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Direct debit
... I have finally admitted defeat.. I am drowning in debt. I have made my I&E sheets for each of my creditors...wrote them each a letter with an offer of payment requestion a standing order for the amount in my letter... Do i now need to cancel my direct debits even if I have not heard from any of them yet to agree to it?
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Stuck with a car on finance
Hi, I bought a car on finance a few years back and was happily paying it off and have paid over 2/3 of it off. However due to a large number of personal issues, I haven't made a payment for around 18 months. I'm now getting my life back together and am working on my debts. I now have a new job with a company car so I no…
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Please any advice
Hi so to cut a long story short I lost my mum 6 years ago and I got myself into a gambling addiction which I have now knocked on the head but this has left me in 7,760 worth of debt, these are payday loans, credit cards and overdrafts I really need help. I want to start a debt management plan but nobody seems to want to…
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Advice please
Hello all - I’m back after a little while away trying to shape up my finances. I’ve dithered around to be honest and still juggled so not really got far. However, I need advice again please all. My debts are £10,791 Lloyd’s loan - repay £343 a month £899 Halifax cc @ 26% - repay £40 a month £1918 barclaycard cc @ 22% -…
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Drowning in debt & need help
am 46yrs old today! I have a 10yr old daughter. My husband has been having numerous affairs, and we have now parted. I work approx 11 hours per week, on a Zero Hour contract, which is minimum wage. I am now on Universal Credit, I rent privately, which costs me an extra £130 per month. I have built up debt of £10,000 over…
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Make up to £10 a day in February 2019
Hello and welcome everybody :j This is the 138th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
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The DFW Birthday and Christmas Planning Club - 2019
Hey all, So I wanted to start this thread as I am terrible at keeping a track of spending on Birthdays and Christmas gifts throughout the year. I also need to plan better so that I am reducing spends, I tend to go overboard with the gifts because I buy throughout the year then forget what I have bought so just keep buying!…
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How to object interim charging order ?
Hi, I would appreciate any advice and help and how to object interim charging order and what I could use as an objection in my case to stop final order to be made against my house. Here is my complicated story: Few days ago I received notifications for interim charging order from the County Court which for my husband's…
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February's Bring Your Lunch To Work
Welcome to February's bring your lunch to work, hoping for lighter nights and lots of money saving :) Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 20 working days up for grabs. Let me know if you want to join in…
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NST February frugality and frolics
NST February Frugality and Frolics Darwin's theory and the phrase 'survival of the fittest' is often misunderstood. Some people assume that those who are physically stronger can/ will ride roughshod over those who are 'weaker'. In fact survival is not a matter of physical strength. The 'fittest' means those who are most…
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Fabulous February's NSD challange! Join in :)
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of February. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1.…
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Some wisdom needed
If you had a nominal debt of 5 grand but then found out you had items in the house worth 4 grand and are (statistically/potentially) only going to go up in value over time. Would you sell and clear the 4 put of 5. Or keep and plough on working to pay off. Even though work is a little up and down and slow at times. Just…
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Interim Charging Order on Mortgage shortfall
Please help me... I had a court order (CCJ) against me back in May 2006 for a house worth £220k. The house was sold in 2010 and there was a shortfall of £35k. Yesterday I received an interim Charging order (dated 21/11/2018) on my new house from the solicitors of the lender dated 1/2/2019. Their application to the courts…
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Save a penny a day 2018
Hi all I'm planning on following the penny a day challenge again this year, as it really kept me motivated to save. Below is the link to the thread from last year. https://forums.moneysavingexpert.com/discussion/5578213 The basic idea is that you save: 1p on the 1st of January 2p on the 2nd of January ... £3.65 on the 31st…
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5 a day to save away
So I've decided I'd start my very own 5 a day challenge to help me make savings to my household budget and or/earn a few extra ££'s. Each day I aim to do 5 little things which will help me with my goal so lets see how long I can keep it up for:)
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2018 1% Challenge - 100 ways to make your 1%
Welcome to the new home for the The 1% Challenge - 100 ways to make your 1%. Little Miss Uni debt started this amazing thread, and I’ve copied below her first post from the previous thread: What's it all about? Basically the idea is that money comes to us in lots of small ways and we don't often realise it. When faced with…
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Jan 2019 selling challenge
Hello! This is my new attempt at hosting a goal, first popped it on in 2015 I think, if there's already this one then please let me know and I'll hop over and join it but I did have a search though.. I know I have things to sell, and I know I need the money, but I just don't seem to be able to get motivated, I'm hoping…
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Januarys Bring Your Lunch To Work
Welcome to Januarys bring your lunch to work, hopefully Spring is just around the corner :D Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 23 working days up for grabs, if you are unfortunate to be working New Years…
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HELP!! Wont give me anything in writing
Please can anyone help. My husband is trying to resolve a debt issue with the bank. A debt collection company has become involved and are negotiating the amount to be repaid. However, each time my husband asks them to put the offer in writing they refuse. How can we progress this? any help appreciated as we are getting…
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Make up to £10 a day January 2019
Hello and welcome everybody :hello: So, new year, new financial goals! Let’s see what we can achieve together in 2019. This is the 137th month of this challenge, which was first started by Batgirl, in September 2007. Here is a link to the original thread as I am sure some of you are interested to read where it all began.…
