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Any suggestions gratefully received! SOA
Hello, I have been looking at this site. for a couple of months and sat down today and finally worked out my outgoings etc, seem to be ok on paper but dont have any money left at end of month Income £2295 Me £975/month Partner £330/ week, monthly about £1320 Outgoings (main ones) £1609 TV licence £13 Council Tax £131 Car…
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Pre-Pay gas and electric meter?? yes or no??
Ok do i give up my dd, gas and electric to get key/card meter? I did have a one years and years ago but i was on income support and got paided weekly, tho i do actually get tax credits weekly but through the bank not cash through post office! Think it would help me to keep an eye on my consumption of energy, and its one…
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My S.O.A. Please somebody HELP!!!!!!
After putting my thread on yesterday it was recommended that I do a statement of affairs, It took sometime but here it is. Im selling my house because I took on a mortgage which has proven to be too much for us to handle so ive changed to interest only to try and help matters, I also have a secure loan on the mortgage…
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Cccs
Has anyone used the CCCS site? I'm just looking at the Debt Remedy section now where you fill in your details and it says you get a Debt Remedy booklet - is this electronic or does it come in the post? If it comes in the post - does it say CCCS on the envelope or anything about debt on the envelope? Just because I want to…
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Any advice would be great
Am new to the site and needed some advice and someone kindly pointed me in the direction of this board and the friendly users on it. I have a barclaycard with £3500 on it (limit £5600) and Halifax with £3800 on it (limit £7900). I am paying 26.75% interest on Halifax so really want to get rid of this one due to cash…
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Is it possible to make...
£720 EXTRA a month??? This is how much extra a month (roughly - not taking into account interest rates etc.) i would need to pay on my debts to get clear this year. I dont need to clear them all this year, it would just be really good if i could (Christmas 2008 could then be a bit less stressful!). I am currently selling…
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Former Student, Wanting To Get Things On Track
Hi Guys, I wonder if any of you can help. I stopped being a student in 2006 and six and after the bank doing their normal job of getting students into debit I was left with a £2.2k overdraft which they pressured me so much I had to take out a loan to cover it. As well as some other bits and pieces, shoppng credit debt,…
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Desperately need to move - please help!
I have been posting on the HouseBuying board as a bad situation where I live has just become even worse and I really need to get out quick but am worried about the costs involved / implications later and I know you guys know all about debt (ha! so do I!)
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MBNA, CCCS and ‘Top Ups’ any advice experiences needed
Hi all, Haven’t been on here for a while. DMP with CCCS seems to be mostly moving forward. Lloyds and Capital One accepted the proposals and have stopped interest and charges (I have checked my statements) HOWEVER, MBNA have refused the proposal so will continue charging interest and fees. A lady called me earlier, they…
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Option 1, 2 or 3... (i sound like a game show!)
I worked out 3 options for paying back my debts. I have a loan and credit card with HSBC, and I owe my mum a lot of money as well. :eek: The 3 options hinged on when my mum needs her money back etc. Anyway i spoke to her last night (she said she felt like she was on a game show with me and my options!:rotfl:) and she has…
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Compulsive Debtor - help!
Hi all I dont know what to do or where to turn to. I'm hoping someone can offer me some advice before I lose everything. OK, I admit it - I'm a complusive debtor and have been since I was old enough to earn money. It's getting to the point where my partner will probably leave me if she finds out that since the last time I…
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Has anyone ever seen Martin in a shirt that isn't stripey?
Just a lighthearted poll. Has ANYONE ever seen Martin in a shirt that isn't stripey, my OH and I have watched every pod cast and everything he has been on and never seen him in an unstriped shirt, just wondered if anyone else has! Also do you think stripes are the secret to his moneysaving? Are stripes Martins power like…
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New Beginning
Would just like to say hello to all here.Promised myself that Jan 2008 would be the beginning of tackling my depts, so here Iam. There is so much info what brain cells I have are now overloaded and crashed, I'm not really very good with computers either:confused: I'm not the brightest of people but trying hard to…
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Making extra cash...?
I'm so sorry if this is blatantly obvious, but it's early days for me so excuse my thickness lol.... Anyway, what I wanted to know is where to look for money making ideas? I've noticed on alot of sigs people are raising money through various means, like selling on ebay, cashback etc. I could really benefit from making a…
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Court date set for the 23rd- struggling with forms
Hi readers, I had set up a full and final IVA which was accepted in October 07. The house had been on the market since March 07 with about £25,000 equity to give to various debtors that amounts to £51,000. The fixed mortgage deal I was in finished in November pushing my mortgage payments up from £600 to £1000. All the…
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time for battle to commence
well dont know if this is exactly a lightulb moment but we will see, after 6 months of robbing peter to pay paul and getting nowhere fast apart from stressed and depressed think its time to sort somethin out. a little background first if may be so bold, i split from my wife in july 07 where we had a joint mortgage of…
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Help Please..T-Mobile Bill-Lowell debt collector
Hi Please advice me on this matter.... T Mobile and Debt Collector I had a mobile contract with t mobile for about 6 years and but couldnt make a bill payment over 2 years ago when my marriage ended. the amount was £273.30. I phoned T Mobile and they refused a payment of £50 a month. I didnt pay and I received 1 letter…
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Bit of a blonde credit card question!
Hi I was wondering if anyone could help me. I have a laptop on credit (see sig for outstanding amount) it's at 29.9% APR (I know terrible!! But it is Curry's standard rate :eek: ) I was wondering if it would be worth applying for a 0% credit card to reduce my APR (I have no idea if I would be accepted, but I'm willing to…
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I'm new! Be nice!
Hello :D I'm not exactly new to the site but very new to the board - I'm Natasha, I'm 24 and I got my "Light Bulb Moment" about two days ago when I thought, enough is enough, time to sort out my mahoosive debt! At the risk of sounding like I'm kissing butts, I wanna say a massive thank you to everyone on this board - it…
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Feels like I'm naked
Hi Everybody, I joined yesterday and put up my debt plan, but was too scared to put up my SOA .... not because I'm ashamed of it ... more because I've never had my finances scrutinised like this before (so please be gentle with me) ! So here goes .... loads of advice would be appreciated .... I want to clear my credit…