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Finally taken the plunge, but what happens now?
Firstly, I'm sure if I'm posting in the correct thread here as i'm a first timer, so sorry if so. My story is a long one, but I won't bore you all with it, but briefly, my husband has left me with £22,000 worth of debt (in short, he was in debt but hid it from me, lost his job but pretended to go to work each and stole…
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Best way to pay off an overdraft?
What is the best way to pay off an overdraft? I currently have two C/Cards and an over draft i'm paying off. i realise that with a new c/card I can do a balance transfer but what about the over draft? I'm trying so hard to try and have just one outstanding amount of money I owe instead of a number of them... any ideas guys?
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Can you survive on £135pm?
Hi everybody, Thanks for reading this, I am basically trying to find out if I can survive the next month on £135 plus a fair bit of food in the cupboard. The £135 is after rent, bills and travel - so essentially just food, prescription meds, going out etc! And btw, I live in London! Thanks for replying! MSE
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Those with DMP's
Hello all, So I have decided to start a DMP with the CCCS. I was wondering if anyone could tell me how helpful/responsive their creditors were with the plan? Did they keep ringing etc after a while? I owe money to HSBC, Barclaycard, Shop Direct Group (Additions and Great Uni) and Provident.... Have also included Creation…
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hello everyone and please advice
Hello everyone I've just hoined this fantastic forum and I hope to get my finances sorted :) I'm in debt at the moment and I've just spoken to EuroDebt advisor yesterday. Let me give you some fact and please tell me what you think will be the best option for me. I've got about 7k debt (two overdrafts maxed out - 2.6k each…
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Thursday 28th April - 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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Making mayhem in May with the NSD challenge
:jWELCOME TO THE MAY NSD CHALLENGE:j Why “making mayhem”, you may ask? Well, May is the time when the NSD-ers start coming out to play for the summer and no one can make more mayhem with a maypole than the NSD gang:D. Some slightly strange superstitions for May: The month of May was considered an unlucky month particularly…
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Debt free target - but on means-tested benefits....
I am currently on means-tested ESA, not being able to work because of a chronic condition. I have FINALLY sold my property in France - incurring a huge (6 figure) loss. But I will shortly receive my share which will mean I can't claim means tested benefits. Fair enough. BUT I have several credit cards and debts to family,…
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Urgent Advice Needed
Hey all, This is my first post under my new registration, was previously registered but not sure what happened to my account. But i had to re-register to get you urgent help. Ok, the situation: I split with my ex partner about 2 years ago and at the time we had alot of joint debt. We evenly split this and each agreed to…
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Anyone hiding their debt from a partner - don't!
I first joined these forums about 3 years ago when joint debt was around £50k and climbing. My Husband had no idea about the extent of the debt, happy to leave the finances to me - I joined here and convinced myself I could do it without him ever finding out. I confess that I even posted here under a different name for a…
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Moving a loan debt to credit card question....
Hi Guys, Hope everyone is doing well, my debt - busting has struggled recently due to some problems elsewhere but I have decided to dust myself down and get rid of this burden! I have a loan which is £6,000 for 3 and half years (started September 2010) and I am looking at moving it onto a credit card with a long balance…
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Fell of the wagon this weekend ;-(
I have been running my own DMP since January this year and have been making a decent size dent in my debt. I went to London on good Friday to meet up with family and a friend who had come over from Ireland for the weekend. We where best mates for years before she moved back. Anyway I completly overspent and had nothing:(…
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Santander, Self Administered DMP & evidence...
I have sent all my creditors income and expenditure breakdowns as compiled on CCCS website, Halifax, MBNA & Lloydstsb have agreed to my offers of payment with interest stopped. :j Santander on the other hand have been a real nightmare, they have refused my offers on my and OH loans and for my CC they continually phone me…
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Triton credit Full & Final
anyone know the addy for triton credit so i could send my Full & Final to? also anyone had any dealings doing this with them before? what sort of % did you send?
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Where do I start?? With Brighthouse!
Hi everyone, I have decided after months of stress to deal with my finances head on. I am sick of dreading every letter through the door. I find myself with barely enough money for food let alone treats. My children all need new clothes and shoes but its unlikely to happen any time soon. I am going to check my credit…
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Wonga Help.......Quick
Hey guys, I am in a big pickle here. I owe Wonga.com £1100 on Friday 29th April I get paid tomorrow but i know for a fact it won't be able to cover it. So what will happen ? Wonga will try to take that amount but i know they can't then what ? I won't be able to pay it off in the future i don't think as i am looking to go…
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Clawing back Control
Thanks to the help of Lambda (sp) and KPR this morning I feel a bit more in control. I have applied to transfer the biggest balance (and the one where the interest rate is about to hike up) to a 20 month BT deal, so we shall see. I have a plan in place for if (when?) it's accepted so I know how much I can pay to it which…
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Roxburghe Debt Collection
Hi Guys. Okay... I started a job with Lloyds TSB last July. I no longer work there but was overpaid £1600. I'm now in my final year of university and thus no money. My debt from Lloyds has been passed to Roxburghe and I'm receiving letters and texts almost daily. I can't afford to pay the debt all at once and but willing…
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Top tips to be debt free?
Hello moneysavers :D I am doing ok with my debt repayments, a fairly hefty wodge of our monthly income goes to repayment and everything is interest free. However, it is still going to take forever and a day to get there and I am wondering how I can speed things up a bit. Does anyone have any tips for how to save cash/…
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Debt Free Help please!
Hi I've been lurking on this board for a while but really need to get my debts gone, so I would like your help please. I'm a long-term MSE member, but have decided to post under a new username so people who are familiar with me from real life and other boards don't know who I am :o Won't go into much detail about my…
