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Progress report
Ok, so in Jan 2005 I owed £10,649. The whole "living on virtually nothing" idea went out the window dead quickly. But I've been trying to get creative nevertheless. I've been sticking to a strict budget and keeping spending diaries to make sure I don't overspend. I now live on pigsback.co.uk, and quidco.com I currently owe…
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Fed up with my credit card
Hi First time I've posted on here, although I read regularly. I thought I might get some advice on a credit card that I'm a bit peeved with. Firstly we do have a fair bit of debt we are working through. We have our own business, although mostly my partners and we've only been running nearly 2 years and last year we ran at…
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Letter disputing debt???
Hi i am sure there was a thread on here with lots of great letters but i cannot find it as search isnt working. I am in need of a letter to send to debt collector saying that the debt is in dispute? Anyone know of one carli
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Strange call/Text- anyone heard of CSL???
Have had loads of withheld numbers & a text message asking me to contact CSL on 0208 773 7117, quoting a reference number. Has anyone heard of these or know who they are? Are they a collection agency?? Thanks- am worried as to who they are?
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wingginsmum - are you here?
The book came today and i just wanted to say a massive big thank you :T :A wigginsmum very kindly offered me her spare copy of Martin's book "The money diet" on sunday during my very post on here. Talk about speedy - it arrived in today's post :D It looks really interesting and i can't wait to get the kids into bed tonight…
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Moneysaver(DFW) of the month
Seen as though we have a post of the month, why dont we have an award for money saver (or DFW) of the month? This could be judged on a number of things such as: Most debt paid back Inventive ways of paying money back Outstanding determination (which there is a lot of on this board) Most helpful person Inspiring story…
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Spent nothing for 3 days
I think thats a personal record!!! How long can i keep it up? not long probably i need bread tomorrow. Whats the longest you've ben without spending???
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Help to sort out my debt
Hi, I've been on here for a few months now and it's been good, but today my car cost me a further £300 to repair it, so my monthly budget this month is terrible - but what can I do? Debts: Cahoot Personal Loan, 9.7% £3400 remaning [Ends 2009] - £106.50pm HSBC Personl Loan, 7.9% £7000 remaining [Ends 2010] - £160.90pm HSBC…
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citifinancial
hi all, anyone had any dealings with citifinancial? after taking quite a drastic paycut i'm gonna struggle to pay them back! i've talked to payplan who said to offer them a token payment of £1 a month and enter into a debt management plan, i currently owe them £9000! anyone had any dealings with them? Best regards Luke
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Cashpoint card cloning
I don't know if I have put this in the right thread. I am sure we have all read about this but you always think this cannot happen to you. My son phoned me last night to say that £900 was missing from his bank account. He had phoned the bank and was told that 3 withdrawals had been made £300 each over the weekend from…
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proof of debt
hi, all i have had a in depth talk to a solicitor for my place of work and i thought the following may be of interest to those being harrassed by debt collectors via telephone if they contact you by telephone and state they now own the debt ask them for documented proof of ownership of the debt or proof it has been…
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What Have You Spent Today 7th March 06
Well I wont be having a spend free day today as I need to buy and post a birthday card for a friend and Ive forgotten my lunch again :o I hope everyone does better then me!! Pixie
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a little help please - firstly...
Hi, here's a brief rundown of my situation: I owe £42500 approx. on cards and an overdraft. I am self employed and my business is *profitable. I have stock worth approx £12000 (need to do a proper calc there). My monthly outgoings are approx £850 to live and provide for my family, the rest of what I earn goes to the credit…
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Credit card debt and Maternity Leave
Hello all, I start maternity leave at the end of this week and I'm really worried about how I will meet my credit card payments. I owe about £8k in total. My statutory Maternity pay is £106 per week. I have reduced as many of my bills as possible but is there a way other than my suggestion below, that I could pay them back…
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Your advise please
Hi everyone, I'm hoping someone will be able to help me please, I am in debt by £5000, this might not sound alot having read other peoples threads but it is worrying me because I'm not quite sure how to clear them and don't want them to spiral. I wanted to get a loan out to consilodate the amount but having read previous…
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Mobile phone contract
Hi I have a mobile phone on contract with T-mobile. I want to change it to a PAYG for obvious financial reasons!! I rang T mobile and they said I was tied into the contract until June. Is there any way I can get out of this earlier without spending any more money? (I am paying £30 a month) Also I took out an insurance…
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How much have you spent today? March 6th (please ignore!)
Sorry just seen the other thread - page hadn't updated :o
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job vacancies
does any body know any good job centre online websites thyat cover work for n.ireland as i am currently looking a part time job in some where like my local asda at the weekend. and does any one know the hours of the weekend shift at any supermarkets.........
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how to stop those lunch time spends
Just a thought--- I am at home all day so i have lots of time to think of theses things inbetween dropping and picking up children. i read the what did you spend thread nearly everyday and I am amazed how often " had to buy lunch as i forgot it pops up " so i had this thought Leave a tin of soup in your drawer or desk or…
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Hello, This is Misters Big Brother.
Hello I seen alot of posts here about bank charges etc, well I have been paying overdraft charges for as long as I can remember about 6months to be precise. I kept going over my overdraft limit of 200 pounds and was charged 14 pounds a week. I am only starting now stoping myself going over it...
