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More Job interviews!
Hello all, I have begun reading your forum over the last few weeks. I'm trying to get some debt cleared from being unpaid for 18 months while finishing my PhD and living off overdrafts and credit cards to do so. The debt was about £4000 at the most and now stands about about £1100 all on interest free thanks to this site!…
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Default question?
Hi, Just received my report from Equifax and it is showing a default recorded on my old O2 account:confused: The default was for £25 in May 2003 and Equifax says it shows as being settled 3 weeks later. Now I am lucky enough to never have had a default before and as far as I knew, still didn't have any, so I am totally at…
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Debt Collection Agencies Questions
Hello I've been reading the forums on this site for a few weeks now & find it a great source of info. However, i have now realised i need to take my head out of the sand & sort my situation out. I have a massive amount of un-secured debt spread across 11 credit cards & 4 loans totalling about £84000. I have not yet done a…
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My good news
I've barely posted on here before, but I check the boards pretty much every day, and I've taken so much useful advice from here. Six months ago, I was in a real mess, continually going over my overdraft, making late payments or skipping payments on my credit cards, and my credit report was abysmal. I got turned down for…
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Experian/Equifax
My OH needs to get some details about his bankruptcy and we have been advised to look at his credit files. Can someone tell me which one offers the free 30 day trial and how much do the other one charge?
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Aaaaaaaaahhhhh!!!!!!!!!
I SAID YESTERDAY AFTER SAVING £40 A MONTH TAX CREDITS PUT OUR PAYMENTS DOWN £40 A WEEK AND TODAY WE RECIEVED A LETTER FROM THE COUNCIL STATING THAT THEY CALCULATED OUR BENEFITS WRONG (FROM 2 MONTHS AGO-WE DON'T GET BENEFITS ANYMORE!) AND WE OWE THEM £700.:mad: I AM ABSOLUTELY SICK,PIG SICK OF STUPID LIFE. THE COUNCIL ROUND…
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Tips on Supermarket shopping!
Hi I was wondering if someone could give me some tips. OH and I have decided that we are going to spend £40 a week on food/toilitries and dog food.This is for 2 adults and 1 large dog. I am currently following the WW plan----and therefore have to get certain low fat foods etc and foods with calories on so that I can work…
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Another DFW going for an interview...
Hey all Please send good luck wishes my way as I have an interview tomorrow morning. I am so nervous. I keep having to take deep breaths. If I get this job though it will mean I will be able to get rid of that last lingering bit of pesky debt.......HURRAY! Fingers crossed! Annie :)
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AQA - I got the job!
Quick update for those who were wondering whatever happened to my AQA application (I don't think any of you were, but heck). They received my contract this morning, and I've got my starter pack! Just have to wait for my senior to log into Yahoo and I can arrange a time to start. Whee. If any other AQA'ers are around, add…
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Envirophone cash back!
For all those selling their ancient mobile phones via envirophone- be aware quidco is now giving 1.46 as well!!
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student paying interest - advice needed!
I'm returning to uni as a mature student soon and will be in my final year, and am currently working part time 20 hrs. I have an outstanding debt with the collections agency DLC of £2,200(no interest),and have been struggling to make payments of £30/month to keep them off my back. I was called by one of their advisors and…
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Most bizarre conversation
Im now pretty well sorted wit paying my creditors , thanks to all the advise on this board. I was thinking this morning about the most bizarre conversations in sorting this out. The Winner must be GE Finance and the "Its not our fault we told you wrong account details" conversation during which I spent over 1 hour on the…
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Cant seem budget??
Hi is there anyone who can help us, I want to budget properly and clear my debt problem I am thinking of a consolidation loan, any advice would be great, here is my State of play, its not good Monthly Incomings: My salary - £1244.80 Partner’s salary - £1006.8 Benefits - £143.15 Total - £2394.75 Monthly Outgoings Childcare…
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Our SOA
Firstly, thanks for all the brilliant advice on here that I have already been given, it was suggested that I should do a SOA so here goes: Income: Hubbys wages £2100 my wage £0 I'm a full time mum but am going back to work when my youngest starts school in September, so this will change soon, have an interview next wed £9…
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What do collection agencies pay for the debt?
Can someone clear this up for me? Do collections companies really pay as little as 10p in the pound for debts? Please can someone tell me the average paid and the best results in terms of percentage accepted for full and final settlements. Thanks for your advice, experience and motivation x
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F & F void - want full payment
I had a full and final settlement arranged with Intrum Justicia. Debt was £1700 and the F & F was £1300. I'm about 8 days late in paying it because I was waiting for a third party to raise the cheque. I've now got the cheque to send to Intrum Justicia today. A woman from their legal department phoned me today and said the…
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All These Good Luck Mantra Things
.......I would just like to ask you all to stop. It would seem that everytime someone else has good luck I get the complete opposite. Since reading about "money coming easy to me" and "money chanting" or whatever I've had nothing but crap happen to me! :rolleyes: The screen on my cars sat nav system has gone. God knows how…
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Share your stories of desparation!
Have any of you been so poor you've stooped to new lows?! I certainly have!! For example whilst living at uni I was totally skint and starving. The only food I had was tinned mince, tinned carrots and peas, and tinned potatoes. The resulting 'cottage pie' was so disgusting even my boyfriend (who eats anything!) called it…
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Budgetting Tips
OH is now willing to sit down with me and workout our budget:T So tonight we will be sat down with the laptop sorting our budget in excel! Does anyone have any tips? List of things to include i.e. I always forget hairdressers, birthdays etc!
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Don't know if i should be telling anyone this but.....
i followed martins advise a few months ago and switched gas and electric with uswitch and claimed their free bottle of champagne. Well its about 3 months since i did this and (looks round to make sure noone is evesdropping)......i've just recieved my 3rd bottle. They have sent 1 a month so far, has anybody else had this or…