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new to forums and in a lot of debt
Hello,this is my first post.I hope someone can give me some advice,because I really don't know what to do.I'll try to keep it short,sorry if it seems long! I gave birth to my first child in May,prior to this I had decided that I needed to sort my debt out - I have got into a right mess -31k of debt just from credit cards…
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£19 to live on!
I have my own little personal challenge at the moment! I've just transferred my overdraft to a graduate loan (they are taking away my overdraft facility so I had to arrange a transfer) and for once in about five years my account is actually in credit (well technically speaking am still in personal deficit of course!) - I…
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Robinson Way and Halifax Debt
I have two debts with the halifax that have been transfered to Robinson Way after beng with Logic. Both of these accounts are in indispute and as such I always beleive that they couldn't chase the debts. I have now reiceved a letter of notice of intended legal proceedings. Are they allowed to do this? I have also asked…
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Best IVA?
Hi, Can we start a thread listing the names of the Insolvency practitioners used and the % of debt repaid through the IVA? I've been on the 'Myvesta' website and it quotes IVAs at 30%! cheers
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Recommend me your Quidco clicks + best deals!
I need to boost my Quidco balance, preferably spending as little as possible in the process. All I've done this month is Kelkoo and HSW each once a day and it's going to take me a lot of Kelkoo searches to pay off my debt :rotfl:
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NTL Nightmare!!!
NTL are driving me nuts!! Had an issue with them for 2 months. My credit report flashed up that I had been 2 months in arrears them. Puzzled, I called them and then they said it was all a mistake, they would correct the file. They didn't correct the file, and the team leader called me today to say that actually there was…
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I need a good kick up the jacksie!!
Reading various threads over the last few days - I feel a bit ashamed! There's lots of people in much worse financial shape than me but I can't seem to get of my bum and sort it out... even though I know in near future my situation is very likely to get much worse. I suppose if you've not got much money and no other…
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just started dmp and lodger is moving out !!!!
urgh just when i was getting on my feet my lodger announces they are moving out - this means a massive £500 increase in my expenditure until i get someone else in - whats worse is that they are planning to leave at xmas therefore its likely there will be a gap in getting a new tennant. my question is: as i have just…
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Money saving/debt free themed songs...
Am having a lil walk down memory lane, (songs from the 80's!!), and am currently lovin' the song below. Makes me think that it all might be worth it. Has anyone else got any other suggestions, i.e. songs that you draw strength from? Artist: Deacon Blue Song Title: Dignity Album: Raintown there's a man i meet walks up our…
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Any Tips For Full And Final Settlements
Hello all and good evening :) had one or two debts which i have got down to a reasonable amount owing on them,or in other words could afford to ask for a full and final settlement to get rid :) What i`d like to know is anyone had experience of asking for a !!!!!! what percentage are you likely to be offered ?? The debt i…
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Clearing a UK based debt from Australia
Hello, I'm moving to Sydney at the end of November for a minimum of a year and really need some advice of paying off my UK credit card whilst over there. As I see it I have two options and I'm not sure which is best 1) take out a UK loan for the full amount outstanding (£2200) then every month make an internet banking…
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where do i start please help
hi i was wondering if you can help 5 months ago i started my first buisness a retail shop sadley on saturday i closed due to poor sales not meeting the rent etc ,am really down and havent stopped crying since i still have 7 months of the lease left hopeing they will release it sooner am in around 20,000 worth of debt to…
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Where to Start?
Hi All, Firstly I must explain that its firstclassmale's OH here, Scottishdiva. I am writing with the hope that someone can provide us with the answers we are looking for. For over a year now my partner has been struggling with debt and through various circumstances, some no fault of his own the situation has become…
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In a fix
I have applied for a Capital One credit card and have been initially refused because of my mortgage being in joint names with my husband. He has been having money problems recently and I know he has defaulted on his credit card repayments. I have written to the Manual Review dept at Capital One requesting that they review…
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Does anyone Have experience of Crapquest taking them to court
I'm being hounded by Crapquest - they keep writing to me threatening action. Has anyone actually been subject to them instigating legal action?
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Debt Free by time im 30..........
Hi all, most of the day I have been doing calculations relating to my finances, anyway i have come to the conclusion that provided i pay at least £333.00 towards my debts per month i will be debt free by my 30 birthday, which is Dec 2009, now if i had stuck with how it was originally then that date was nearer 2013. I…
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Any british gas customer want 2 free energy-saving LBs?
Hiya all got a voucher out of the paper yesterday, will send on to another MSEr 1. you have to be a british gas customer 2. you get an energy savers pack with info, 2 energy saving LBs and some other kit Ill send on today first to PM me your address gets it!
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Unsecured Debt
Hi, I was wondering if I could ask any of you guys for your advice on my current unsecured debt situation, I have been carrying these debts for a copule of years or so, and or though they are albeit slowly decreasing, the strain it is placing upon my other monthly commitments is reasonable, and I feel there must be a…
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astrology on the ball shocker...
right don't judge me too harshly, it's only a bit of fun, but my homepage is the tiscali daily horrorscope...usually gives a giggle when i get online but today it was oddly accurate... libra 'If your finances have been in a sorry state lately, a cash injection would be very welcome and does indeed seem likely. As your…
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Just wanted to say a Big Thank you
Hi Everyone Just wanted you all to know how your advice on this board has helped both myself and my husband (AND I BET ALOT OF OTHER NON POSTERS) all though we have never posted a great deal on debt free we both read most of the posts which in turn has helped us get our debts into order AND MAKE US MUCH HAPPIER.:D I was…