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All Regular Debt Free People Read This!
hi i just wanted to make sure that you have all purchased your euromillions lottery ticket this Friday. How would you spend £100 million?? ;) I have decided that if I win and win say £10 mill or more I am going to allocate about 10% to people who make me smile everyday on MSE and the debt free wanabee forum. Please also…
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can anyone advise?
Hi - we are just about to embark on a First Plus Secured loan, we have all the paperwork and all we need to do is sign on the dotted line. However I feel very nervous having read all the correspondence re First Plus. Can anyone advise the best route to take - we need a loan of 59K to consolidate existing debt and credit…
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Help PLEASE re Council Tax
Hi I had my lightbulb moment when I joined this site in December - I realised that I needed to get sorted out for good and get everything up to date - and my Credit card paid off. I had an agreement to pay my council Tax at £100 per month- I made this agreement in October. I had missed one of the payments(this agreement…
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What would you do, when you are Debt Free?
Have been thinking, although still in debt and my Debt free date at the moment is 2012, what you you be doing on 'that date' or your first pay check with out a debt payment? (not mortgage but that's another party!) Would you go back and do it again? :confused: Me 'no thanks' Would you ring your bank and let them give you…
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How much have you spent today? 25/01/06
Hiya, was looking for this thread for today but couldn't find it so have taken it upon myself! Apologies if there is one and I missed it! A good day for me... £7.53 on ebay parcels (so a profit overall really) Earned a £10 M&S voucher for 2 hours on a student discussion panel. Not somewhere I normally shop but think I will…
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my card juggling proposition
Hi, I posted this over on the Credit Card section last week but it's been buried in the mass of mails and has never gotten a reply.... so here it is here ( i figure it IS to do with my debt free wannabe status! ) I'm thinking of trying out the old shuffle to push the companies to offer me lower APR's ( pref LOW LOW LOB's…
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Refused Mortgage ?
I am looking to buy my first house but I have just phoned Halifax mortgage line up and they offered to lend me £80300 and that was as a single applicant but then they ran a credit check and I failed it so what should I do know ? If me and my partner have a joint mortgage is the a way of putting it in her name so they dont…
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Widowed Mum has paid off my Dad's credit card debts .... did she need to?
My Father passed away fairly suddenly in August 2004 owing approx £35,000 on various credit cards and an unsecured personal loan. All credit card agreements and the loan agreement were solely in my Father's name. On obtaining his death certificate my Mum contacted all of his creditors and informed them of the situation.…
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Will lender see Settled or Default?
I have today had an old account with Capital One changed on my credit report. On Eqifax, it has gone from ' D' (default) to 'S' Settled/Satisfied. On Experian it has gone from '8' (Default) to '0' (up to date,although it is a closed account!) . Will a lender see the Settled/up to date, or will they be able to see it was a…
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Help - Debt not in my name
Hello all, This is my first post so any advice would be greatly appreciated. I discovered about 8 months ago that my wife had been helping her brother out financially following his divorce and has amassed debts of between £20,000 to £25,000. All of these debts are in my wife's name. Yes it has caused much argument and…
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Not sure what to do...
Okay.. I've just got a HSBC 0% for 9 months cc.. i've done a few BT from my existing Barclaycard and monument (that I plan to close) and mint. I've got an oustanding £600 which i'm gonna use my savings to pay off asap. So then I'm left with a flat £2.5k on my HSBC cc. I'm gonna pay £300 a month that will clear this in the…
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freezing interest
hi guys well as no one seems to have a idea about my last question im thinking about paying my debts off myself insted of using a dmp if i was to ring my credit cards and ask them if they would frezze my interest as i want to pay off my accounts asap would they do this and what is the best way to go about this i dont think…
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BR and going Guarantor
My friend is going BR and is a gurantor
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IVAs and Bank Accounts
My main bank account is with one of my creditors. I realise that I will have to change this. However, I also have another account which at the moment stands at zero - I do not owe any money to this bank either. If, as we suspect, we are advised to go for an IVA will be allowed to keep this account as our basic account? It…
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New flat - but how much to budget??
Hello all!!! I am thinking of moving out of the dreaded parents house and renting! I need to weigh up all the pros and cons and of course the costs!!! I have found a one bedroom flat in Ruislip (London Borough of Hillingdon). Can you advise me on approximate and cheapest estimates of the following? Council Tax Water Gas…
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Cooking meals thread
I had a thought, not sure if it should go here but it seems the right place. One on the biggest bits of advice that seems to be given for people trying to get out of debt is to reduce there shopping bill and this advice is usally followed by cooking your own meals from scratch. So I thought maybe this thread could be used…
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should i go alone
could anyone please advise me in should i go through cccs to do debt management or should i go alone? i just had appiontment with cccs this morning and they advised me in going through their debt management, which is all well and good and appreciate their advice but to me it just seem so final. i have been in touch with 3…
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Bit of debt advice
Hi all, been browsing round here for a while now but thought I'd make a post see if you clever gus and gals can give me some advice. My debts currently stand at about £6,600 (maybe a little more, this does not include my student loan) which is basically my car and a credit card bill which I've been trying to pay off for…
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Return to country after abandoning debt
I realise this post may get a few people upset - those who are working hard to pay off their debts - but I would appreciate any advice. I left the UK 4 years ago to live in Japan. I gave some of my creditors my address in Asia and I made a few payments whilst away toward my various debts (totalling about 15,000) I also…
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More going out then in!!
Hi there, I am in desparate need of help or advice! Basically i have around £34000 of debts which I am struggling to pay off. I don't know the current outstanding balances but I can tell you how much was taken out and when. Cahoot £12000 January 05 8 years £200 per month Halifax £8000 October 04 8 Years £126 per month…
