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Not sure what to do next....
Hi there. This is my first post on this site and I'm after some advice from anyone that can help me. I'm a single parent living in the old marital home which is still jointly owned. I've been self employed for the past five years but the business although wasn't doing too badly a couple of years ago has basically hit…
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HELP - we're running out of options!
I'm hoping that someone can point us in the right direction. I'm trying to help out my little brother (23) who has managed to get himself into £21k of debt - through 4 loans and a £5k credit card. Most of the loans were taken out in the last 6-12 months, with either Black Horse or Halifax. The problem now is that he's got…
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Spreadsheet help please.
Can any one direct me to somewhere online that I can get help with speadsheets? I read often on here that people are using these for everything. I can just about enter data into one but I would like to know how to use them properly for budgets and planning etc. I have also got microsoft money but I can't get the hang of…
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Mortgages & Divorce
Ok......... further to a couple of posts recently, still trying to help this friend of mine. If anyone remembers he has just moved out of the family home, his wife is talking divorce (although as far as he knows hasn't done anything about it yet), he has debts of around £15k (after advice from here he is waiting for his…
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Basic Bank account with Solo Card
Hiya, Does anybody know of a Bank that offers a Solo card on a Basic Account other than Natwest please? Thanks James
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Chipping Away
Just thought i would share with you all, am very excited, just cleared £1300 off my debt today, wohoo. Saved up for two months, ebay and quidco. Hoorah, a lot closer now!!! Vics xx
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New Job - No Money
My OH has just landed a new job with bigger salary. Great news, however, he has to go from weekly to monthly pay. Meaning two months without any money comming in. Ironic thing is this month we were just about to pay off the outstanding debt on the C/C -£1500. Now all of that money has to sit in the Bill a/c and get slowly…
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Extra money for you or every penny on debts?
Every month I pay £700 on bills including groceries, and pay £250 towards my debts. This leaves me £100 left of my monthly wage for 'me'. This £100 includes any social spend, clothes, health and beauty products, and any other 'treats' such as magazines, books and chocolate, etc. I am caught up in two feelings about this…
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Im in a bit of a pickle, can anyone help me?
Im a mature student nurse, Im in debt its mounting up and I need to get it sorted out :( . Ive got 2 years left till I qualify, I receive a bursary of £556 a month, Child tax credit £120 a month, Child benefit £116 a month total income - £792 Im repaying a loan of £5000, Ive got £3338 left to pay and Im repaying £105 per…
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Beware of being monthly paid!
Beware of the red tape some companies hand out these days. Being paid early in the month is all well and good until A: Its gone in a matter of days (youngsters who like their clubbing) B:When you leave they demand overpayments back... This has happened to me twice this year, my misfortune is that company A (Hbos) has took…
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I have a daft question…..
I know how to make “extra” payments to my store cards and to OH’s overdraft, but I can’t work out how to pay extra to the OH’s credit card, it’s a HSBC account, I have looked all over the online accounts and can’t see any way of doing this, can somebody give me a clue?:confused:
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Advice on IVA please!??
Hello, We have decided to go for an IVA today, we need to get our act together and be taught a lesson, can anyone tell me what to watch out for and what are the disadvantaged on them. We are going tomorrow to open a new bank account with a different bank too, im quite scared and feel so ashamed but it needs to be done.…
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My MBNA account has been sold to MAX recovery
Just had a IVA rejected and am thinking of trying to negotiate with the relevent companys myself......Once my account has been asigned to a third party such as the above debt recovery company what sort of figure are they looking to recoup........the last resort is to go bankrupt which i am trying my hardest to avoid...but…
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My turn
Hello everyone, ive been looking through this site for a few days now and i like the support that everyone is giving. Its my turn now to face the fact that im in debt and want to get out of it. Im not going to try and justify why im in this much debt as i know the only fault is mine. I would just like to ask for any advice…
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Shock Horror a nice DCA
I just called Cabot for a update on my balance and although it is m ore than baines & Ernst (boo hiss) told me it is 20 minutes ago I have to say the man i spoke to was lovely - his name is Tony and he was polte and helpful.
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Short term into manageable long term debt
I've recently bought a house borrowing £96,500 at 113% of the value (£85,000) at fixed rate of 5.99% for 5 years with Northern Rock. I've since renovated the house and its value is now £105,000. I have £16,000 of debt at 0% across 2 credit cards and 3 overdrafts and I'm not going to be able to keep this at 0% for very much…
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BOS offer
re my earlier BOS thread - they have offered us 70% off a debt but not in full and final settlement. We do have the funds to clear it now but I don't know what to do re where we stand on it only being partially satisfied Please help Thank you
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1st First Tracking assignment - any advice?
I've got my first assignment this weekend. Really looking forward to it. Really need to earn the extra cash but due to a new course I'll be doing in a couple of months (and job) really can't commit to a fixed 2nd job so I thought this would fit the bill to bring in some pocket money. Anyone worked with them already? what…
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Small Victory - HUGE THANKS
Got a letter from Capital One this morning offering me £224 in refunded charges. Thank you so much to everyone who has encouraged me!!
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HFC Full and Final Offer!
It will take OH and me 60+ yrs to clear debts with DMP through CCCS. One of our creditors is HFC with which we both have CCs Offer arrived today from them for F&F settlement offer of £5623 on total debt of £10,000. Wish I had £5623 spare.....wish I had £5.62 spare:D Still, its a step in the right direction.