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Taking it too far
My debt isn't too bad - I can meet all the monthly payments etc but I've still been trying to be as frugal as possible to get it done asap and well - seems like a good habit not to waste money. My issue is that it's been making me really snappy with my OH. I had a go at him yesterday for eating all the biscuits I'd bought…
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Overdraft...keep it or get rid?
Hi everyone, I've been looking at this site and found it is really good for advice on money. I've got a little question which I'm hoping someone might be able to help with. I am relatively debt free I think. I am 22 and work at a company where we have just been bought out and all staff are to recieve in a way, a bonus. The…
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County Court Claim from an 'Adoptive' Provider - Help Please!
Just looking for some advice. I have just received a County Court claim from Lloyds in relation to a Credit Card account. The card was not originally taken out with Lloyds but with another provider who later sold all their accounts to Lloyds after I had had the account for some years. The Particulars of Claim say nothing…
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Re the too frugal post
Hopefully not a strange post but wanted some views as been mulling on this for a couple of months now, with Christmas being a trigger point. We have been debt free for a year now and have continued living as if we were still trying to clear the debts off. Our revised soa (I think we will do one of these forever!!) is…
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where to start
I have looked at this site many times and never had the confidence to actually start. My debt is now getting so out of hand that I can't hide from it any longer. My biggest worry is other people finding out and my work place getting calls from people. How do I sort my £10k of debt out. I spend £400 month more than I have…
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Exit from an overdraft
I have an Overdraft on a Natwest Student Account which I am now starting to pay interest on. Is there any way I can transfer this debt to a 0% interest credit card or similar to avoid paying interest whilst paying it off? Advise would be much appreciated!
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Weekly Spend Challenge W/C 20th March 2011
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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Vodafone not accepting my offer - HELP!
Morning all, need a bit of advice with one of my creditors so please help if you can. I've requested my outstanding balance as step 1 of my DMP (following Payplan's advice) and I've offered a £5 token payment until I get all of my balances from all of my creditors. Just had a letter back from Vodafone saying they don't…
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Does anyone know how much dca's buy debt for?
Was just wondering if there was a general figure for these vultures purchasing a debt. My guess would be 10-25%? does anyone know?
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Need to focus ........DEBT........Any help welcome?
Hi all I posted on here a year ago because I had debts, I tried to pay them off but then personal things happened and now they are higher! I have no idea how much money is in my bank or how much I owe! My boyfriend dumped me two weeks ago, I have been very low and unhappy. I've decided I need a challenge and something to…
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whats the best thing to do
hi all, we are £30,000 in debt mostly thro c.c,we are managing to pay them off each month,we dont know what to do for the best to try and get it all paid off,we did look into re-mortgaging the house but we are looking to move over to australia within the next 2yrs (if we can get debt sorted out to where we can see light at…
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long time lurker has taken the plunge...needs help plz!
having been a lurker for a long time, i have decided to take the bull by the horns, take a deep breath and ask for badly needed advice :o hubby and i were plodding along ok until he was suddenly hit with a massive cut in wages. having struggled on for a few months we have now started to fall behind with our payments. we…
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EDF Energy/Advantis hounding me
Hello, I'm in dire need of advice and I'm looking for the quickest way to end this headache:). For the year ending June 09 I rented a HMO with 7 other students. Being young we assumed the house was completely electric. As it turns out, it was gas and electric. Both supplies being provided by EDF Energy- they sent us the…
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re-constituted cca`s
what should one contain ? i recieved one with all the boxes badly tipexed & empty apart from my name name & address handwritten by someone else .
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Credit Search
I have been informed that a debt recovery company called Mackenzie Hall have done a credit search without my knowlage or consent so my question to all is, are they allowed to do this. I have googled them and they are a nasty company with a history of bullying clients into repaying old debts. I was declaired bankrupt in…
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Building Credit
Hi All, If you have read some of my other posts you will know I am a few weeks away from clearing all my debts and being totally debt free : ) What I want to know though is now me and my GF will have no debts or credit what is the best and quickest way to start building our credit up. Now with me it is probably not worth…
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Please help, I am so stressed out
Hello All I am very new to all of this, but I really need some help. My hubby and I have realised that we can no longer cope with the level of outgoings we have. We looked at CCCS to get an idea of our choices, and DMP seems the best thing for us. We have decided to send out the letters ourself and offer some prorata…
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Have I Messed Up?
Hi Guys, Once again I am trying to sort my debt, and life out! I have foolishly committed to random payments with several debtors and am concerned that these are not affordable. Can I "re-negotiate" with them? Or have I truely messed up? Thanks Tom
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Student Loan
Hi, Not sure if this is the right place but here goes, Have recently been inundated with calls from Link financial Services regarding student loan from 1996 -1998. Can anyone tell me if these are statue barred??? Many thanks
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Settlement Offers
I wonder if anyone can give me advice. I am in the process of sorting out settlement figures with my Payday Loans. So far I have been successfully negotiating with them apart from a couple. However one of them Pounds Til Payday sent my debt to Clarity and I have sorted a settlement figure with Clarity but on the email to…
