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How can I get a mortgage with bad credit??
Hi everyone!! I'm new to all this and was hoping someone could give some advice. I currently have my debt in a management programme, took me far to long to do, but its done now! As a result of my debt i have a horrendous credit rating, no ccj's but a lot of defaults. I really want to buy a house and have no idea where to…
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debt adverts
is it just me? is there more and more debt consolodation adverts and iva's etc. ive noticed during the day thats all they advertise well..... along with the charity appeals, only £3 a month rrrrrrr it really annoys me
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Developments and a request for help.
:confused: I've had my suggested budget through from CCCS. And I've got my new bank account set up. I've started the transfer process to move my DDs and standing orders and salary across, but I'm guessing it will take a good 3-4 weeks to get it all done. The budget looks manageable, and once I've moved banks and stop…
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anyone help
i have debts of around £22,000 which i currently pay pay plan £220 per month. the largest debt being 14,ooo to bank of scotland which have passed it to blair oliver and scott. not having consulted any solicitor and not getting any answer from cab or pay plan what is the worst case scenario they can do?, i will gladly pay…
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20.5.07 what small dfw thing will you do/have you done today?
Hello lovely DFWers!! When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same…
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Goals for the week w/c 21st May 2007
Morning folks. Last week's goals: http://forums.moneysavingexpert.com/showthread.html?t=451540
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weekly goals for w/c 13/05/07
Well another weeks over and a new set of goals need to be set, everyones welcome and hopefully it will change our live with regards to debt/home/work/study... this is last weeks thread to find your post last week ~ http://forums.moneysavingexpert.com/showthread.html?t=446051 good luck everyone and dont be too hard on…
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DFW Sunday Confessional 20th May
Forgive me Martin, for I have sinned... Herein is the thread to confess your wicked non-DFW/MSE sins.... Repent and ye shall be forgiven! My sins this week Have forgotten to do ANY of my piggy comps My personal budget for the month now stands at -£31.76 :eek: Spent WAAY too much on stag and hen do's yesterday, not totally…
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How much have/will you spend and sunday to friday challenge - sunday 20th may???
afternoon guys. didn't want you all to think I'd forgotten about the thread, someone spiked my cola's with alcohol last night and my head is full of mince! I'll have some brekkie and then find last weeks thread for everyone's targets but feel free to post your totals from last week and I'll edit as I go along. xxx as…
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New to this-really need help!!!!!
Hi Guys, I am also new to the board although I have been hovering around the site for a while. My issue is the large figure you can see in my signature and the fact that my husband does not find this serious as he says that we can afford to pay for it each month. I'm not doubting that we can't afford it, however even with…
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Unsecured Dept
Just want to get a little feed back. Me and the wife took out a loan and credit card nearly 6 years ago and then things changed within our personal lifes that made it impossible to repay at the amount agreed. We got behind on our repayments and then defaulted. The loan and credit is not secured againced our home, we still…
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Newbie says hi - and thanks!
Hi everyone! :hello: Just thought I'd introduce myself, say hi and thanks for the support that you give everyone, including lurkers like myself! Had my LB last week after years of mindless spending (foolishly thought that buying myself lots and lots of nice things would get rid of the low self esteem issues that have…
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First steps?
Hi.I am finally trying to face up to my debt situation. Its the result of all the usual-living over my budget for years , over spending on credit cards, borrowing from Peter to pay Paul and not managing things well. Being a single parent and self employed , my income fluctuates and has been reduced due to illness.But I am…
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New Debt Free Wannabe
I've finally done it, finally biten the bullet and worked out how much debt my partner and I are in and wait for it - £34,776.58 (excluding Studentl Loans)!!! We both earn pretty decent money, around £90,000-95,000per year so I know we have no excuse to be in this mess but it just seems to mount up. We both had credit card…
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In an IVA thinking of going Bankrupt
I have been in an iva for two years now and finding it really hard. I have absolutely no money each month, due to under budgeting on my expenses form. I am considering going bankrupt, can some one please tell me how much worse doing this is compared to staying with the iva? also do i have to pay anything out each month…
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Burnout...how are you dealing with it?
Hi everyone I think I'm running out of steam after less than two months of trying to sort out my debts. I'm so frustrated with the whole business. My debts are going down but I'm getting so fed up thinking about it. I just wish it would all miraculously disappear and i could start again. Anybody want to share their tips on…
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2 Adults & 2 under 5's - whats your budget?
Hoping to see what a reasonable amount is for my budget and would like to hear what other people with the same family size as me spend. How much do you have left once you have paid mortgage, utilities, debts, childcare, insurances / dd's. The amount left would cover groceries, entertainment, clothes, hols, gifts, repairs…
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CCJ - how long takes to come off your credit file...
I'm not sure if I've posted it in the correct section or not, but i'll keep it here anyways... Just wondering how long it takes before a CCJ comes off your credit file? I know its 6 years, but does the 6 years start when it first goes on your file, or does it start when the judgement is satisfied? If anybody knows the…
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How much are you budgeting for the week?
Hi everyone! It's been a while since I've posted but feel that I need the motivation of this site again sooooo here I am! I've challenged myself not to take any more money out of the bank for the day to day stuff this week - including shopping. Anyone else with me?! I've got £37 to last me through til Friday.:j
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New here, feels like confessional :-(
Hi there Well, I have decided to sit down and bite the bullet and face reality! I have spent the last 5 hours sorting out my finances, filing and shredding and have finally faced up to the fact I owe £24,354.26!! I have cut up all my credit cards, just leaving the joint maestro card, wrote a list of my debts and bought a…