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Could I ask a little advice on shifting debt around?
Hi everyone, I'm quite new to this forum but I'm enjoying all the money-saving ideas. I wondered whether I could ask a little advice. Our current situation is like this: We have a total of £3500 owing on two Lloyds overdrafts (Platinum 2K & Budget 1.5K) when they are maxed out. We owe about 10k to MBNA (17k credit…
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Student Loans Company Help!!
I am currently on a debt management plan with the CCCS (Consumer Credit Counselling Service) to pay off various debts. (Started at nearly 30K, now down to 6.5K!!!). All of my creditors, apart from the Student Loans Comapny (SLC) have been relatively hassle free. At the end of last year i contacted the SLC to update my…
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Debt free wannabe, getting in more debt, urgent help
Hi, I am really looking for advice, the reason i have got into debt is because my partner had a gambling problem, "once a gambler always a gambler" isn't that what they say. We have been doing really well, for the past year he had stopped gambling and we were re-paying the debts that he had got ME into, stupid i know, but…
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help template letters urgent
Hallo I can't seem to find the thread with the various letters to send to creditors. does anyone know where to find it. have had a CCJ threat from debtmanagers despite the fact they set up the standing order details for collection. grrrrr. appreciate any fast answers or link to hold action template. ona
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letter responces
hi I have sent letters to the creditors explaining the situation were i will have to pay token payments. I sent them about 3 weeks ago and no corrospondence from any of them. They have managed to send me letters to say they have charged me late payment charges. I dont have a phone so i can't phone them ( i got cut off by…
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Can anyone help me - transferring balance on a 'fair' credit rating
Posted this elsewhere but got no responses so hoping perhaps you guys can help! I could really do with some help. Due to being stupid I have wracked up quite a bit of debt on credit card. I moved into shared accommodation to try and improve things and while I am no longer using my credit cards one of them, the balance…
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Would you transfer balance in these circumstances?
Hi fellow DFWs I'm looking for some advice from a snowballing expert. I have an M&S credit card with APR of 3.9% for life of balance transfer. BUT, I made two purchases on this card in Feb totalling £81.12. These plus the interest they accrue are at the standard rate of 17.9%. You don't have to tell me how stupid this was,…
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Chuffing Egg Bank!! Ancient settled defaults still showing as owed!
I went to my mortgage lender today to get a new fixed rate and further finance to fund my car for work (for which I get car allowance, so can run a new/newish car). Went through the application process and everything was good (including sickening the mortgage guy when he realised I was on a damn sight more than him :D…
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Hi to everyone and thanks - vista help required too!
Hi all, Thanks to everyone for making this site so good. I've been lurking for about a year and persuing the email but I finally posted for the first time this week. I have joined the DFW club, wrote to ten companies who I settled accounts with in 2003 with the DPA letters and am in the process of drawing up a budget plan.…
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Best way I can help a friend in constant debt?
What is the best way I can help a friend who's constantly in debt? I'm sitting here, going through my friends last six years of HSBC statements for him (I volunteered and he cannot read very well). Without wanting to give too much detail, as obviously it's quite personal, but at the same time, I want to be able to help him…
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How to Make Money!
I need 3/4K as soon as possible. I have 2K but get paid in 3 weeks approx £900. Any ideas how to make extra cash? Im selling rubbish on ebay and im looking for a second job! Any other ways to make cash! police lineups perhaps! anything!
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Properties for no money down deals
Hello, I have been buying from property clubs for years. Am sick of paying crazy fees to them, 2%, and also some deals are poor. I have started approaching builders myself, and buying 5 plus units with other investors. Buying in bulk, we can get 15% discounts, and take that as a deposit when getting mortgages. Most…
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Deepindebt...anywayout....!!
Hi guys an gals , am new to this site and was just wondering if i could learn from the wealth of knowledge that seems to abound around these here boards...:D I owe approx 58,000 pounds on credit cards, and am stretched to the limit making minimum repayments , including borrowing off one card to pay another etc so my debts…
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Pot of Money-How to use it the best way?
Hi I have a pot of money on it's way and although I would LOVE to book a holiday with it....BUT my sense of responsibility is strong and want to use it effectively as I can to ease my worries a little.I also want to retain a small sum for an emergency buffer. I intend to pay off smaller debts completely with it and then…
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Can I pick your brains?
Not literally... Mum currently owes: Credit Cards - Egg = £620.30 - 0% for another two months HSBC = £345.38 - 0% for one more month Loans - HSBC - £7666.82 @ 7.9% - £168 per month IF - £6037.28 @ 6.9% (allows overpayments) - £137 per month Both where originally £8k, taken out last March She has £300 plus interest to come…
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New rules for transport for london charges recovery.
http://www.publications.parliament.uk/pa/privbill/new/001/001.pdf this gives them unlimited rights to recover charges(penalty) as and how they want.
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how much have/will you spend today??? - Mon 23rd
:hello: Hi all, Welcome to the first wet Monday for months! :eek: Anyway, mine should be lowish spends today - need milk, homous or taramasalata or summat. Should be it! Will come back after lunch with total. (Hi Moozie wherever you are!) Keep it rock bottom low all! :T Catt xx
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How much a week on groceries for 1A + 1C?
I have been keeping my daily diary for 6 days now. Won't be doing any more grocery shopping tomorrow, so have added up all bits and pieces and it comes to £38.16 for the week for me and a ten year old boy. We both have packed lunches, and also I have got a dog and cat to feed. Also this week I had to buy washing powder…
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how much have/will you spend tues 24th???
good morning darling dfw's....or should that still be good night???? off to work in a mo but weirdly am on the ball, got up earlier for a shower and got 15mins spare:confused: so thought I'd get this an early start today :D I was originally going to go for a nsd today to kick off my nsd....but then realised that my dad is…
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24.4.07 what small dfw/mse thing will you do/have you done today?
Howdee fellow DFWers :D We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may be small…