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3 months on & creditors have all accepted
Just to let everyone know that I had a letter from HFC/Household bank yesterday to say that they've accepted the offer of payment from CCCS, just have to contact them in 6 months to review it. This now means that all 5 of my creditors have now accepted the offer of payments. :j Just wanted to say to anyone starting out on…
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DFW Girls: I need your help!
I'm in severe danger of blowing a large amount of money on a dress for a Mess dinner. Or at least I would be if I could find something suitable in the shops :rolleyes: The background: I've got to go to a Mess dinner at the beginning of June (Army black tie thing). Most of the guests will be senior officers and the dress…
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What have you spent today? - Tues 9/5/06
Gosh it’s so early….. clearly my clock is telling Porky Pies…. there’s no such number as 4:45 a.m….:p The birds outside are [STRIKE]squawking [/STRIKE]…er… singing at full volume like there’s no tomorrow. :D Best thing to do is make a nice cup of tea and have a browse on MSE… will update this later…hooray… :) ......Later…
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Spectrum personal plan solution
Hi, Anyone heard of a personal plan solution that a company called spectrum financial services are doing for people who do not qualify for an IVA? There costs are 3% on any debt over 40K paid either upfront or in 3 montly payments. They offer the lender in my case £1 which is paid indefinately and reviewed every 3 months…
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need to rant
well I have been doing so well since joining here, paid off my computer and sofa, transfered c/card debt onto a 0% one and generally sorted out my life 'old style'. I hit target for the first quarter this year so was due a big bonus which I was going to pay off my final debt ( well apart from the 0% card ), a bank loan…
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Not been around much lately, but......
Just thought i'd report i'm making small (Has to be with a 6 month old!) inroads on our debt. :T :T :T :T :T
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Update from Ratty
Hello all - I will be moving to London soon to take up a full time job, but I am a little concerned about how expensive it will be to live in the city and am considering taking a second job in the evening to help out with debt payments and any unexpected bills I might receive. Initially I was thinking of a bar job in one…
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MFI Slate "card" urgent help please!!
I apologise in advance if this is on the wrong board but I need a quick answer nd most people were viewing on here.. I want follow Martin's advice and want to balance transfer on to my egg card but I don't know if my "Slate" account loan type thingy from MFI is classed as a loan or a store card. Does anyone know for…
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Bank Accounts
Hi I am looking for some advice, I have had a payplan account for 2 years now and owe approx 11k. My credit file is pretty bad as it has about 5 defaults on it and 1 ccj which is satisfied. I have a basic account with Alliance and Leicester but it offers no debit card facility which would be really useful to me at the…
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Should I want to be debt free?
Until recently I was keeping my head above water and slowly paying off my debts. A couple of months ago I landed a very decent payrise at work and stopped to think about my debts: Sofas - 2 years left (of 3) of £1000 0% APR Egg card - limit £4500, balance £3000 0% APR RBS Visa - limit £5500, balance £0 6.5% APR Student…
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PAYPLAN what is it.
can some one tell me what is/does. are you given a 'black mark' against you if you use it.
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Newbie just realised how much debt (Long)
Hello, I have just joined after getting upset about how much I owe. I have prepared an SOA, sorry this is VERY long. Monthly Income Between £1340.00 and £1400.00 dependent on bonuses (I’m using £1340.00 as a general guide) Debts Nationwide loan £276.99 pcm (6.9%apr and I have payment protection, this is needed I’ll explain…
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What Have You Done Today That is DFW Stylee? Monday 8th May
OK I know it is late in the day but I feel the need to get this down in writing! I have: Banked £5.73 in small change Am off to make broccoli & apple soup for the freezer (thanks OS!) as BF forgot what we were eating for dinner tonight and made something completely different....and I can't bear to waste the broccoli! :D…
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I need help with my debt
Hello I have decided to start a new thread about my debt also I am facing to it and try to cut on everything I can but it's not so easy. I need your help with this. Here are my debts: Egg loan £11837.89 at 6.7 % paying £311.50 a month City card £487.93 at 29.99% min.payment £15 Etam card £311.95 at 29.99% min. payment £15…
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Does such a thing exist?
I'm a little handy with the old Excel macros and I'm thinking about producing a spreadsheet thingy that works out how much you'll need to allocate for forthcoming bills and other regular payments then tells you exactly how much money you're allowed to spend on a day-to-day basis. Kind of an automated pocket money…
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BBC1 Now Real Story about Consolidation Loans!!
Watch it!! Its about homeowner consolidation loans!!
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Coin sorting idea.
Well, if they truth be told I fell off the diet wagon and succumbed to a tube of Pringles at the weekend. Just as I was about to destroy the evidence I found myself thinking that the tube would be perfect for storing coins. :T As a member of the £2 club I store those in a tin and my other change in a demi john. It might…
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Cant get my head round this, help please
HI all Right, i need advice on something my maths isnt up to much. I have 450 on a barclaycard at 14.9%, credit limit 550 Ive got a co-op travel card ( 0% apr) with £0 balance and a 2.5% BT fee Ive got 300 in my lodgers account put aside for me paying off my sofas ( 0% at the mo, 29% come october) Sofas were 800. Next…
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Turned down - twice!!
I am currently paying 12.9% with Virgin on a debt of £10,400. Applied to BA Amex to trnasfer bal and they turned me down, applied to IF and they have turned me down. Now what do I do? OH has bad credit due to unemployment for 6 months and this has affected my rating. Need help please to move this balance to LOB - any other…
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New to DFW and Advice Please.
Hi, I'm new to posting, even though I've been reading and taking advice from this site for a while now. I have put a complaint in that my mortgage was mis-sold, waiting to hear back from them, have started the 100pm shopping challenge this month, so here's hoping! I would like to know if anyone knows about having the…
