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A monster win
Go Lordi, Go Lordi Thanks to a ten pound bet last thursday I withdrew a hundred and 50 pounds this morning, on my one and probably only bet ever. I enjoyed the performance (wll lordi's) but i thought the rest were garbage, and being a guitar player with my own diy band im tempted to enter next year ;) I mean come on, our…
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I'm being impatient!
Hello All DFW's, I've just been working through some figures. I am due to be debt free in March 2010. I think I can be debt free as early as Feb 2009. I am in a job that I don't enjoy but can't leave it until my debt has gone. I am trying to think of ways to make money. I don't really have time to do a second job and the…
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Grrr! I'll never get that overdraft down!
Last month we managed to reduce our overdraft from £800 to £700! My next goal was to get the overdraft down to £600 by the end of May. Then.... .... our microwave blew up! We went and bought another microwave yesterday (which our landlady with reimburse us for) out of the money we were saving to pay the overdraft. However,…
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don't despair if you can't afford 'the best'
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Early payment of secured loans
I have a secured loan with GE with 29 months to run and am now in a position to pay it off but am going to get nailed by charges.I have been told that if i pay off the majority of the loan and leave a small balance to be payed off over the existing term I can avoid these charges.Is this possible and how do I go about…
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Please keep fingers crossed!
Tuesday is the deadline for my ex-employer to respond to my claim for Unfair dismissal/unfair deduction of wages/non payment of wages/failure to comply with SDP/sex discrimination etc etc that I lodged with the Tribunal. He was given an extension to reply as he was on holiday (!) and as yet has not responded. If he doesn't…
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If I was to come here and...
.....cry wholeheartedly in my corner because my usual on line friends are away and I feel so sad and upset would you hold me or shout at me? Not debt just confusion and not reallyh knowing what to do. Cant' talk to my sis anymore cos she doesn't like my OH and blah blah blah. and she says I should go, but I don''t know…
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Goals for w/b 21st May 2006?
Hi everyone, I know I'm quite early posting this, this week - but I need to get motivated again! I also need to try and avoid coming on here tomorrow so I can get lots of jobs done - I've had such a wasted day today! Here is a link to last week's thread:- http://forums.moneysavingexpert.com/showthread.html?t=197492 My…
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Bankrupt or what?
My friends mum has overspent big time on credit cards and is almost 100,000 in debt - despite being 70 her husband is still working self employed and is not aware of all her debt. Can she go bankrupt? Will he or the children inherit her debt or is there a way she can make things better? I know I can't do more than try and…
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Final bill from electricity supplier
Hi! We have recently changed electricity suppliers and have received our final bill from our old supplier. We were paying by direct debit, a fixed amount per month for budgeting purposes. Basically, we cannot afford to pay this bill all in one go so I am wondering what will happen, and what they might say about it? The…
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I'm worried and scared !
Hi, this if my first post to this forum. My partner and I have spent beyond our means, although I have to say we don't have much to show for it, just more going out than coming in. He was recently out of work for 4 months which has now spiralled into huge debt problems. We have two small children and I am so worried about…
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Newbie Debt Nerd
Just had my "lightbulb" moment . . any advice from you seasoned savers would be gratefully appreciated :) Monthly income - £1,100 Rent including all bills - £420 Travel to work - £50 Phone bill - £40 (tied to contract until February 2007) Food - £120 Clothes - £50 Sundries - £50 Egg Loan - £210 (which is the minimum…
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Please give me a virtual slap!!
HI all, Back at the end of March I had my lightbulb moment. At least I thought I did. Throughout April I was FANTASTIC,:D sticking to a budget, grocey challenge, questionning every expense, selling things on Amazon and ebay etc. got all my finances in order, began to put little amounts as and when into credit cards etc.…
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cashed in my points
I have just cashed in my sky card points which will save me £15 off my sky bill next month which means i only have to pay £6,the day after that i am going to cancel my subscription saving me £21 a month,i know its not much but its a step in the right direction.Atleast i will still get all the free channels through my sky…
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A few Questions...
Hi Ive recently been discharged from a Scottish Trust Deed. I have just received my credit files back and all the outstanding amounts are still on there. Do i have to write to the companies asking them to update or should they do this on their own? My partner(who does not really have any debt and has never missed a…
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Solicitor's letter arrived yesterday . . .
Basically, my debts came about because a sudden onset of arthritis put me on long-term sickness leave (paid); eventually I had to retire when I reached 60 instead of being able to work until I was 65 as planned. With the help of National Debtline, I wrote to my creditors and they stopped adding interest and accepted a…
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I finally did it...
I finally faced up to my debts today, in an effort to see why I'm always getting into my overdraft and why I've sooo much credit card debt. The answer I came to was that I am incredibly indisciplined. My income isn't that stable, in that what I make weekly depends on the job I'm doing at the time, if i am in fact doing a…
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capquest
A friend has come to see me who is in debt to about 5k he knows i am now debt free so asked me for some advise ,today he recieved a letter from capquest it stated in a long drawn out letter becouse he had not come to an agreement ,they were if he did not phone them, going to take him to court and they will instruct the…
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Scared by Credit Check on Rented Property
Okay, i'm soon to be put under the microscope by 'Letsure' who do their credit checking with CallCredit. I'm petrified I'll fail. I have had past problems. Not to the point of CCJ's or Bankcrupty but I wasn't the most stable of financial states last year. But i'm back on track, and paying off what I owe, and should be DF…
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Help clear £10k on credit card!
Hi guys I'm appealing to all you geniuses out there to help my friend clear her debts! The bottom line is £10k on a credit card - Halifax I think. She's 24 been travelling for 15 months or so and got a bit of a debt. Some is from uni but mostly gtom travelling. She got back in January, and did some temp work, and got a…
