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Free money!!!
Don't forget that you don't pay council tax in February or March, so that's extra 'free' money you can use for your debts. :j My c/tax payment for Jan has already gone out, so the next two paydays I have £149 extra each month!! Yay. Just thought I'd cheer you all up :)
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debt problem - want to start fresh in 2006
3387.12 virgin credit card – 0% balance transfer runs out on the 14 feb. I have a Barclaycard where I have 0 pounds on with a limit of 1000 pounds a balance transfer for life of 6.9% And I have 500 pounds in my a+l account with a 1000 overdraft facility interest free for 11 months I was thinking off paying the 1500 from…
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Bankruptcy & Repossession
Events for my OH's mother are proceeding at a rapid pace. For those that don't know or can't remember 1 year ago her partner left her and took the business with him...leaving her without an income. We couldn't see a way out for her and finally things are coming to some sort of conclusion. The mortgage company are…
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paying credit card with overdraft
i currently have one credit card with a balance of £1400 on it, im planning on clearing it this year i was trying to think of ways to clear it quicker and i think ive came up with a solution, i have an overdraf of £350, which i am never in, and i currently pay £100 per month to the credit card, so what i was thinking of…
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advice needed!!!
hi i'm new to all this so please go easy on me!! ok where do i start? right im am married with three children aged 4, 3 and 5 months my husband works full time and brings home on average £1000 per month, i stay home and look after the children but with the child benefit etc we end up with approx £1400 per month. we are in…
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Yippee just been accepted for 4.9% LOBT!!
Hi all Just wanted to share that I'm having a good morning as the post has arrived and we (well it's in my husband's name) have been accepted for the BA Amex 4.9% Life of Balance transfer card. We are transferring our NatWest card (that we've had for years and paid so much in interest to) - current balance £4,296 at 16.9%…
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New Year..one debt less so far!
Happy New Year All! Just got off the phone and negotiated my first F&F settlement :beer: :j Ok wasn't a massive amount...I had been paying if off for a few years!! :o Moorcroft was handling it, I called up today on a whim and asked since I owed a small amount , £77.59, would the company it was with be interested in a F&F…
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Making a start
Im going to post a full SOA at the end of the month, no point doign it now as wages, tax credits, benefits are all changing and im not 100% sure myself what they'll all be. But so far - Cancelled sky so gone from £52 pm to £10pm - Cancelled Gym membership - £30pm - Changed car insurance saving £189 over the year. Used £200…
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any advice please
me and partner have a load of debts between us and we are struggling to geta grip on any of it i know there is some really nice people out there so im hoping if i post my entire siuation on here someone will have idea ect that will help nothing ventured nothing gained! so here goes joint income (from end of this month as…
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Capital One
Hi All, My brother had a capital one credit card which had £200 credit limit. Due to late payment charges, debit interest and overlimit charges the debit now stands as £536. He received a recorded letter today from Equidebt demanding a full payment which he cannot afford. Is there anything he can do to avoid paying the…
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When money speaks, the truth keeps silent.
Happy New Year all. I am a newbie here and thoroughly enthusiastic about getting to grips with my finances. What an excellent web site and chat forum, found accidentally by the way. Please allow me to shed some light on my mess:- Debts to date include: 1st credit card – 6,000 2nd credit card – 3,000 Overdraft – 3,000 1st…
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Where To Start With Problem Debts/MSE Discussion
This thread relates to the Where To Start With Problem Debts Article. This thread is specifically to discuss the content of the Where To Start With Problem Debts Article. To discuss or ask a question about this article click the reply button Edit By BG 010207 I have closed this thread because there are lots of people…
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Want to pay extra on my loan
hi everyone i've decided i'm going to pay £100 a month extra onto my citifinancial loan so i can reduce the term of it considerably!! what do i do now? just send them a cheque for the extra £100 every month? will i need reciepts? how do i know the extra payments are being taken off? any help would be great!! Best regards…
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iva's and bankruptcy
I was lying in my bed yesterday feeling quite depressed about my partners debts and the fact that i have no money either, when i saw an advert from debtfreedirect. I went to their website and it mentioned something called an IVA. I'd never heard of one of these before but it looked quite good. My boyfriend had considered…
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Is their anything else I can do?
Hi all, I'm new to this site and only became aware of this when i was watching Make Me Rich over the Xmas holidays. I owe £13,000 The breakdown being:- Egg Card £3700 (15.9%) MBNA Card £1900 (12.9%) Mint £3400 (0% for 9 months til Aug 06) Sainsbury's Loan £3900 ( 29 payments left at 6.5%) Also I bank with the HSBC and am…
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New Years resolutions!
Well, I've finally faced up to the fact that my spending habits have got the better of me! After years of trying to keep up with the Jones's I've realised that my outgoings were almost £600 p/m more than my incoming... At the end of last year I foolishly put my debts over to Chiltern Debt Management (dont go there.......)…
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Sell Car
If you had the chance to buy a car worth £5k for £3k as a gift would you?....and then subsequently sell it for a profit to pay off debts???? I dont know cos I feel well guilty
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Where to begin?
Hi everyone, i'm new here and posted in the 'Loans' forum.....it was suggested i post again here....so here's a copy of what i posted. I'd be grateful for any advice or experiences anyone can give. Thankyou! The copy from the other forum: I am new to this forum and would appreciate any advice anyone can give. I have a debt…
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BIG debts and need friendly advice
OK i will try to lay out where i am at the moment in the hope that someone can offer some advice on my next step. my income is 38500 gross (1927 per month) and my wife's is 11760 gross (808 per month). i am very nearly at the end of a five year mortgage term with c&g and i will be looking to remortgage my 88,730 mortgage,…
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Debt Free - Sort of :)
The money my dad lent me a few weeks ago to pay off my credit cards has today finally cleared in my bank so im going to pay off both my credit cards in the next 5 mins, £900 Barclaycard £300 Capital One £800 Overdraft has also been cleared. Seems alot of money to pay and dont really want to.. Lol But I Know I have to. Glad…
