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My/ our debt in black in white. Advice needed!
Hi everyone I have made a few postings lately but have always been a bit scared of putting down in black and white my SOA. I have had my light bulb moment this month!!! Finally! Does anyone have any advice on how we could reduce our outgoings and maximise our income. I am hoping that there may be some glaringly obvious…
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Help for a newbie?
Hi everyone, I have been a lurker on here for months now and have picked up lots of useful tips from everyone so firstly thank you for that. I was hoping I could get some more specific help regarding the best way to pay off loans/credit cards. Hopefully this is enough information for you: We are due to inherit some money…
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Whats pigsback??
I've seen this mentioned quite a few times on here as a way of people to make a little bit of money. Have registered on the website but a bit confused by it all. Can someone explain to me the principle? Thanks
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Do you get fed up with the spin?
Watching a program recently,it said that the average house price in less than 10 years will be £300,000 .How mad is that?When i look at debt that is already owed,I wonder about the sanity of those that predict these figures.Just wondered at what other people think?
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4 days to spend my EasyMobile credit. Ideas?
Got about £20 of promotion credit that I need to spend before Easymobile waves goodbye. Any ideas/competitions/ways of turning it into cash?
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What to say? employers in disbelief!
Morning all,DH came home from work yesterday in a foul mood,I asked what was wrong and he said it was because he doesn't have a credit card :confused: I got all righteous with him,but it turns out he has to go to his boss today to 'explain why he doesn't have a CC'.I am shocked,he sometimes does site work,which involves…
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Our first SOA
Hi, I've been lurking here a long time, and have just sat down with my husband to work out our SOA. And I'm pretty shocked and disheartened, to be honest. We've had a big year, with our engagement, wedding and honeymoon, but I'm still dismayed by the fact that we can't seem to get clear of these debts. And now that I'm…
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I knew chrimbo was going to be tight but.......
right i knew december was going to be a skint month but its cost me a fortune for things ive been roped into................... Starters, friends party took a cocktail cheapest i could find the ingrediants for was £30 nightmare, i did search everywhere Ball £30 Dinner suit £67 Team night out £40 thats a minimum of £170…
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Passport...
so i'm trying to be debt free but i have a problem. i've lost my passport! i need this to open a new account as i'm using payplan. now i will have to fork out £66 for a renewal! can i open an account without one? i have no other form of photo ID.... £66 is too much. i've lost the passport at home so in the bin or behind…
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GGGRRRRR Morecroft THUGS - hear the wrath of Mike St Helens.... after a night shift !
Recieved a letter from my mates at Moorecroft today, As you know I have stopped paying creditors as we are saving for bankruptcy. I though I was doing them a favour in letting them know, being polite and communicative with them. Me : Good Afternoon, sorry to bother you, regarding this account, it is really just to inform…
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Not money saving but i am chuffed!
Just spent £185 on Bryan Gunns gloves from when Norwich beat Bayern Munich 2-1 at Bayern (still the only British team to have done that!). They have authentication and i email Gunny to see if he could have a look at the link and he seems to think that they are genuine and i paid via paypal so if they arn't i can always…
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Mortgage protection - been turned down!
Well the saga of trying to be DF continues. After joining this board last Dec and being determined to get out of debt - here I am a year later. No more in debt than I was last year, but only just about keeping my head above water. Trying desperately to move forward. Since I joined I have lost my job and gained another, and…
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Is it wrong to want to throw petrol on a clamper???
is it?? on saturday it was free parking in our town but one poor lady parked in the doctors carpark across the road from a cashpoint hopped out and withdrew some cash and with in 45 seconds she was clamped, with her 3 children still in the car:mad:
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the lewis debt group - any contact info ?
Hi all - not posted for a while as ive been busy beavering away at work and to get ready for the up and coming festivities etc:) is anybody dealing with ( or has contact details for) The Lewis debt services group ? I need to contact them regarding an account which is collected by a door step collector ( all kosher and…
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Unexpected!!
Hello all, I sent a cheque for £10 a couple of days ago as a token payment for my loan. I've just checked my Lloydstsb acc and found out that they debited o/d interest of £9.47 and £10 for acc charge which means that there is no money for a loan.Should I worry or just put another £10 in my lloyds acc so they can see that…
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Junk mail christmas cards
Was reading a thread on DT. It reminded me of the underhand ways credit companies go about getting our business. Last year I can remember getting christmas cards (or at least thats what they looked like), when you opened them the inside was trying to see us a loan. I don't mind the ones we get from companies we use like…
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News update on debt managment plan troubles
Guess what after they have taken £350 of hard earned cash Bains and Earnst have desided that they cant help me with my debts. And have terminated the contract saying that there is nothing more they can do for us. Exactly what i told them 3 weeks ago. They told me not to pay my mortgage (can't afford to pay it anyway) and…
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Debt Free Partners
Does anyone else have difficulty with their partners who aren't in debt and earn lots of money? My boyf moans that I'm always skint, likes to eat out lots and can buy whatever he wants and doesn't understand that I'm trying to sort myself out. He bought me a lovely top the other day, for no reason, and all I could think…
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What a Absolute Disgrace!
After speaking to payplan a few days ago and getting advice off people here ive been ooohing and aaahing about going bankrupt and thinking try to struggle through. Well Ive just received this email from my bank 2 minutes ago and its just made up my mind! i let you guess what it made me decide! "We have decided to make…
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DFW New Years Money Resolutions
Have you made any resolutions with regards to money in the New Year? I should know around 13th January whether the company I am working for will make my contract permanent. If they do make me permanent I will have a spare £170 left over at the end of every month which I have decided to use to pay off some of my husbands…