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Help & Advice Wanted
Hi All, My situation is I am on a low income supporting both myself, my wife and our daughter of 2yrs of age. And we have an increasing large debt which we are struggling to find ways to pay. Our debt is as follows; Egg Loan, app £11,000 Lloyds TSB loan, app £5000 Mastercard, app £4,000 We currently have an agreement with…
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Socialising - what do you lot do?
Hi there, How much do you spend on your social life (or did spend before lbm). I find that the majority of my debts are spent from me thinking "oh heck, life is too short, just enjoy myself" and then face the consequences afterwards. :beer: That is how I got into trouble with a credit card. And to be honest, what do you…
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Free Pampering Treat Girls!
OK a while ago I posted a thread asking if anyone could do with a free pampering treat courtesy of some well known feminine care products. I now have two vouchers but again sadly, no-one near me (salon wise I mean) can help out. So, if you take a look at this site and if you want the two vouchers, please PM me your address…
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debt
Since Ive Found Out About This Site Its Been Like A Breath Of Fresh Air ,i Thought My Problems Were Bad But Reading About Some Other Peoples Problems Mine Seem Minor.anyway I Posted A Question On The Site And Got Some Good Advice About Iva's And Debt Management Programs And After Talking To The Cccs I Started Thinking…
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Credit Card Debts
Hello I have been reading this message board for a while now and it would appear that we are in need of advice. Background: I have recently been made redundant from my company, where I have worked for 41 years. I have credit card debts with Barclays, on two accounts totaling £21000. Owing to my age of 61 and a bad hip, it…
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CCJ's & Time Limits
Hi, I have finally been able to get myself out of a whole nightmare of debt by selling some shares in my company and changing my mortgage. So i got a credit report today and i have paid off 5 CCJ's, but to my horror there was one on their for £4400 that i had totally forgotten about and i haven't received a thing about…
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GonnaBeDebtFree By Dec 2008 Diary
Hi, I've been reading the forums over the last month or so, and been getting great tips on how to tackle my debts. Currently I'm expecting to be debt free on Dec 2009 and I've worked out that I need to put an extra £200 towards my debts each month to enable me to be debt free by Dec 2008, which I what I want to do. My…
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bankruptcy and how it affects your partner
Hi everyone, first let me explain ive never done this before so its all rather new for me. My partner owes money which he cant afford to pay back and i have told him to look into bankruptcy as a way out as i cant see any other solution to it, but he thinks the bailiffs will take my belongings aswell as his so wont even…
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Food shopping bill target for young Family of 5?
If I've posted in the wrong place, feel free to move me! Hi DFW's, I've spent many an evening reading your posts and using the advice to work on my debt problems. My spending in most areas is under control, but for the frequent trips to tesco, which seem to mount up to a hefty food shoping bill every month. Theres me, the…
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rather long SOA
Double post sorry
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New SOA
Hi, Have spent all day doing this however I think I may have sorted something: £2,609.76 Total income Total outgoings: Royal Bank Of Scotland Mortgage £724.98 Council Tax £90.00 Home Content Insurance £30.51 Water Rates £25.64 Gas Bill £30.00 Electricity Bill £25.00 Home Phone Bill £20.00 O2 £40.00 3G £40.00 Internet Bill…
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Payplan rejected me!! HELP!
I've just got off the phone to paypla and they said they are unable to help me! Im gutted, what on earth do i do now??
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How Do You Calculate Net Pay
Salary of £26,500, what would be net pay after all the dreaded reductions? Thanks guys.
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Whats best?
Hi everyone... My DP works in Sales and his commission goes up and down at a faster rate than a yo yo.... My question is... what should we do when he gets good commission?? should we offer it up straight away as an additional "one-off" payment, or put it in a seperate savings account and build it up for a year and then try…
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AQA is recruting in the UK
Just incase you hadn't seen, AQA are advertising vacancies in the UK Well they were on Tuesday 17th Oct :heartpuls CG :heartpuls
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refused cataloque!!
Was told to get my credit file! Will this refusal go on my credit file, like a refusal of a card or loan? It was Littlewoods.
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Newbie
Hello I didn't want to crash in on one of the existing threads so thought i'd start here. It's good to see so many supportive people out there in the same situation and working so hard to get out of it. I'm seriously impressed with how much debt some of you have cleared. My situation isn't really that extreme, i've just…
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Old Debt help
HI, I have been made aware that if you have a debt and the company chasing you for the money cannot provide the original credit agreement the debt cannot be enforced, is this true? I called the company which is FCM (first credit management) asking for my agreement and they have just sent me a staement instead, should I…
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Bit of advice please
Hi i've been having a look at some of the various forums over the last few days and seen just how helpful and supportive you lot out there seem to be, i was just wondering if there is someone out there who may be able to give me a bit of advice. To try and cut a long story short, between my wife and i we have accumulated a…
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Me, my money and I...SkintMonkey's debt diary...
I've decided to start a kind of money diary thread, where I can post my ins and outs (?) and generally what I'm doing about my money. I thought I was addicted to MSE/DFW for a while, but since I revealed all about my debt to my husband I just can't get off this site, so hopefully wont have any trouble in updating it. So at…