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Dmp
Sorry this has probably been asked a million times but do they affect your credit rating? Thinking it might be a solution for my husband and I, although at the moment we never miss any payments or anything its just a hard slog to meet them. Does anyone have any advice? Thanks
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Don't know what to do re-debt
Hi everyone, Very long story but my husband and i ran up debts of around £11,000 some time ago(5-6 years or more), we then split and i hid from them, binned letters don't answer phone etc as i'm on income support (no excuse i know but moneys tight as it is) and all the debts are in my name, feel sick just thinking about…
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How much have you spent today Sunday 15/10 & the new Sun to Fri challenge!
Hello DFWs :) I am so late with this thread today :eek: I've been baking and batch cooking and doing all sorts of good DFW little things! :D Hope it has been a good Sunday for everyone. I didn't spend a penny today with being in and busy all day :j I am going to challenge myself to not spend more than £30 this week. More…
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New Zealand resident with UK debt
Hi, I'm looking for more enlightened beings than me on the following subject: My ex partner (seperated wife) has about £40000 of loan and credit card debt in the UK and is now over here in NZ. I'm still living in the house we originally shared and all her debt mail is coming here - plus, by the looks of the letters, she's…
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Snowballing conundrum.
Help! I have decided to snowball by debts & have used the calculator to work it all out but it is giving me an impossible scenario. First, my debts:- Cahoot Flexible loan owe £8092 @ 6.3%. Minimum payment 2% HSBC Credit card owe 2904.16 @ 0% for 12 months & then 15.9%. (Just taken this out so just started 0% deal.) Minimum…
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Good News
I am soon to get a lump sum off one of my OH friends(woo-hoo) Anyway to get to my point,is there anything I can do to get them to settle for less than the total amount due Due I just ask them or do I wait until a certain time - maybe near christmas? Any advice would be very much appreciated :o
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claiming back bank charges ?
Ive read on a few threads people suggesting claiming back bank charges from the past 6 years - i reckon if i could do that id be well on my way to paying off a few debts How though ? i cant seem to find an article or thread explaining what to do prob cant see the wood for the trees as i keep getting sidetracked by…
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Son going to look at flat tomorrow!
Hi My son and his friend are hoping to rent a flat together ---they have an appointment tomorrow to look at one. It is with an estate agents-I am going with them to give them a bit of support LOL!!!(both only 20!)I have already looked round it with OH and it does look lovely----it has been gutted and done up---new kitchen,…
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Best Pre-paid visa/mastercard??
Having searched through forum i decided to start a new thread. With Christmas on its way and only having a cash card I am looking at getting a pre pay card. Does any one have experience of any? or advice? I have looked at Travelex card which seems to be free of charges except for ATM withdrawals, but minimum top up is…
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My SOA
New to this - but here goes, (Please excuse the waffle - but it helps) After seventeen years of being in debt I'm just getting my head round things. It's clear from just reading the this forum this evening that my financial problems are bad - but nowhere near as bad as they could be. I think my big fear is that I will have…
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HC & Co solicitors / Cl Finance - Scare tactics ?
HI, Would just like peoples opinions on this letter i recieved a couple of days ago. Personally i think its an attempt into scaring me to make contact / pay up as the debts been going on for almost 6 years i think. Dear..... In the Northampton county court, claim number .... CL Finance Limited - £962.34 You have faile dto…
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Debt Help
Hi,I have just joined and am looking (desperately)for advice on debt.I was until recently self employed,but ceased trading in August.I have now got debts of around 43K,mostly to one bank,who are now putting pressure on me for repaying them.I have a full time job,but no real spare cash to make the repayments they want.I…
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Well I am a chicken!!!!
Don't be angry at me I did not tell my parents about my debt at the weekend I realised that when I was there I could no face telling them. Also while I was there I did a lot of thinking and need to sort myself out. I love living on my own, but I have made a bad mistake, I have a new job which I start in November Its a job…
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So, are we being good little DFWs today?
I am... Just popping to the post office (why does my Amazon stuff sell one at a time, why can't 3 or 4 people decide to buy my books on the same day saving me numerous PO runs!) Then it's my weekly Tesco run- challlenge is £40 and there needs to be 2 bottles of wine in there too. Then I'm going to check out the local…
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I want to claim back my charges but don't have a printer!
Argh! Want to claim back my bank charges but don't have a printer to be able to print the letters off! Also can you request them back without finding out exactly how much they are? Sounds daft but I can't afford to send £10 to each of my creditors to find out!
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Tell the truth......
Hi, This is my first posting and i wanted to briefly tell my story as i hope it may help somebody. Its from the angle of the partner of someone in debt. . . . i have been with my boyfriend for 6 years now, we bought a house together 3 years ago and everything seemed fine. Unknown to me my boyfriend at that stage, was…
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Goals for week commencing 15 October
Good morning Moneysavers. Goals time again. If you're new - tell us what you aim to get done by this time next week. If you've done it before, tell us how well you did. Last week's thread is here - http://forums.moneysavingexpert.com/showthread.html?t=278825 I didn't quite get spending within target but pretty close. This…
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Advice please re step son
My step son is 23 and lives at home with us. He has a job which brings him almost £1000 per month, a loan with HSBC for approx £6000 which he has to start paying for next month, a Next account which I am not sure how much he owes, I think less than £100. He is maxed with his overdraft at £300, and he owes us about £600, we…
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Another overpayment dilemma!
Well, after sorting myself earlier this month with where to overpay on my cc's, I've found myself in another dilemma. My mortgage is on a fixed rate until the end of this month - it then goes to 1.25% over BR for a year..so that'll be 6% as things stand and the likelihood is rates will rise anyway in the forseeable future.…
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Debt Advice Handbook - anyone want it?
I'm having a clear out! Most of it is going on ebay, but as this is a debt advice handbook from the CAB, I thought I'd see if anyone on here wanted it? It's the first edition, from 1993 and has a bit of biro on the first page where the kids have scribbled, but covers dealing with priority debts,, minimising debts,…