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Great news!
Just a good news item for all you out there that may appreciate it... I bought something off eBay over a year ago and paid straight away-to make a long story short (too late!) I never got it. It was £11.50 and I put in a dispute and although I won, I never recieved the money back.... UNTIL TUESDAY! I took over a year but I…
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Advice needed on PPI- Pretty please
Hi everyone I did end up getting a loan with HSBC, at the moment it has payment protection insurance which I intend to cancel ASAP (i have a 30 day period in which to do so). I just want to know if this will damage my credit rating? Also I would like some kind of protection- can anyone recommend a company that do just the…
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I have been bad today :-(
As I have just got my new 0% CC and I am going to put my highest interest catalogues etc on it i just had my final £90 splurge on Next Directory before it is binned forever! i know it was naughty but my jeans have seen better days, and i needed a new pair of trousers for work (my big bottom has just made a hole in mine…
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bankrupt
hello, i have just found out my sister is in about 24,000 of debt and is really unable to pay it back. the monthly payments are much more than she earns and she can't see a way out. She is considering going bankrupt but wondered what other options there are available. I have heard an advert about setting up a repayment…
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Pat on the back
Hello everyone. I just want to say I hope everyone had a good Easter. I'm really pleased with myself because I didn't go over budget - despite having my first long-weekend off for easter ever! My £10 pocket money (!) from the past few weeks has gone on pescriptions because I've got a poorly ear and it doesn't seem to want…
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Innocent my left foot!!
Ahhh you guys, I've got to share this story with you :) I was going to post it the day before yesterday but I never got around to it. On Monday I nipped down to Tesco to grab some bits and bobs, it was only a quick in-and-out job. As I was whizzing down the pet food aisle to grab some cat biscuits, there was a lady…
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If any of you are in a Union
Hi, just to let people know, i found out yday that the union i am in through my work has a benevolent fund for members who are in financial hardship. It may be worth checking if youre in a union, if they have a similar thing. My union offers grants, and you can have upto £500 in a 12 month period. Ive posted my application…
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i had my first no spend day yesterday!
for the first time since i can remember! really pleased!
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how do i cancel with experian?
please help an easily confused heavily pregnant lady. :confused: i took out the 30 day free trial with experian to check my credit report and i'm now wanting to cancel it before i have to start paying for it but i dont see any obvious way of doing this from the website. what do i have to do? i'm trying to get everything…
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Any advice welcome - SOA included and long!
Hiya We're in a bit of a muddle with our finances - not really in debt at the moment but heading that way! There's myself, dh and three children by the way. Dh works and I'm a student. Sorry for the very long thread - I've tried to include as much detail as poss but I'm sure I've probably left something out as we're only…
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My partner is going bankrupt!!
Hello there, I plan to make a detailed post about our situation once Ive gotten all the relevent information from my partner, but I do have some questions that have been worrying me. My partner is going bankrupt due to a pub that went under where he was 25% partner. (i'll leave that bit there for now) Anyway, when I met…
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Debt-free Advice
I have a really bad credit scoring because I was stupid when I was young. I can get a bank account, credit card, loan or anything. I want to find a company that will help me clear all my debts in one payment per month and get rid of all defaults aginst me. I also need help finding who I owe money too and how much? I would…
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cccs question?
My husband has got himself into a lot of debt without me knowing and unfortunately because I have trusted him I have signed for some of the debt without realising how much it was. We are now going through CCCS to maybe freeze the interest but my question is my dad died and he left me some money I have £6000 left in an ISA…
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Here is my SOA....
:confused: its a tad difficult to put a correct total for the salary, as dp is slf employed, and earns different amounts each month. but here goes... tax credits (working and child) 550 child benefit 138 dp wages approx 800 total 1448 mortgage £525 internet/phone/tv £60 car ins £34 van ins £18 dp's mobile £30 tv license…
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Practical Birthday Gifts For A DFW Nerd :)
Family and friends have started to ask me what I would like for my Birthday next month and I was hoping people here may have some good ideas. Basically as I’m trying so hard to cut back I want to ask for practical gifts (although I would prefer it if they saved their money). I can’t ask for money or gift vouchers as the…
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Advice needed
Hi I have about £26,000 of debt on 3 credit cards, 2 catalogues and 1 store card. Iam managing to pay them every month but things are so tight. The main problem is that I use one of the credit cards for grocery shopping and now Iam very near my limit. If I have to pay all debts and find extra for food shopping, things will…
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What have you spent today - Weds 19/4/06
Morning everyone. I'm planning a quiet day today, trying to build up enthusiasm for a bit of tidying... :undecided It'll either be a no spend (not going to any shops) or a present ordered online (will leave till later so I can figure if I've got to go anywhere tomorrow, then combine spends). Hope everyone else has a…
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sammy115 SOA - Gulp!
Okay this has taken me ages and there is still a lot of work to do but here comes the first attempt: My salary £1384.00 OH Salary £2404.00 Maintenance £ 76.00 Child Benefit £ 225.00 Total £4089.00 (so far so good, that bit was easy and looks quite good so far!) Outgoings Mortgage No 1 £1312.50 Mortgage No 2 £326.50…
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Equifax report query
I have 2 searches on my equifax credit report, both on the same date this first search says "initial credit application search" the second says "2nd and subsequent credit application search" how many searches does this count as? and why would they carry out two searches in the first place? Thanks
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CCJ/Student Loan advice
Hi, I've made (what I think is) a great start to tackling my debts after lightbulb moment (big style) at the end of March and posting my SOA on here. Have started doing a lot of what people recommended and feeling good about it all - even managed to work out how we can afford a quicker dfd. However, OH has just found out…
