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A little-known loophole?
Hi all, I've been lurking on here for a while and thought I'd say hello! I caught part of a TV advert for Debt Free Direct this afternoon (these ads should be banned IMO, but that's another thread). The soothing voiceover on the bit that I saw claimed that DFD knew of "a little-known loophole" which allowed their clients…
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Grocery shopping on a budget
Would someone please mind posting their grocery list for a week? We have a meeting with the CCCS next week, and I would like to know what they will consider a realistic budget for food for 1 week (2 adults, 1 baby) Need to buy nappies and formula as part of that budget. I also need inspiration for shopping - if my budget…
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Preparing for Payplan
Got appointment for next Friday. So I'm in the best possible shape for them can anyone please give me some advice as to what information to have readily available? I'll get latest balances owed, details of income/expenditure ready. Anything else?
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CC balance vs savings
I am new to this site and wondering if anyone can help me with a little advice! My partner earns around 28k per year and has around 2.5k on credit cards. He has a mortgage of 60k and a car loan which the company pays. His credit card balance obviously isn't a major problem as he can pay it fairly easily over a few months.…
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Need some advice....
Hi first of.... I am new to the forum, and desperately need some advice. I would like to get some sort of sleep tonight. The situation... My husband has been seriously ill for three years. His illnesses are not covered by critical illness policies that we have. He has stomach failure (he is fed intravenously) and collapses…
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Need to get a grip
My wife and i have just purchased our 1st home so i decided it would be a good idea to get a grip on my finances and this is how they stand Capital one Credit card £3,166.74 @ 3.94% £272.90 per month in total £996.82 @ 13.21% included in above repayment £4,839.18 @ 19.89% included in above repayment Egg Credit Card…
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I want to pay my Barclayloan off sooner
Hi all This may be a silly question.. I'm looking to clear my personal loan with Barclays sooner than the loan period as I normally have around £200 left over after all my expenses have gone out. Due to it's inflexibility I cannot overpay anything each month so would the best idea be to put these extra funds into a savings…
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Borrowing Money from Parents - Tax/Legal Implications
Hi All! I'm a newbie moneysaver, so please be gentle! I'm not sure if this is the ideal forum for this question, but it made sense as I went thru the possibles! My parents have kindly offered to lend me some money to help me towards my goal of paying off my mortgage within the next few years. They had an endowment from…
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business banking for undischarged bankrupts
does anybody know how i can get a business bank account in the uk when you're an undischarged bankrupt
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Any Advise would be appreciated
Hi all, i have been lurking around here for several months but have finally decided to sort out my finances. ok so far this is what i have done began spending diary on week 3 now cancelled all direct debits to things i can live without except £41.00 per month to gym as they wont let me said im contracted till april 06.…
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Had my lightbulb moment in December!
Hi I am 41 and seem to have spent my entire adult life in debt- basically robbing Peter to pay Paul .I had my kids very young - they are now both away at Uni- and my first hubby was totally useless with money. If we couldnt pay the mortgage he just borrowed the cash off his wealthy parents! I got divorced in 1993 and lived…
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Do you think this will be an acceptable to my creditors?
Hi, Income: I currently get £1140 My outgoings are: Rent to partner (includes bills, council tax) £450. (he owns the property & mortgage is currently £800, so is paying majority of this & bills) Food (for 2 people) £100 Travel costs £45 Mobile phone £50 (normally £30, but limit set at £50- can't cancel til end of this…
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Deep in debt and need some help please!
I am currently unemployed because I am applying for PhDs, having found it impossible last year to make a successful application whilst working full time. I have been trying for the past week to get through to Debtline and to CCCS, but they are permanently engaged, so I thought I would put this post up and see if I could…
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Strange Equifax Alert!
I had an Equifax alert this morning. It is related to an old CCJ which was partially satisfied, and when I found this out, I paid the rest off and have been chasing Capital One to have my credit reports amended. The Alert said 'One of your accounts has recently had caution flag added, amended or deleted. This flag is an…
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how much did you spend today? 23/01/06
hi all. been into town this morning. bought conditioner in boots bogof and got 100 points, bought nappies, wipes and cotton wool pads with boots points. left with 3.39 on card still. paid money in bills account (budgeted for as do it weekly) spent 7.52 in co op for bits needed for dinner tonight and b/l/d tomorrow night an…
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Student Loan Debt
Apart from a £200 overdraft which will be paid off very shortly, the only debt I have is my student loan. However, after reading various bits on this forum, I'm not sure whether to pay it off. The balance is currently somewhere between £9000 and £10000 :eek: which is an awful lot of money and I don't like knowing that I…
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Yaaaaaaaaaaaaaaaaaaaaaaay! One Step Closer!!
Hi All Just thought i'd share my good news....! :j Got accepted for an egg card today. Now I can finally transfer my extortionate overdraft onto it and start bashing away at it!! (Currently pating £40 a month interest on it!!) I know some of you may think getting credit to pay off credit but I don't see it that way to be…
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Tips For Getting Out Of Debt
Hello, This is my first visit to this site. I have seen many of you that nearly have got all of their debts paid off and I was wondering how you all managed to do it? I currently owe 15K and I hoping to pay it off in a maximum of 3 years. Pleasde can people post me some tips of useful advice to me as I really wanna be…
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Payplan or CCCS??
Hi, Very nervous new poster here!! I have approx £21k in unsecured debt & am going to contact CCCS or Payplan this week for help. I have around £300 p/m to pay towards my debt- does this sound like an acceptable figure?? Also does anyone have any preference over which company to use? Do creditors prefer one over the other?…
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Friend in Trouble
Hi Guys, I have been watching this website with some interest and am posing a question in order to assist a very confused friend. I need some advice. He has been rather stupid with egg money to the tune of £75,000 and the debt has been sold onto a third party who are threatening him with baliffs orders. He owns a property…
