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Warrant for Execution
Morning All, I have received a letter this morning from my creditors solicitors stateing that "they have been notified by the county court that I have been served with the proceedings issued in behalf of their client"... Which I already know as I have them in my hand, however they also say I have until the 22nd August to…
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My Story towards being Debt-Free!
Hi everyone! :) Been on the boards for a year or so now and been learning a lot from you guys and many have helped me a lot personally (zx81 in particular) :) Started chipping away at my debts after I lost a legal battle with a previous employer about holiday pay in County Court last November. It was only for a relatively…
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CSA using tax credits - i need help
Hi all, My husband has a daughter and we have 4 children together. We have always paid for his daughter as soon as we found out about her a few years ago but we have never met her and do not know where they are so cant talk to mother direct. My husband lost his job at the end of last year. We notified CSA and they sent a…
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CCJ - What happens?
Hi all, I'm new here, well, I've been a lurker for a very long time but finally I decided to sign up as this site already helps me save money without being a member. Being one will hopefully help even further! I am currently trying to get out of debt, my debts are nothing too big (mostly student ones) but over a year ago I…
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Help and Advise
back in march i went full time with my new business. a month after packing up my day job things started to go bad and im now only making 1/4 of what I thought I would so need to tighten my belt up a little until things get better. I currently have credit card debit listed below. MBNA # - £650 HBOS # - £1875 Mint # -…
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Tuesday 9th August 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. :money: But once we have done the bigger stuff, we often feel that we are not making the same amount of…
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Help Please - Lloyds taken savings for arrears.
Hi there, I have been in an agreement with Lloydstsb for 6 months, they didnt stop my interest but let me make lower payments each month against a loan. I called following a letter last week to re-set up another 6 months agreement and confirmed that the financial statement was unchanged. The next day I received a call and…
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Orange & Three, retrieval of account details - second LBM!
Hiya everyone! Ok, so I posted in here a while ago, having had my first lbm, but I didn't take it much further if I'm honest... But now I'm living with my fiance and we're beginning to plan our wedding and are looking towards the future, I think it's something that we have to do. Now, we are both entitled to apply for a…
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1st time moving out... Help me budget!
Ive just been accepted for a 2 bed council flat! I currently live at home so unsure of what to budget for with bills etc! Ive worked out a predicted SOA - But not sure how much to put for things like Gas, Electricity, Water etc Wages/Benefits are paid 4 weekly, but calculated these by x13 /12 - wasnt sure if should put in…
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Mortgage Worries
My mortgage is with Natwest (on interest only at the moment), but I also have a 9K credit card debt and 1K overdraft with them. They are my current bank, so I know I need to change bank accounts. Could my mortgage be affected if I only pay nominal payments on other debts with them?
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Thank you all for the strength
Just a quick thank you to you all for the support This evening I am finally typing up how much I owe and how I'mgoing to tackle it Thank you x
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Where is the Debt Now?
Hi Over the past couple of years we have been getting on top of debt repayments and have a self managed DMP etc. However one debt does concern me. It was an Egg Credit Card which had been passed to Fredrickson International. In October 2009 I CCA'd them (as I did all creditors). The CCA came back OK and I continued to make…
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Welcome Finance Default
Hello peeps, Though I got some good news that WFS mis sold insurances to me and compensation has been paid (search my previous posts), I have now been handed a Default notice by WFS for non-payment. The Default was issued on 3rd August 2011 and no pre-default warning notice was provided prior to this date. The last…
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Prob a very stupid question!
I am currently in a substantial amount of credit card debit, which I am unable to pay, so will need to consider my next move. However, one concern I have is when completing my SOA, as I want to include my son's swimming training fees. He trains everyday (sometimes twice) and has done for 7 years. The prob is the cost of…
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Dorothy Perkins
HI i have not posted on here for a good wee while. I am finally getting back on my feet again after a long haul. I had the wind knocked out my sails today. I noticed that Santander had not taken their payment for July for my dortohy perkins card When I called them to asky why i got an automated service reply to say my…
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Advice on what to pay off first (or save instead)
Hello, im a self-employed person with 4 credit cards and a 6.6% loan outstanding. Ive been really good with the credit cards and have just under £8000 spread across each of them but ALL with 0% interest thanks to stooging advice from this site. I also pay off around £150 to each rather than the minimal amount. I also have…
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No self confidence.. Life seems a mess
Hi Im starting uni in september as a student nurse, worrying about money and seem to always be on the breadline :( wondering whether to give up my car but then im worrying about how to get to placements which would be one for two weeks in December plus more throughout the year. I will be at salford uni. It would be fine…
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Tracking down past debts.
I have debts going back years, everything from unpaid Council tax, bills and credit cards. I ran up these debts over a period of five or six years when i was a naive student but now i would like to try and work my way out of the mess i've created for myself. Does anyone know of any way to get a list of all of my debts and…
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What's Just Not Worth Scrimping On?
Hey all, I always try to shop around and find a bargain, shop efficiently and cut back where I need to. I was just wondering if any of you have found any areas that it's just not wise to scrimp on or that you allow yourself just one last luxury in your life no matter how small! :p The only things I can think of are :-…
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Running myself into the ground - taking on too much!
I have been doing really well at clearing my debts using my wages however extra work has been offered as i'm on holiday at the moment and in the evenings when i was working. I can't afford to turn it down as its money! however i'm running myself into the ground and am shattered. I agree to things at the time and then wish…
