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Head in the sand for years... Updated 08-Mar-06
Hey everyone, Just wanted to say how happy I am to have found this site a few days ago. Not only has it saved me from nearly entering into an IVA with a less than helpful company (which would have been completely unsuitable) but it's also given me some excellent tips on how to save some cash going forward and most…
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Sons debt with t-mobile
My eldest son has an outstanding debt with t-mobile of around £375, he spoke to them last month about a payment plan but they told him after he said he couldn't pay it all in one go that they would give him a couple more days, like things were going to change, then he heard nothing. Yesterday he got a phone call to say he…
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Tesco ClubCard Points
Hi there. I am usually a Sainsbury's shopper and like their Nectar points system so you can actually get money off your food bill. However I work near a Tesco store and often pop in for essential bits and so I have a club card too. Do Tesco operate the same sort of scheme...? Or do they just give you vouchers that mean you…
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Should I get insurance to cover outstanding debt?
:confused: Hi guys I have approx £15,000 of credit card debt. I have cancelled all the PPI on the cards as I thought this could be a way of reducing the debt quicker. I don’t have a mortgage – live with partner who has mortgage in his name only. Should I get any sort of life insurance or critical illness insurance just…
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Is It Always One Step Forward & Two Back?
Did (or does) anyone else feel like no matter how hard you try, someone "up there" is conspiring against you and you'll always get poor luck (financially)?? I try & count my blessings I really do and I know I got myself into most of this mess but sometimes I just want to scream!! :wall: Examples: Last Autumn when things…
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New Rules might make IVA's more feasible?
Was just reading this post about the new rules they are planning to put to the goverment about IVA's: http://www.payplan.com/weblog/?p=34 Could mean more people will be eligible for IVA's and make bankruptcy less favourable? So if anyone is pondering what to do - it might be worth holding out for a few more months to see…
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Court hearings
We have recieved notice that a creditor wants to put a charging order on our house because of arrears on a loan. The loan is in my wife's name as is the mortgage. However, she works full-time away from home so it would be hard for her to go to the hearing. Can I go in her place?
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I am debt FREE!
Hello Moneysavers, Just wanted to tell someone, anyone! Made the last payment on my (interest free) credit card today and that is that.... Well except for a mortgage of around £55000. So glad as I am about to go on maternity leave soon and we wanted it all to be gone before then :-) YIPPEE!
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just to set the record straight.. comments welcome..
I'm 23 and yup come Monday I’m petitioning for my own bankruptcy. I got into debt mainly because I was stupid and thought I knew everything, turns out I don’t!! Lesson number 1 learnt. I also started off at 17 thinking money grew on trees and I could get it from anywhere, it doesn't, lesson number 2 learnt. Lastly I took…
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Extreme Money Saving !!!!!!
Hi ! I thought I would start a light hearted / tongue in cheek thread to see what funny suggestions MSE members have for extreme money saving !!! My suggestion. Is only go to the loo at work. (ie reduces your home water bill / no flushing the loo at home, plus saves on home loo roll costs). Any other extreme money saving…
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Debt out of control - please help
Where do I start... Well about 4 years ago we were quite comfortable - had a £43k mortgage on a 3 bed end-terrace and NO DEBT. Then I fell pregnant with my 3rd child and my husband got it into his head that we needed a bigger house. I just went along with it because the houses he was looking at were £160k minimum and I…
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new to the money saving game
hello everyone, this is my first post and I am new to the money saving game, and am already a winner hurrah! After reading the Money Diet in record time (v good book!) I have now managed to save myself a massive £166 per month simply by reviewing what I am already paying for and either cancelling things I don't need, or…
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Is this it?
I live with my parents and have no income at all. Does anyone know of ways that I could make money from home? I have really, really bad credit - no Credit Cards - and am too scared to go out of the house. I'm feeling quite low and am coming to the end of my tether
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Sorry Need To Have A Rant!!!
Hi everyone. I am sorry but I need to just have a rant about a conversation I have just had with Blair, Oliver & Scott (Bank Of Scotland Inside Bullie Boys)! I have just set up my new DMP with Payplan after moving from a fee charging company and also becuase my disposable income is a lot less than what I though. So…
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way out of car finance agreement?
basically i had my lightbulb moment before christmas and i have been tackling my outgoings one at a time. having looked at the car payments of £180 a month i decided that this is an unnecessary expense and it has to go. unfortunately i now need to find the best way to get out of the contract. i have contacted the loan…
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What can't you BELIEVE you used to spend money on?
Hey everyone, I have really enjoyed reading marieb's thread - what was your worst moneysaving idea?? - http://forums.moneysavingexpert.com/showthread.html?t=158839. I'd like to know...what can't you believe you spent money on, i.e. what did you waste money on. My old silly self used to waste money on:- *Organic Earl Grey…
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Fed up today
I am feeling so fed up today:( Our debts are so huge and will take years to pay off. Nobody knows, can't tell our families as the stress would make them ill. We have a DMP with Payplan, which is going ok but it seems like money has become such an issue its coming before everything and now its coming between us. I…
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Backruptcy
Hi We just found out yesterday that my husband has been declared bankrupt, went to court Tuesday apparently. H owed the tax man 9k and was remortaging to pay off, remortgage had nearly gone through and he phoned tax man yesterday to explain what was happening and they said it had already gone to court. Can no longer get…
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Needing advice about clearing debt....
Hi, I'm just new to the forum and have already picked up lots of useful advice and tips from the forums. I am in need of some advice though about the best way to pay off my debts quickly as i'd love to be debt free. My debts are as detailed below. At the moment i am focusing on paying off my credit card and pay between…
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Small Triumphs
My lightbulb moment came almost 12 months ago....well it was more like a sledge hammer between the eyes.... I found this website and knuckled down....Cable TV went, Mobile Phone Contracts went, even the car went..... Today....I finished paying off one more debt and stuck the extra money onto another to get that one paid…
