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a little advice
I just turned 30, and finally facing up to the debts i have acquired over many years. The advice and support on this site has helped me immensely; I'm currently throwing all available income at my debts, and looking to be DF by the end of 2011. I have just recieved a really generous offer from relatives of a cash lump sum,…
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Struggling With Debt
Hi. New to this site. Have registered to see if anyone can tell me where I stand... Basically, I owe about 25k with no way of paying it back. lost my job a few years ago and used my credit cards to live :( Used to earn about 30k a year, but now am self-empolyed and only work term-time and bring in about 3k a year. Have…
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Trying to sort out all my bills
Hi Everyone Hope you are well I am after some advice please I am on the sick for a month due to a pregnancy condition, this ends the end of this month then i automatically go onto maternity pay :( As the SSP and SMP are very poor (£120 per week) I am trying to sort my bills out. My outgoings bills (not food etc just bills)…
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Help with an old debt!
Hi all, this is my first time posting so i hope i'm doing it right, anyway i just wanted some advice, about 15 years ago when i left uni here(and the country, difficult times) i had a loan outstanding, i would imagine that this would have then gone to court? defaulted? ccj? at my old address, i never received any further…
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At my wits end - Bailiffs
Ok dont know where to start I am in serious financial hardship I earn a take home pay a month of £1000. I have a 15 year old daughter and receive apx 300 a month through tax credits & child benefits. i have had a visit from the bailiffs ( I was out) I have rang their office to arrange payment of the outstanding council tax…
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Welcome Finance Help!
Back in summer 2004 i took a loan out for £1500 a few months after that i borrowed a further £1000 with my x girlfriend as a joint loan. We split in 2005 an i was devastated to find that with interest i owed them £6,000+ back! Since then although i paid my half of the debt for a couple of yrs she never paid a penny my…
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Student Debt, What They don't tell you!
Hi Guys need some advice. I graduated from Uni last summer. I then got a job as a web designer for 6 months. The company made me redundant due to lack of work so I set up on my own. I have been self employed for about 8-9 months. Work is ok but the company name is getting known etc and business will pick up with time. The…
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Negotiating with bank / debt collection agency
Hi all! I wonder if anyone has any experience that they could advise me on my situation... A few years ago I opened a Spanish bank account which I used for my Spanish wage to go in and out of when I lived there. I remember I used to have a couple of small direct debits each month - nothing very much though. I moved away…
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Bad credit rating
Morning, Please can you advise if you have defaults against your name do they dissappear after 6 years? Or do I need to do anything. Once they go will my credit rating be ok? Thanks for your help.
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Life after the getting debt free goal
Just because I like to plan ahead I was wondering,..... Once we get debt free, what's the plan?? What's the most sensible thing to do: Set up a savings account and get that built up as much as poss Set up a pension and get that built up as much as poss Work on getting mortgage free. Anyone thinking about this yet or got…
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Advice to clear my Debts.....
Good Morning Everyone. I have decided to create this post to try and get some advice of the best way to prioritise and pay off my debts. I work full time and bring home approximately £1300 pcm after tax. At the moment I am really struggling and find it difficult to clear the minimum payments plus pay for food and rent. I…
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My SOA
Hi all. I'm new to the forum although I have been lurking for some time. My husband and I have alot of debt. I can't honestly say why because we don't live extravagantly in our daily lives. I'm embarrassed, to be honest, and I want to end this now. I have done out statement of affairs and here it is: Statement of Affairs…
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Tuesday 16th August 2011 What small DFW things will you do 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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Mobile contract application help please....
Hi new here and not sure what forum this thread should have gone in. Anyway I went into vodafone and applied for a contract and realised that the person spelt my first name wrong. I'm now paranoid as to what affect that will have on me, I was declined for the contract, but will this add an alias? Will this make my credit…
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statued barred debt avice
Hi everyone I need some advice and hope you can help. About 10 years ago while at university I got into a lot of debt with various banks (mainly overdrafts), store cards, catalouges and credit cards. I did pay back a lot of what I owed but in the end it all got too much for me and i burried my head in the sand and have not…
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Council tax court order boss not paid money
My bil had a court order for council tax arrears to be taken out of his wages. This was done for well over a year but his boss who took the money never passed any of it onto the council so council have now started to pursue them again for money they have already paid. The boss has since gone bankrupt opening company up in…
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Ashley parks debt management
Does anyone know anything about this company? Thanks
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what to do next??
hi guys been reading this site for a while but need some help now iv been out of work for a while but found myself a good job a few months ago and now want to start to get my debts settled iv got 3 defaults on my credit rating all for under £500 each, i was thinking of offering a full and final payment on these but i can…
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Divorce and Debt Free
Hello everyone, My wife and myself have decided to separate and this has resulted in the house being sold. Although the deposit and mortgage payments were made solely by myself (wife worked part time/no time) unfortunately she is entitled to half. Not fair I know but I doubt I can do much about it. Anyway, we both have…
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The Plan - an outline!
Hello, Has been inspiring reading all the posts on this board - I've been a lurker for a few months and now feel that posting my own situation will spur me on to continue making the changes that I need. Had my lightbulb moment 1st January this year which made me realise that paying off just the minimum amount whilst still…
