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Settlement Figures
Hello all, I am just starting to face up to my debt and have written to all the creditors (all debt collection agencies) including a copy of my financial statemetent and an offer of payment. I was wondering if anyone had any tips on living on a budget as mine is really tight now! Also, was wondering if anyone had any…
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MS Money Question
How do you put an Egg Money account onto it? It has a different interest rate for plus and minus, and I can't really find a place for it. Any ideas?
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Credit Report
Does anyone know how long credit searches stay on a credit report please? Thanks in advance.
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Just a pre-warning
I know I'm a little early but thought we might all be able to relate to this http://www.guardian.co.uk/uk_news/story/0,3604,1396977,00.html Now I don't know about anyone else but I've been feeling the lack of sunlight just recently, and am now going to plan in some super fun for my Jan 24th!
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Update
Hi just wanted to say hello again. I was off work first week in Jan so was here a bit more, but don't want to lose my motivation. so far i've been doing the diary everday (have spent £748.44 so far - haven't worked out how yet, but it's all written down). It really adds up:eek: I have been really restrained - doing well on…
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Negotiating a settlement figure
Does anyone have any suggestions on where I can find some guides on the correct way to go about negotiating a settlement figure with a creditor?? I too am on a mission to clear my debts this year and have mangeged to shift a CC debt already but I was a serial defaulter and skipped on a number of debts for a number of…
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Quidco help please
I already opened an A&L account for myself through quidco and now my bf wants one-can I do this through my quidco or would he need to sign up himself for one?
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OMG a BALIFF came round!!!
although we weve had alot of debt weve never been actually visited by a baliff.. oh arrived home at 2pm yesterday and a guy approched him showed him an id and said are you mr x xxxx oh confirmed he was and bloke said he was a balif collecting council tax arrears, he had a removal van around the corner (which my oh saw)…
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20.1.07 what small DFW/MSE thing have you done or will you do today?
Hi everyone! Today we have yet more stuff ending on ebay but I have still not put anything new on in the last couple of days, so must get off my backside and get listing again. I will also be updating my grocery and petrol budgets to see how I am doing. Today we are having a "chill" day, staying in playing board games and…
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Bank charges and getting them back.
Anyone know if overdraft 'usage fee' and overdraft 'interest' are classed as penalty charges? Thanks.
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best bargain buy in sales
Hi all, Hope u r all well. OK then guys, what has been your best bargain in the sales. take carexxxxxxx
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Help! Tax Bill to pay
We have to pay £1749.90 by the end of the month Our plan was to pay it on a credit card and tart it off. Problem - They don't take credit cards! :eek: Any ideas? I'm think something to do with withdrawing the cash, moving it to Egg money and then putting it on the card? I'm sure Egg money has some useful feature for this…
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Oh help! Not even CCCS will help
In e-mail from CCCS ".....Unfortunately the budget you have completed online doesn't provide a sufficient surplus for CCCS to be able to act on your behalf...." So I'm on my own then? I owe around £50000 to 4 credit card companies. Mortgage payments, council tax etc all paid up to date and ok I am staying with family…
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SouthernScouser -Please can I have a nerd number?
Please, please can I have a nerd number - I feel very left out and would like to feel a part of the family and I've heard you are a very kindly gentleman:A so please will you give me one?? Pretty please. I would be so proud to be a nerd!!!! I have never been one before. Love Lisa xxx (I'm creeeping now)
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Help with Credit Card
Hi all, excellent site. I need some guideance with my credit card. It was withdrawn over 3 years ago as I reached over £4,000. I have since been paying this off and have been able to reduce the balance to just under £3,000. I have contacted Lloyds who confirmed they want full settlement as my mortgage is completing soon…
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First Timer
Hi Everyone. I'm a first timer here so be gentle with me. Have been addiced to this forum for months now and can't believe the amount of fab information and support thats posted here - so thanks. I've decided that 2007 is going to be the year I pay off some debt (not got an awful lot, but decided that not a lot is still…
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Hi
Hi Everyone, I was registered as PMS previously on this site. I have not been around since before Christmas. I have had problems with my email and gaining access to some accounts on different sites including this one so have a new email address and new identity as of now on MSE :) I spent Christmas down in England with my…
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Credit rating advice please. Defaults.
Hi I have 6 defaults from 2005 which were automatically registered when my husband and i applied for in IVA. However the IVA failed after being sent round twice as no creditors voted. Things took a turn for the better and we managed to settle the defaults around £10k in total. So they are all settled and showing so on my…
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Credit Cardless
Hey, So I finally did it... But I got rid of both of my credit cards *about £1000 balance in total*. I've still got things to pay off and it still feels a bit rubbish as it's a drip drip sorta thing but hey it's one step closer and the things i have left to pay don't have very high/no interest. Matt
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Should I stay or should I go?
I think I am just after a bit of reassurance from you lovely guys... I currently work about 30 hours a month in a day centre around my other full-time job on a bank/ relief contract. Have been doing this for the past 18 months or so and did a lot extra when the boss left and they were seriously short-staffed. My hours are…