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Woolwich Bank Charges
I had never been charged for missed DD, but somehow last month I got charged £30 for a dd that I didn't know was coming out. They refunded me the charge as I stated that I have never been overdrawn and always had money in my account to cover bills (I have a seperate acc for DD's) Today I received a letter to say that a dd…
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My SOA - any help much appreciated!
Hi! After some lovely pointers and advice on a previous post I made, I have devised a preliminary SOA. I need to dig out the APRs for loans and will add these forthwith. So here goes...! Live with boyfy and daughter (2), #2 on way end of June. I work as main earner, boyfy full-time student and works part-time. Rented…
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Planning ahead to avoid debt
My fiance and I have been talking more about starting a family and we think that we ideally would start trying for a baby at the end of next year/2007. I currently earn £20k and my fiance earns a bit more, about £22k. This is probably an impossible question to answer, but ideally how much money should we put away before…
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Bankrupt: How easy to rent?
Apologies if this is the wrong place to post! I am due to be made bankrupt on 21st April and am likely to lose my house (I have a mortgage). The only option for at least 12 month's would therefore be to rent. However, apart from when I was a student I have never had to rent before. As a bankrupt, how difficult will it be…
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Best savings account for budgeting...
Hi, I'm looking for the best savings account for my yearly budgeted for outgoings. Like birthdays and clothes and car stuff and Christmas etc. I have just been putting all the money in one savings account but then I get funny about not wanting to spend it.. :rolleyes: and I'm also never quite sure whether I'm sticking to…
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which to use - credit card or overdraft?
There is no doubt about it, I need 2 new tyres for my car, just how to pay for them, credit card or overdraft? June is a 5 week month so I will get an extra weeks pay (technically) so I will be able to clear the tyres payment soon, I just think I need them sooner than June. Ceri
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Oops i fell off the wagon
hi all, i have to confess that for the last 2 monthsish i seem to have fallen of the ms wagon i have not been doing anything to save money and everything possible to spend as much of it as i possibly can so what am i to do??? please suggest ways that i can get back on the wagon regards Mrs A
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What have you spent today Tues 18/4/06
Wow - no thread started at 6pm! I've been out all day, at Toddlers, parents house, dropping off a dvd and shopping but the damage isn't too bad. £4.59 in Boots (with 400 points back :D ) £16.53 in Sainsburys, only really decadent thing was reduced Taste The Difference strawberries... health kick beat frugality because they…
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DFW Social - 23rd July 2006
Hi everyone. Just thought would see who can make the DFW Social & see if people were still up for it?? I think the park idea is the best (that way numbers arent restricted and OH's and little-uns are welcome) - I just hope the weather holds out as you never can tell!! I am thoroughly excited not only because a) I get to…
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SoA
Thought it would be easier seeing this all on screen, with my mine and my fiances debts and outgoings combined. It is so hard to see when they are separate. A lot of the expenditure has been worked out through CCCS for my fiance, I'm independent of CCCS (I have starred what fiance pays). Any suggestions would be…
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Debt Free Target Date Impossible - Suggestions
Hi I would like to be debt free in three years but I am not earning enough to make that possible. Have a few books to sell, have taken on extra work but feel like I must be missing something obvious as am not going out like I used to. I know my spending has been very eratic lately but even if I stuck to budget (yes I will…
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I seem to have come to a stand still
I'm still paying the loans and CC off. But i seem to have come to a stand still - I am now loseing £400 a month now for the next 3 months due to a change in circumstances at work. SO i'm now looking for another job. I just feel i'm coming to a stand still. Recently i had to take another loan out to pay my parents back -…
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I'm not sure where to turn next...
Hi everyone I need some advice. I basically need to borrow £5K to pay off my two existing credit cards (4.2K) and the rest for my overdraft. I tried to get a loan with Egg back in January everything was going through fine until it came to the way I was paid. I had cash cheques for a while so the problem with them was that…
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Question Re: CCCS
My fiance is currently working his debts out with CCCS with a dmp, at the time my finances were not taken into account. Is it possible to review the plan at a later date to take my finances into account? or would I have to apply seperately?
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A little help for a newbie please
Hi my name is Justine... I have been looking at this site for several months now and finally decided to ask for your help... Please bear with me as I have a lot of debt... I have considered bankruptsy and even got the forms but am trying hard not to let it come to that... Here is my Monthly SOA Income(I work part time as I…
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Payment order
Hi all had a long chat with my reciver today she is quiet certain i did not give her copys of all my bills even though she has all my bankstatments given at the same time??!!! Now the bombshell for me she said i was going to get an income payment order for £250 a month at our interview she said we had no spare funds and we…
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Credit Record - Moving abroad
hi all... this is my first time on here (so not even sure if i'm in the right place to ask the question!) do any of you know what happens with your credit history when you move away? i'm hoping to move to ireland (from UK)... is it as simple as them just checking my UK record? (a boring one i know!) thanks!
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Credit files good so why turned down?
Just this morning we, my hubby and I, have been turned down by liverpool victoria for a personal loan. We need to borrow 25,000 to pay off our CC's and take advantage of just one interest rate so we can be debt free earlier that just paying the minimum amount on all. Before we applied we made sure our credit rating was…
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To sell or not to sell
Just this morning we, my hubby and I, have been turned down by liverpool victoria for a personal loan. We need to borrow 25,000 to pay off our CC's and take advantage of just one interest rate so we can be debt free earlier that just paying the minimum amount on all. Before we applied we made sure our credit rating was…
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Mortgage calculator
Does anyone know where I can find the mortgage calculator that I can put figures into and it works out how much I would save if I overpaid etc.? Thanks in advance.
