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Help! How long must a debt be 'dormant' before it is written off???
Hi, I am desperately trying to organise my finances and get debt free and improve my credit rating after years of ignoring it all :( Brief background is that when I was a lot younger I just thought money was free and took out catalouges etc. I now believe most of those are paid off with a loan i took out to consolidate my…
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Questionable bailif charges
Hello, Please can someone advise on my ongoing woe. This a council tax debt from 2010 A baillif visited and dropped a letter with the head in Attendance Notice To Take control of Goods. This was for a balance of council tax from about 5 years ago, which I've been paying back at the rate of £20 per month, however I've…
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The Flippin' Fantastic February Safari NSD Challenge!
Yes,February will soon be here,but the NSD gang are resolutely turning their backs on the blinkin' cold,wet and 'orrible weather.Thanks to a highly democratic vote of one (that's you scotmumof3),we are heading off for an African safari! So,we are ready to fire up The Tardis again,to whizz us off to the Masai Mara,all from…
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February 2015 'Take your Lunch to Work' Challenge.
It's back, by popular demand- Thanks to those who PM'd me asking me to revive this challenge- your wish is my command ;) Save your £'s by taking your Lunch To Work (LTW)! A new thread for February 2015!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in :) You can be a stay-at-home-parent, unemployed,…
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Nst; fearless february
NST Challenge:Fearless February February can be a tough month. We are nearing the end of winter but as the last week has shown, winter still has a sting or two in her tail. We will look for any signs of Spring but be on the alert for danger. Take care when driving/ cycling/walking in hazardous conditions. Take care of…
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De-clutter by the day!
Hi Everyone, I'm not sure if there is another challenge on here that already achieves this aim, but I really want to declutter. I live in a shared flat so the storage space I have sole access to is generally my bedroom. I threw lots of rubbish away when I moved in nearly a year ago, but I moved lots of 'stuff' that I…
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Challenges: How do I know I am in?
Please pardon my ignorance. I have just joined the forum yesterday after hovering for a while. Inspired by the posts of other forumites, I wanted to take some of the challenges on here. But one question, how do I know if I was accepted or if I am in? Advice please? Oh btw, ps, how do you set up the signature thingy at the…
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Aid to help stop overspending.
Hello. I don't know if this is allowed but I wanted to let you know about something that has helped me stop overspending each month. I was really bad at overspending as I didnt keep checking my bank account to see how much money I had after spending. I therefore created myself an app for the android market. I now set…
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Advice
Need advice on how to stop phone supplier not stopping contract and taking money from account. Unfortunately I cant cancel direct debit as it is my sons phone and he had serious financial problems (bankrupt) and I dont want to affect his position now getting better.
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July 'Take Your Lunch To Work' Challenge.
It's back!! Save your £'s by taking your Lunch To Work (LTW)! A new thread for July 2014!! Although the title is 'Take Your Lunch to WORK', ANYONE can join in :) You can be a stay-at-home-parent, unemployed, work part time or work full time. The point is, buying lunch (or breakfast, or both if you were silly like me!!)…
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2015 - January ~ Make £10 a day challenge ~ everybody welcome
HAPPY NEW YEAR EVERYBODY! Here is to a prosperous and debt free 2015. This is the 89th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first…
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The Jumbo-normous January NSD Challenge!
Yes,another year is behind us.We are all ready to dive into 2015 (really?!),but we all need a teensy little escape from the rough hardship of winter. So,what better than to head off for a winter's cruise.The NSD gang are hoping to forget the cold,the dark nights,the rotten weather and we need something to help us get over…
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CindyLu
Help please . I've just joined the forum .I have a small business , the bank charges me £1 fir each customer cheque I pay in .can I claim it as expenses on my Tax return ?
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Anywhere to go where an advisor can view ALL My debts and help help me sort them???
I have been struggling with debt for 11yrs now. Ive tried CAB and national debt helpline. They were great help but just seem to give information and leave me to it, I am not the cleverest person and suffer with dyslexia. I wonder is there any where i can go and meet an advisor IN-PERSON & they have the resources to find…
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NST; January Challenge- The Money Saving Game
:D NST; January Challenge- The Money Saving Game!! :D New Year? New Start? Press -Continue- (or scroll down) Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK who are always up for new money saving challenges, fighting our way to debt freedom,…
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1 debt vs 100 days part 17
Hello everyone! Welcome in 1 debt vs 100days part 17 challenge part 17! There's one and simple rule: take a debt and repay it within 100 days. This challenge starts at 15th October and finishes 23th January 2015. Everybody's welcome! If you want to take a part , please write your name here. 1. Calling14 £189.48/930.48 2.…
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"Sealed Pot Challenge" ~ 7 ~ Part 2
Ok folks, here we are with SPC "No 7"!! For all newcomers, yes "Old Timers" too - please read through this entire post to see what the SPC is all about. However, do be sure to Join the forum first in order to be able to join the challenge - if you haven't already! To everyone else, please keep chatting about your conquests…
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How much did we pay off in 2014?
Happy New Year everyone :beer: Around about now, someone usually kick starts a thread with an accumulator showing how much we have all paid off in the previous year. There are other threads for previous years, this is the link to the thread for 2013:…
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Rossendales Debt Collection Agency
I am in the process of my IVA failing due to the payments becoming unaffordable with the IVA company. I am still under protection until I get the failure certificate which can take up to 6 months. I have 4 debts in total, x3 are listed with The Insolvency Exchange, and x 1 listed with Max Recovery. Today, my telephone…
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Is there a formula for this Plan?
Hello, Was asked this question this morning by my brother .. How much do I need to invest per annum to receive a lump sum of £12458.00 in 11 years @ 5% interest rates? What is the formula for working this out? thanks in advance steve