax - £40 Food - £100 Mobile Phone - £40 Loan Repayment - £190 Total -…
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Wednesday 9th February - what small DFW things will you be doing 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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Paying for dentist....
Hi wonder if anybody can help me please. Ive been in agony with my tooth for the past week or so and desperately need to go to the dentist. However i simply cannot afford it! I have the 16.50 for the check up charge but haven't got the money for a filling or any further treatment! What happens in these situations? Do…
