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Hopefully a bit of hope for you all
Well so far I'm getting there on my debt free journey. My credit rating has been shot with 36 - late's, very late's and you silly person why haven't you paid that, Had my lightbulb moment in November and been making small overpayments. However slowly but surely my credit file is getting better. It's going be be a long time…
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Please share your spreadsheet knowledge...
I [STRIKE]want[/STRIKE] need a spreadsheet! I've read SO much about people doing wonderful things with them and i'm feeling the need to get into far more detail with my budget and all the in's/out's that happen. Please share your knowledge wise people :D I have no idea where to start :o Are there downloads? Did you built…
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looking for inspiration
hiya struggling on, like the rest of you. Just wondered how to handle the rest of the month if anyone had any tips. As things stand, by the end of the month, i will have £1290 left after all my bills, which i am going to save then hammer the debt next month and get rid of most things. I just want a wee bit of savings…
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Which Bank?
Hi i am hoping someone can point me in the right direction of finding a list of which banks and credit cards are joined ,im wanting a new bank account for my dd to go out of but as im on a DMP i want to make sure none of my debtors are connected with the bank i choose ,ive been accepted for a basic account with rbs and ive…
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Struggling - anyone else have this issue when starting up?
Hi all, Well today both Mr BR and I have been in tears as we just feel like we're not coping on the current budget at all. I've also discovered that although we've got £20 down for water per month, it's actually £60 and so we'll have to get back onto CCCS again and ask them to change things. We just don't seem to be coping…
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Help - Advice needed
Having a bit of a nightmare this weekend - have to get two new tyres - totally unexpectedley. This will leave me near enough skint until the end of the month as it was unforeseen and I didn't budget for it. Going to be so skint now until I get paid on the 29th - two and a half weeks away. Any ideas on things I can do to…
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Paying minimum payments- will they write them off?
I have alot of credit card debt to 5 creditors and have been paying them all £3.00 per month for nearly a year. I owe around £20,000 between them and am only knocking £36 a year off each one. What happens with these kind of debts? I am unable to return to work and just wondered if they carry on accepting these payments…
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Acknowledgement of debt
I am getting differing answers from various sites on when you are statute barred. Most say that it is 6 years, or 5 years in Scotland, from when you last made a payment. I have not made a payment in that time. However, others say that if you acknowledged the debt since then, that is the date they use. I got a letter from…
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Advice Seeker
Hi All, I am new to MSE, I am seeking some advice regarding debt. My household income at present is £2100 but we have a total debt of approx £1900 this is split between the following debts 2 Credit Cards (£5700), 2 Store Cards (£3300) and 2 Loans (£8000) + Overdraft (£2000) Can anyone give advice of the right way forward,…
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Paying off a loan
Hi everyone, I was wondering if anyone could help us? We have a loan with the Halifax with we took out in June last year to pay for a car, we borrowed £7,000. This is over 7 years and we have monthly repayments of £134. The APR is 15% and we will end up paying a little ove £11,333 back! We have been trying to think of ways…
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Can anyone please help?
Hello, I'm hoping someone can help me please. Me and my partner are in a lot of debt. (Over £50,000) We are a homeowner but have no bad debt/credit, never missed a payment etc. But it has come to that time now that I am really stuggling to cope with the fact that the debt isn't really going down. We have 2 loans which will…
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Joint loan to consolidate partners debt?
Hi, My partner and I live together and he has recently asked me for help to sort out his finances. He has roughly £9000 in debt across 3 credit cards, an overdraft and a personal loan. He was hoping to take out a personal loan over two years to consolidate his debt into one payment. However, as he has recently gone back to…
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forgotten debt?
hi, in 2006 i had a long term relationship break-up, it was nasty, basically after working every hour for the last ten years building up a lovely home went down the drain, anyway after having a perfect credit record, the break-up took its toll on me and i went off the rails somewhat for the best part of a year, heavy…
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Just had my LBM
I posted last week...basically have got myself in to a mess. I have had a terrible year really which meant getting made redundant, having to take a fixed term contract in a job I hated, with a manager that made my life hell....(lasted 10 months). Since October I have been fortunate to get a job with a big organisation that…
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Advice please!
Will try and make this as to the point as I can! 2005, ran up a £1084.67 bill with a cataloge. With some other debts decided to go with a DM Co (Harrington Brooks) Have paid every month since then (albeit small amounts) never received any statements from HBs but received statements from the company's I owed moneys to, but…
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Full of dread want to work things out
Hi I'm new to MSE, I've been looking for some specific advice on the loans forum but I think here is actually where I need to be:) I had my LBM a couple of weeks back: husband and I owe about £32k between us (excluding mortgage) and I feel sick just thinking about it. I mean really horribly, pit of my stomach sick :(…
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A bit more help
Good morning. I recently recieved a letter from dlc stating that I owe them a certain amount of money. The money that they are asking for is from a dept that I know should be statue barred. So, I sent them the 'prove it letter' that you guys kindly supplied. As you know, in the letter it asks for them not to contact me…
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Partner's debt/ Family issues
Hi guys, I myself am debt free (I do now have a Barclaycard Initial with a small amount owed just to build up my credit). My partner owes £15,000 which does not include his student loan which automatically deducts from his wage each month. This amount has built over the years from him just paying off the minimum each month…
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Credit file
If a debt is no longer showing on your credit file, does that mean it is statute barred and debt collectors have no right to pursue you?
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Aktiv - statute barred Scotland
I have a debt of c.£4500, originally a Morgan Stanley card. Aktiv, I think that's what they're called, sent me a letter offering to allow me to clear the debt for £1700. I haven't made a payment for at least 6 years, however, when I changed address in 2008, I wrote to them informing them of my new address. I have heard…
