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Hold on tight . . .we are in for a bumpy ride!!
Hello all, Thought this would be a really good idea for me and i need to share my little "accomplishments" as i have no where to express my joy! I wont bore everyone with the ins and outs of how we are in the horrible mess we are in. The short version is my partner owes around £70,000 which has been mounted up to due…
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flower power's quest to be debt free
Hi I have eventually decided to start a diary. Have used MSE for a while to get good deals for various things and also been a lurker on this forum but at beginning of January this year took stock of our financial situation. Have managed to do a few things from start of this year to cut costs like switching insurances,…
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MOTOR INSURERS BUREAU brings in the debt collectors. Advice needed please!
:( Hi can anybody help advise us please? My husband received a letter yesterday from CLOSE CREDIT MANAGEMENT DC's, acting on behalf of the Motor Insurers Bureau, saying he owes them £43578.52. It seems the MIB paid out on an accident he had on 05/06/2003. The MIB are saying he was uninsured at the time. He had a producer…
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general wafflings of a debt free wannabe!
Ive decided to start a new diary on here as i was terrible at posting on my old one and i feel a new lease of life when it comes to debt busting!must be the new year effect I have racked up a £4866.06 on my dreaded Barclaycard and since Christmas ive got back into my horrible reserve on my current account to the tune of…
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letter to creditors---help---
I have just joined Payplan and have downloaded the letters i have to send to my creditors. The letter states that i cannot meet the minimum monthly payments, but i have to write the reason i cant pay these payments, and i am unsure what to write. Has anyone any ideas please.:eek:
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My Journey to becoming debt free
I'm new and have decided to start a diary on here to help keep myself motivated. I have built up debts of £21070.50:eek: and have recently joined a DMP to try and get them cleared. Some of these debts are joint with my OH but mainly mine. Getting CC was the worst mistake of my life and I wish I had never had them - as they…
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Climbing out of the hole I call home!!! Lizzie's 2011 Diary :)
OK so I know it's not quite 2011 yet, but given todays events I feel I need to start this diary right now, and write in it every single day come hail rain or shine to keep myself motivated as I make my way through the challenging next 12 months. As I stand today, Thursday 23rd December 2010, my wonderful amazing dad has…
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a fool and her money are no longer going to be parted!!!!
Sooooooo I came across these boards in a blind panic on 18th Jan 2011 when I totalled up my debt which stands at Credit Card - £2900 Overdraft - £1800 Personal Loan - £1640 Total is £6340 Not horrendous but not good either. Especially as I didn't realise I owed that much :-( Reason for my LBM???? I am getting married later…
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child maintenence, can it be back dated
im writing this on behalf of a friend. her story is this. she has 2 children by different fathers. neither of the dads has ever given her a penny in maintenece. they do have contact with the children, one sees is son every weekend and the other about once a year. my friend is struggling financially and has suffered a…
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Dreaming of Freedom!
Well, Where do i start? As the title says, I'm dreaming of Freedom... Freedom from this horrible debt spiral we're in. Perhaps when I finally achieve it I might shout out in a Mel Gibson sort of way?! ;) I don't know if its possible to have more than one light bulb moment? I thought I had one about 3 years ago, but funnily…
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Debt Free Diary / The Moving Out Savings
Right, so i've been talking about moving out of my parents house for years and now it's time for action. I am here because I get paid on the 27th of each other and I spend ridiculous amounts and end up scraping the barrel (today is the 6th and I barely have a penny to my name!). So, there's not alot I can do this month,…
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January 2011 spending diet
Hello :wave: (not sure who I'm saying this to???? maybe myself!) I have been musing with my friends on the small things thread and have decided to embark on a diet for the month of Jan to kick start my finances for 2011. Hopefully this will counteract the expensive month I've had this month :eek: (my birthday, my dds…
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Ho hum!!! Time to bite the bullet and get sorted!
I need to have some form of focus over the next ten weeks or I am going to end up in a big pile of do do!:eek: And so, like many of you, I have decided to start a diary. I am hoping that with your help and support (I am a positive thinker...so only positive thoughts please:)) I will get through this tough patch. I am a 42…
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Gembo Bagin's personal Mr Motivator...without the lycra!
So where to start...? Both my husband and I have been really dealing with our debt properly since August 2009. We had our first son in May 2009 forcing us to really start thinking about the coming years and next babies! As you can see by my signature we are really making progress. This year my husband and I made the very…
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Destroy the mountain one coin at a time!
Having adding up all my figures and realising i really shouldnt have allowed myself to get in this mess! Im now on a mission to clear my debts over the next couple of years. (The worse thing about this is £1k of it was for trying to help a mate out of a similar mess 3 years ago. and £2k of it was to install a boiler that…
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Anyone know about DORE
Hi all As this problem will put us into debt I hope that someone might know something. to explain we have had some issues with both DS's. Navigating your way around the options over here is a bit labrythine to say the least. we went to a session run by the DORE organisation. https://www.dore.co.nz but this is the nz…
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Kayleighpea's Journey to Debt Free!
Hi All, I did start a diary at the beginning of 2010, but lost my way a few times as we all tend to do. So New Year new start! A brief history: I got into debt when I went to Uni - a ridiculous amount :( thankfully my dad stepped in and took the majority of it and put it on a 0% Credit Card in his name back in Oct 2008. If…
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Jamiedodger's 2010 Journey
Hi all, a bit late in the day I know, but as my computer broke in early January, I haven't been able to get online much. Now I am back, I wanted to start my new diary for 2010. This diary will contain all my usual ramblings but hopefully no one will fall asleep:D Hope to see the usual suspects and anyone else who wants to…
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**Amy**'s Shiny 2011 Diary!
Hey All Well, Im back... again!! I kind of lost the MSE plot a bit a while back, however, I started sorting out my debts and credit report last year when I decided I wanted to buy my flat. I am 27, 28 this year (eeep!), I have 2 cats (Dylan and Monty), and have a lovely boyfriend, at last :rotfl: *The Debt* The debt is a…
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Start 2011 with paying off important debts
Some of you May have seen my SOA BUT it wan't 100% accurate, I posted this morning to mention the steps I have already taken, BUT Will repost here. Phoned Council Regarding the outstanding Balance of 547, (some Benefit Overpayment) was called back and told to speak to CAB and set up a SOA with them as they work closely…