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Finally, my lightbulb moment has arrived........
Hi everyone. Well I have lurked around on this site for about 2 weeks now, and I feel that I can hide no longer. My situation and debts are now really starting to get to me and I really don't know what to do. I have looked at this forum and I am so relieved that I am not the only one going through this. My OH and I really…
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LJD's debt diary / get through life diary
Hiya I've decided to copy a few of you and do a debt diary. If it's anything like my spending diary it will make me feel accountable to you all for what I spend etc. I've two days left before my children break up. I've given myself a budget of £40 for the holidays to entertain them so lets see how I do. This could be fun…
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Help!! Credit Report problems
Hello, I'm new and wondered if someone could offer me advice. Briefly : divorced April 2004 from ex husband hopeless with money (CCJ's, mortgage arrears, court fines etc) Now remarried. Ex husband been using addresses of mine since divorce to shake off bailiffs. I've been out of work for last 10 months (moved from…
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Iva
hi everyone, Last night was the lightbulb moment!! This happened when i went to the atm and found yet again i was broke! so went home sat down and counted it all up , the debt that is , came to about £23800 :mad: . so what next i thought , ermm lets do a google and found tons of info on iva,s any good ?? is that the only…
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So close and yet so far - potential redundancy
Well as I write this post I am pretty gutted. It has been hinted at for a while at my work that there might be redundancies but now it is looking like its going to be inevitable. The worst thing is that no-one can give us a definate answer. And I was due to be debt free (apart from Student Loan) at the end of the year. I'm…
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Fed up with Lloyds
My OH has phoned Lloyds re our charges (OH’s fault for putting in a cheque 2 days late – but I thought they might help if he talks to them about it) and getting 5 returned DDs. He spoke to the Manager who said someone from the branch would get back to him, a woman did, who insisted that she could not deal with it over the…
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Thanks Emily!
After reading your thread 'Can i clear a debt a month?' i decided to try selling books on Amazon. I put a book on there on sunday (i paid £1.60 for it from a book stall) and it sold yesterday for £7.75!! :j Im going back to the market stall to stock up! Cheers Em, roll on next Amazon sale! :beer: 1st TSx
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Happy Birthday ms_london
Have a bonzer day hun and don't drink too much of the amber nectar or you'll be feeling like a drongo in the morning! :beer: :D
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smilermonkeys debt diary
Am going to start one of these diaries as have decided it will be good for me. l I am going to sort out my money, sort out my social life and find the old me that has got swamped a bit. Have decided that everyday I shall do something positive about money and me, starting today! today's challenges:- money=a weeks shop for 2…
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I need help (started gambling)
I've read a few posts on here about gambling and the debts people have gotten into with it. In the past I could never understand how people could get addicted to gambling, but I think I am heading that way myself. I owe approx £28k to my creditors (none of it with gambling) and pay them off at an agreed amount each month…
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a bad weekend
I'm feeling a bit cross with myself about having a bad weekend moneysaving. First of all we went out clubbing on Friday - the OH wanted to as we'd not been out for ages. I only took a little bit of cash but OH spent more than he planned and I feel awful now as I'm not sure it was worth the night out :( Plus we were…
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All I want for Christmas is to be back in the black!
Hi everybody, first time I've posted on this forum so apologies if something like this has been posted before. Amongst all my other bits of debts, my single largest one has to be my overdraft, currently standing at £3154.59 in the red with a limit of £3850. The interest generally costs me around £25 per month and this has…
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any help re: sainsbury's bank
Hi, I have a little problem with Sainsbury's bank and need a little advice! (sorry it's so long!!) After my husband was made redundant we sought help from the CCCs to cope with our awful debts. They managed to get everyone to freeze the interest and we have been steadily paying off everyone over the last 2 years managing…
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£33,500 in debt on 6 credit cards. HELP
I have got 6 credit cards with total debts of £33,500. (shell)4.9 lifetime balance £108 monthly (Lloyds)5.5 lifetime $45 monthly (capital one)6.9 lifetime £244 monthly (amex)6.9 lifetime £188 monthly (morgan stanley) £91 monthly (mint) £158 monthly Total per month £834 I have got 2 loans that end in dec total £370. wifes…
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Not having credit cards as a safety net
Finding this very difficult..my attitude in the past has been oh well I'll do the shopping on the cards to keep some money in the bank and now I see my bank account getting to under £20 and start panicking that I'll run out.How can I get past this fear?I am sticking to my budget but just have this constant feeling that…
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Morning Blues
Well. a couple of weeks ago I begunth process of getting ALL my statements from the Natwest for a refund on my charges. I became unemployed in October of last year and explained to the bank that until I had my baby (Iwas 3 months pregnant with no hope of getting another job) could they freeze my acount. I also moved house…
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just been declined for a CC GUTTED
How can this be? :wall: Ive been paying off steadily. I just thought Id get one for costs to do with my moving. I did apply for a marbles card the other day as i thought it was 0% on purchases, but when I phoned them to ask where it was, she siad no its 20% on purchases, so I said, look cancel it I dont want it. She siad…
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Addicted to...
Free money sites! This is the 2nd time ive stayed up past 12am on a school night, clicking through to different sites to earn 5p or completing online surveys to earn points!:eek: Pigsback, Quidco, Cashbin, im addicted, argh! Right, outburst over, going to bed before they start calling me again!:rotfl: Nite (YAWN) 1st TSx
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Preparing A State Of Affairs
Hello Would like some advice on what to put in an SOA. Is it acceptable to include things like socialising, holidays, birthdays/christmas etc? Also i have a gym membership which i consider to be a major part of my social life also i have several health problems including high cholesterol & high blood pressure (which is…
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Credit Search
How long does a credit search last on your credit file? Thanks in Advance