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Notice of intended litigation...help plz
I have just been granted an administration order from the county court which i received on the 14th, I was under the impression that creditors are not allowed to contact me without permission from the court but this morning I got a letter from moorcroft debt recovery for 1 of the debts that is included in the order i have,…
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Full & Final Settlement - what % should we offer?
Hi all, My husband is about to lose his job through ill health and will be getting some money when he officially leaves, then we will go on benefits until he can find something else, I have my own business but have not earnt anything for the last 2 years (4k loss this year) so I am not earning anything now - fingers…
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Statutory Demand
Good afternoon all, I have received a letter this morning from Connaught Collections saying that they are going to issue a Statutory Demand under the Insolvency Act 1986 (bankruptcy) as they are unaware of any valid reason for my non-payment. Are they basiclly saying they are going to make me bankrupt and are they able to…
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update
Thanks for all your replies, I had my interview with payplan this evening, was so nervous before hand but they were cool. Went through everything with them even my student loan ahhhhh, around 27k of debt how scary, I only had £170 a month to pay my creditors, they said for me to be eligible for an IVA, I had to have £200 a…
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Very Personal but VERY usefull information - Hope it helps
First of all - to all the mods: I am sorry if this is in the wrong place, but I thought deft-free wannabe was appropriate because of the stress and strains of being in debt. Please move if this is in the wrong place. I have found a website which as a number of very interesting articles including credit repair and sample…
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making extra bits of money - how do you do it?
I see allot of people making extra bits of money from selling stuff ebay or on-line cash backs? I did the ebay things about a year ago and now haven't much left to sell so thats not an option! What are these cash back site things? please tell all! any other ways? I used to do Ann Summers Parties a few years back that made…
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Help with DMP
Please help,currently 97,500 in debt.Contacted CAB,they say they can't help with debts over 5,000,only option bankrupcy?I know this to be untrue,so contacted National Debtline,very helpful,but they put me through to Payplan as their workload was too great at moment.Payplan have taken all the details of the debts,and we…
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help on deciding plan of action pls
Hi, I used to be mortgage-free but now my partner and I have a joint mortgage of 51k on property due to change in our circumstances (mainly my ill-health). I had to give up work and now owe 29k on credit cards used in hospital fees and living expenses since I got too ill to work. I am now working part-time and have started…
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What have you spent today, 19/03?
I'm not planning on leaving the house coz I'm cream crackered so shouldn't spend a bean! :D
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A & L CARD
Hi guys I guess this should really go on the good news thread, but i wanted to let people know, even if they had posted on that thread..... Cleared my A & L card this month as the 0% deal runs out on 23rd March. Mainly balance transfer to my Halifax card, but some cash. A few months back i was told by A & L to call a month…
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What have you spent today Sat 18/3/06?
Good morning all Well it definitely has to be a no-spender for me today as it isn't payday till next Friday and we've very little left. Didn't update yesterday - I spend £4.92 in Wilkos on cleaning stuff and £15.90 on having my little ones (x2) hair hacked! My mum bought some food shopping for us too as we've got a huge…
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Beat The Bailiffs.....bbc1 9-15am
I just saw that there is a programme on at 9-15am on BBC 1 called ebat the bailiffs. For any-one worried about a bailiff calling and what you can do about it. Hope this helps some-one.
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HFC putting the boot in.
Have spoken very politely on several occasions to "advisors" from HFC and explained that our debts are being dealt with by CCCS. Have written (twice) and very politely asked them to remove our telephone number from their systems and conduct any communication in writing as we do not appreciate almost continuous calls left…
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What a great day!!
Just opened up my coin jar. My £2 coin savings are £32!!!! :j The question is: Do I leave them, put them in savings or pay them off a credit card? Off to count 20p's now
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I Dont Think I Can Do This Anymore!
I know my situation is all my own fault and its me and me only that can get me out of it. I also know that Im only at the begining of my dmp but i just dont think i can do it anymore. Im so unhappy, I cant explain. Im trying to loose weight so I cant eat anything nice or naughty (Im doing a liquid only diet which is hard!)…
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Just getting started as a money saver
I picked up Martin's book at the library on impulse, and had a smug moment on the first page when he says "If you've just bought this book, why on earth didn't you borrow it from the library instead?" :D Of course the smug didn't last long, as I kept reading! :p Anyway, I am thrilled to find this site. I'm a US ex-pat who…
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Is declaring Bancrupcy an answer?
In short I have £31,250 in debts and earn less than £1,000 a month. I have taken a PAYPLAN programme on but do not see it as an acceptable answer. One of my debtors HFC Bank have accepted £14,000 as the final payment on a loan that I had got down to the last £6-7,000 but they are now charging me late payment fees (£210 in…
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For the first time EVER....
I have had money left in my purse on the day I get paid, from the week before. For the first time ever, I have money in the bank (OK not a lot) but it's there, it's not for bills and instead of drawing it out and spending it, we have left it there. For the first time ever, I HAVE SAVED! The £2 savings is going great, I…
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Does this sound familiar?
Hi Every year, without fail, I used to book up to go away for a week in April/May- just somewhere like the Lake District in a caravan/cottage- total about £400 inc spends cos we dont live too far away from there. Then I would get back and think about where we could go later in the year- last year was Cornwall for 2 weeks…
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moneylove
Has anyone read the book 'Moneylove' by Jerry Gillies? It gives a totally new approach to receiving, handling and giving money. I am sure that a lot of people will find it hard to put down once they begin reading it.