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Dont know where to start!
Well its time to admit the trouble im really in! Ive been lurking aroung here for months feeling smug with myself because I thought i had my situation under control when really the full reality of the hole I am in has just hit me and I am so ashamed and disappointed with myself :o I am at that horrible stage where I am…
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whatever can i do now ??? so worried
well i dont know how many of you read my last thread about my IVA company being stupid but to sum it up, they have miscalculated the arrears i owe, they say its 966 but in reality its 494. ( i know arrears are bad but it couldnt be helped) i have now spoke to them for hours and sent 2 letters explaining their error. its…
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Removal of money without permission!
Hi I need a bit of advice? A friend of mine has a bank loan which he hasnt paid for a while and has been passed to a debt collection company. He has written to them to make arrangements to pay and explained his situation. He had a small amount of money put into his bank a/c from a friend to help him and the debt collection…
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Hope It Helps Someone
hi, am on a dmp with the debt advisor (been so for about 1 year) since finding this fab site and hearing about the charitable sites cccs, etc finally took bullet and called them last week to see if they could help me instead, they were fab, going to take over my dmp and even better say i should be ok for an IVA which is…
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Hello from new person!
So I've had my lightbulb moment and have joined MSE for a bit of moral support. Looking at the advice for new bods I think I have to bite the bullet and post the following (grits teeth) Monthly Incomings: My salary - £1354 Benefits - £0.00 Total - £1,354 Monthly Outgoings: Mortgage/Rent - £250 Council Tax - £110 Gas - £20…
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Urgent help needed to avoid drunken Ex invading family home(see from post 31 please)
My sisters partner(not married) left the home they shared after violence and other things...he has a flat of his own, and wont contribute anything to the home they shared. There are 3 kids and a mortgage... He took a 3 month payment holiday and was supposed to be restarting payments last month. She has just found out he…
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debt recovery firms
Hello can anyone help me with these firms? ok - My debts have been passed to these via powergen & BT 1st off i wanted to transfer gas & electricity for a savings and went ahead then powergen tell me i owe them 300quid as they are undercharging me!! doh - they pass the debt over to debt collector. ok BT similiar thing - i…
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Hello all
I am Mike and I wish this site was about in my darkest days! 8(ish) years ago my debts were over £25,000 and the thoughts of ending it all were not only made but actions had started (I intended to slit my wrists in a nice warm bath) the bath was run, the knife was selected and place in the bathroom (for some reason I even…
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I've made £360 in the last hour!!
Woohooo... That's £360 towards my debts. £350 for a scooter that's been lurking in my garage £10 for a load of Barbie stuff I've found lurking in my attic! Now to decide which debt to pay it off...should I put it all towards my RBS overdraft (£900 OD) or split?
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Creditors STILL chasing ex-husband after 2 years
*sigh* Where do I start? I'm afraid I have half a novel here for you to read, but it all seems rather necessary, to provide you with some background about just what my utter @rse of an ex-husband has put me through, and what he's still putting me through. He left me in March of 2006 and since then he hasn't paid a penny…
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how much for food budget
Just wondered how much per week would you say a sensible food budget should cost for 2 adults & 3 children ?
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ivehadenough: We are concerned about you
starting new thread to raise profile of the original post - ivehadenough http://forums.moneysavingexpert.com/showthread.html?t=724783
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Finacial Ombudsman and a Court claim - can they both happen at the same time?
Hi, Due to the fact I lost my job, I arranged a lower monthly payment plan with RBS on a loan I had. This was going fine, but then out of the blue, they demanded me to pay the full origonal amount. I felt this was unfair, so I complainted to the FO. RBS argument was that I was back in full time employment (but im still…
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Switching utility suppliers - is a credit check done?
Hello all! I'm comparing prices and considering switiching my Gas and Electricty suppliers. This may sound a daft question, but with my current supplier I pay a fixed monthly amount by direct debit, and I want to do the same with the new supplier if I decide to switch, but will this be dependant on credit checks???? I'm…
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Lowell financial - chasing me for someone elses debt
Can anyone give me any advice please. Lowell Financial are continually chasing me for another persons debt - the person has the same surname but a different first name. Lowells have said the address matches mine. So far we have not received a single letter from them or anyone else concerning this so called debt but are…
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Can I ask what might be a very stupid question?!
Hi All, I'm going to ask what might be a very stupid question. I joined Quidco the other night on the advice of someone on here for my pet insurance. And took out a policy with Halifax that had £20 at the side of it on the advert on Quidco.:embarasse Stupid question....but how exactly does Quidco work in lamens terms??!!…
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red debt collection (help)
help!!! I have received a letter from Red Debt collection agency in my maiden name, I have been married in my new name for 25 years and live in our house for the same amount of time. i have replied that I have no knowledge of this debt £1300 owing to Barclaycard. today I received a letter offerring to reduce the debt to…
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Do CDs sell on Amazon?
Hey all, Just wondering if anyone else has experience of this! Got rid of loooooooooooooooooooooooooooads of books on Amazon, and have a box of CDs to tackle next. I was thinking though, what with all the downloading and all whether anyone would buy them these days. Has anyone else managed to sell CDs on Amazon?
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CCA Request - What Happens Next?
Hi All, Not been about for a few days; busy, busy, busy!! Hope everyone's good. I've just got a quick question that I'm sure someone can answer! I sent a CCA request to Lowell Financial, because I had a sneaky feeling that they would be the one creditor of all of mine who couldn't supply it. Their 12+2 is up tomorrow, and…
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PaP/Moozie's What will/have you spent today Friday 15th Febuary thread
Morning all:hello: Should be a NSD here:rolleyes: Hope everyone has a fantastic and ferocious Friday:) (but not too ferocious:rotfl:I hope). Take care of yourselves:)