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Don't forget Spendahollics...
Don't forget spendahollics is on BBC 3 at 9pm tonight... :money:
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IVA or DMP
Can someone please explain the advantages and disadvantages of both - IVA and DMP? Any preferences as to which one to go for? Debt of just over £45k. eek... Many thanks.
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so depressed things get worse!!!
ave got my own money problems am doing a debt management plan with pay plan and now my boyfriend has just got court papers for a ccj from his ex employer. he joined a home computer scheme where he got a laptop and the money was to be deducted from his wages the laptops worth 600 at most and they want 1600 from him my debts…
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Default question
Hi i have a default on my account from 5 years 3 months ago. I have just checked my credit record and the default has been updated to my current address. If i do they do not contact me by january would this drop off the account and i would be unaccountable for it? or if i contacted them to pay some a month would it expire…
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Barclays have offered us half the charges back
Thats £240 and I think we are going to accept as they hold our mortgage and I don't want to pee them off too much. I'd like to thank everyone here for giving us the courage to fight. April has been a good month for us. I hope everyone else is feeling ok. :D :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j…
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Can someone please advise re Credit card charges?
Hi I was wondering if anyone could point me in the right direction. A few weeks ago I found a link on here that took me to another board(Martin had approved it but i cant find it now!!)I got some advice about claiming back charges on my credit card and now I need to find out what to do next :confused: I wrote to Capital…
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Pressie ideas that wont break the bank please
It is my friends birthday soon and would like to treat her to lots of little goodies, any tips please that wont break the bank - she always spoils me on my birthday with lots of little goodies to open She has asked me for Singstar karaoke game for the PS2 and I am using my freebie DVD.co.uk £20 voucher for this. I want to…
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I'm new - SOA included - please could you advise?
Hi, I've been reading this forum for a few days. Wish I'd known about it ages ago. I've put my SOA and some background details below. Any advice would be much appreciated. Thank you. Income Tax Credits - 819 Child/Ben - 75.83 House/Ben - 624 CSA - 460 SE income - 150 Total - 2129 Outgoings Monthly Bills Rent - 780…
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SAO....here we go, the grim facts!
After posting about my plight yesterday I was advised to post a SOA. For those who never saw the post here's a brief outline. Found out yesterday that husband has built up debts to the tune of 50K, also in same day recieved cheque for 10K from an inheritance. I assumed a secure loan ie remortgage was the only option but…
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Leaving Gregory Pennington
Has anybody had any problems leaving Gregory Pennington? We are leaving them and going for Pay Plan and i am worried there might be a charge for leaving them Fintan
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Buying Petrol - Card or Money?
Hiya I am totally disorganised when buying petrol so generally keep a card in my wallet as I never know when I'm going to run out. (Usually spend about £140 per month so its not a case of just filling up at the weekend). Do you think its easier to keep money in my purse, which I tend to fritter away or do you think its…
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Car Problems With The Or
Hi all well just got of the phone from the OR and at last they have arranged to collect my car(engine blew day after bankruptcy!!)that was good news problem is she now wants to have replacement car valued?My mother bought it for me and i did check with the OR beforehand if that was ok,Now shes saying its something she will…
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Ditched the Bank - Getting back on Track!
I have taken the plunge and closed my bank account today. So I am a person without a bank account. I'm feeling rather light headed about it all, cancelling direct-debits (everyone's nice, the best one being TV licencing office), setting up alternative methods to pay everyone. Phew! I can't afford to have a bank account.…
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*****help!! Advice Needed****
Hi to all, I'm in desperate need of help and advice. My wife recently moved out taking the kids and I 've been left with the job of selling the house(now up for sale). I, foolishly took over some of her credit cards the other month transferring them onto my accounts and now i've got bills of over £600 pounds a month to…
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Lazy & in Debt - motivation needed!
Hello! I have been receiving the MSE email for a while now and usually take a lot of advice from it but I really lack motivation and that is why I thought I'd come and post on here. My total debt is around £6k plus I have a car on HP with about £7.5k left to pay (wish I'd never gotten the thing!) my problem is I know how…
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Debt Free Wannabe Girlfriend! HELP!
Hi all I just left a message vaguely on this topic on the loans section - so hope thats okay! (im a newbie!). My girlfriend got herself into a bit of trouble with credit cards and loans when she was 18/19. Now a few years on she's struggling to sort it all out because of all the interest etc. She's got a pretty bad credit…
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So cross with OH
Just went nline to check bank accounts and noticed a mystery payment of £82.00 :confused: Rang OH and it turns out that he has spent it on an online wedding gift. This is the wedding of the daughter of neighbours, who we occasionally socialise with, not great friends. They invited us to the evening do and OH will be going…
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What have you spent today - Thurs 20/4/06
Morning everyone :) I will update later as I'm off into town shortly. Edit1: £8.99 on a present ordered online Edit2: £2.20 on return bus fare £9.90 on eating out (2 of us) £1.86 in Wilkinsons - drinking glasses and spray bottle £6.65 prescription £0.49 drink Nothing in Boots - just came home with a multicoloured hand from…
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SKY+ Alternative
Hi I am thinking about ending my SKY+ subscription and changing over to freeview. The problem is I love the features I have with SKY+. I know there are freeview PVRs available but what I want to know is which one is best. Has any one changed to a Freeview PVR from SKY+? Have you regretted it? I like the series link feature…
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What have you done that's DFW Stylee - Thurs 20th
Morning all. Bit grey here today so don't think I'll put the washing out yet. Going to get the BM on in a minute and will then shower with my BOGOF shower gel! (SS - there are some sacrificies I won't make!! :rotfl: ) Not got to go out today so should be safe from overspending. Going to spend the morning sorting through my…
