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How much did you spend today 14/06/2005
Morning All, Looks like I am the first one on, so here goes. Well obviously, I cant really say haw much I have spent today, as its only 6.30am. :rolleyes: However, The plan is for £2 today. Just for a bit of lunch at work. Will be completely paying off a Credit Card today... Feels good :j Have a great day all, and I look…
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Catalogue Crisis
My friend (yes it really is my friend and not me!) is in a bit of a mess with her catalogue debts at the moment. She has asked me to help her manage what shes got to pay off as shes feeling a bit swamped by final demands and threats from debt recovery agencies. Basically ive worked out that after her bills and giving…
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How much did you spend today diary?
If you see on the "old style" board - Queenie posts everyday telling us about her day & how "old style" it has been. Perhaps we should do something similiar on this board? Either saying how much you have spent/not spent, how you have saved money or stuck to your budget, or had a LYBM (Live Below Your Means) day - or…
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Money wasting fool, advise needed
Hi all, this is my first post but I have been reading the fine threads of moneysavingexpert for about 1yr, mainly on cheap things to buy! I have always had some sort of debt and have generally been able to keep on top of things. This said, 10yrs ago I entered a CCCS programme for £3500 as I was 18 and thought companies…
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Is Doing An Iva A Good Idea ?
Hi ! this is my first post.We have debts of over £40000 due to illness over the last 5 years(hubby had 2 heart attacks and triple byepass op) but is now in good health.I have consulted the CCCS who were great and was advised to go for an IVA.This is being prepared at the moment.I would like to know of someone who is also…
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Network Debt Recovery Ltd.
Has anyone had dealings with this company? I am debt free but have received a letter from Network Debt Recovery Ltd. alleging that I owe £119.72 and that they have been instucted by Huttons Solicitors. Their letter invites me to telephone 0871 222 7310 without delay. I have telephoned only to be left `on hold` whilst they…
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Snowballing
Can anyone help me with snowballing? I know the basics and where I can find a calculator but my question concerns what happens when you shuffle the debt around. eg hubby has just opened a &More card and we (or should that be I??) intend to put existing credit card debit onto it for the lifetime of the 0% offer. However as…
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Why Me!
I was just about on track to get my debts to less than £7000 and now me car f***s up and costs me £400 to get it sorted! AAGGGHHHHHHHH!!!!! Sorry people, I am just having a moan. RBS STUDENT ACCOUNT - £1400 0% till whenever Limit £1400 MBNA - £5995 0% till Jan Limit £6000 MORGAN - £200 0% till Nov
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My situation, any advice appreciated
Hi folks, I haven't really got my own thread describing my situation, kind of hijacked others really so I figured it would be a good idea to put down my situation and hopefully get some useful advice. I'll list our debts first:- Cahoot Loan £13500 Apr 8.9% variable £230 pm varies according to balance Tesco Loan £19000…
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Unsecured to secured debt
I involves a Citi credit card, I have many debts and I am working with the companys to repay the money. Citi refused the offer I made and in the end passed it to a company called dlc they also have refused my offer, they have written back saying that if I do not pay them £112 a month for the first 3 months they will start…
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Credit Card- do I just keep writing ?
I posted earlier about settlements the c/c and loan companies would accept. I sent off my letters just over a week ago and have my first response from MBNA. To recap I'm being 'lent' 3k by a friend, total debts ( among 4 lenders ) 15.5k, so that's just over 20% I'm offering MBNA have said no they'd only reconsider an offer…
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Can MBNA (or anyone) do this?
:mad: :mad: :mad: :mad: :mad: :mad: Yes we owe them money - we have agreed a payment. (as we have with all the others creditors) Half an hour ago, they phone up and tell us that its going to take a long time to pay back the debt (don't we know it!), so what do we have to sell to repay their money! :mad: He then went on to…
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Settlements with credit cards
I posted earlier about settlements the c/c and loan companies would accept. I sent off my letters just over a week ago and have my first response from MBNA. To recap I'm being 'lent' 3k by a friend, total debts ( among 4 lenders ) 15.5k, so that's just over 20% I'm offering MBNA have said no they'd only reconsider an offer…
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2 weeks til payday, no money and creditors theatening
I really don't know where to turn anymore. I've tried the CCCS and national debt helpline but all they did was send informatin packe telling me how to deal with my creditors who in turn even with reduced payments are still taking most of our cash each month and we have now accounts that are passed overto debt collection…
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Help & Advice Please!
Hi All, I have just discovered the site through a search enginge and I am inpressed, perhaps you can help? Years ago I used to be the sort of person who would keep track of my outgoings to the penny! Somehow I have developed into a bit of a money waster! I have a mortgage of £90K with Northern Rock at a not particularly…
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Worried about £13k savings vs debt
I have £6.5k on credit cards - 0% APR and a £1800 18.9% APR. I also have £13k savings via an inheritance. Should I clear the debt immediately and leave £4700 or pay a set amount each month and continue to earn interest on the savings at 5% APR? Or should I keep 6 months worth of income in case of emergenies, i.e…
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Is becoming an additional card holder the answer?
I've been aware now for a while that one of the best ways of tackle the credit card debt that hubby and I have is for the debt to having it on low/zero interest bearing cards. However to get hubby to arrange for BTs on his cards is a nightmare and very often we end up arguing over me nagging him about this. Whilst I've…
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A house of cards - help
New user, first post, not sure where to begin. OK. I've got about £68k of unsecured debts, plus a mortgage of £215k on top. About 3 months ago I suddenly became VERY aware of the levels of debt. I've taken as much action as I can to reduce things, and since then I've managed to knock about £8k off the debt. I've…
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Please help me turn my life around, 24 year old with 15k debts
Here’s my story: I am 24 years old and I am consumed with depression due to the 15k of debt I have amassed. I still live at home with my parents and my miserable home life means I try and go out as much as possible, part of the reason why I have got in so much debt is my overspending each month for the last 4 years. Each…
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Bank Charges
Hi everyone, this is my first post and I need you advice Currently I am struggling with debt, I have a very young family and am currently supporting my wife and 2 pre school kids on my salary. as a result I have an 800 overdraft on my current account (Lloyds) and I always budget to make sure I dont go over it however, 2…
