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Possible extra income
I wasn't sure where to start this thread, but I know that a lot of you are looking for way to make some extra cash and this might help. I'm sure the board guide will move it if they think fit. Respondents are constantly needed for market research projects, and many market research companies use this particular company to…
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What Do You Do!!!
Hi, I have been a lurker for quite a while. Having taken lots of the advice on these boards i have reduced by bills by about £100.00 a month, food has been cut in half, and i a managing to increase payments to pay off debts (not too huge £5000 ish). So thank you to everyone. My question is that although i do ebay and…
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Am I being realistic?
Right before I get into the SOA, I will give you a bit of history, not that I want anyone feeling sorry for me, just so you might understand... Mum killed in car carsh when I was 6, bought up but abusive father until put in care at 10, spent 6 years in and out of childrens homes/foster parents. Met ex husband at 20,…
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What Have You Done Today That Is DFW Stylee? Tuesday 30th May
Any takers today....? Mine are thin on the ground: Got lift home from work (saved bus fare) Took HM lunch (as always...scraping barrel here) Found 4p on the side of the road!!! (2 x 2p pieces - odd!) Have done some washing to hang out, it is very windy so saving electric = no tumble dryer. I hope everyone else has had a…
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What pocketmod.
Hi, Eventually fixed my pc and can now make a pocketmod, just wondered if any of you have used it and what templates you used? I would like mine for budgeting etc, food shopping and menu planning. Thank you again c
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Stuck....
I'm sorting (well trying to sort) my mum's finances and have come to a point where I'm stuck on what to do. I'm basically using three cards at present Egg - (limit £2500) - currently owe = £222 - 0% anniversary rate from Feb, currently 16.9% Marbles - (limit £8k) = £273.42 - 0% until Oct 06 MBNA - (limit £2900) = £2830.00…
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Debt Agencies, International numbers???
Does anyone know if Debt Agencies / banks use international numbers to contact you? I have had some missed calls and no messages left on my phone! Just wonder if any of you have picked up the phone of an international number only to find some agency/bank is chasing a debt? Thank you. k.
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A struggling man.
I have read through some of the advise and some of it is quality. Its already been a useful tool. It is also amazing to see how many people are in a similar or in some cases worse situation. Mine is quite simple. My partner and I have had 2 children in 2 years. She was out of work for 3. In that time I have been paying…
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What to do when/if bayliffs call
My OH is in the process of Appealing a Court Judgment against him and has sent off the Application Notice today. He received an order from the Court saying he is in default and bayliffs can call round to collect up to the value of the default (£1500 ish) what should he do when and if they call? Can you refuse them entry?…
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Please Help Big Time
I am 24 just been made redundant and in serious debt, I keep getting bank charges from my bank Halifax which is putting me further in trouble, I owe 6500 on a Credit card and 7500 on a loan and need to pay 425 for my rent a month please help me and how can my bank charge me for such a ridiculous amount. I cant get a loan…
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My sad story
Hi all, I am in big trouble at the moment. I have a total debt of roughly £33000 of which about £15000 is owed to family and friends. I have split my debts in to two sections. The first is money owed under my name and the second is owed to family members and friends: Debt under my name Student Loan: £7500 (defaulted)…
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The first time I didn't cry
Normally before MS I would burst into tears when I had news that a bill had gone up - but not now! I got an electricity bill last week which said my payments were going up by £11 a month. "I'm not paying that!" I proclaimed. My mam reckoned I would have to just pay it and live with it, but I explained to her about this…
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My Lightbulb Moment...
I was 19 when my then boss was shocked that I didnt have a credit card & suggested I got one to pay for travelling expenses... 6 years later, 25 years old & £53k debt... Does anyone have any experience of IVA's as nothing came up on a search?
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In a DMP and need to find a new house!!!
I am in the early stages of a DMP through CCCS. However, I need to find a new house to rent as the lease has expired on my current property and the landlord is selling up. How do I go about this as the Letting Agents/estatet Agents all do credit Cheks prior to applying for a property. I have several Defaults on my account…
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I think I have made it
Today is a step in the right direction, after many set backs with work and health I am finally on the right path and I am entitled to WTFC which has helped, also I rang the CCCS and they sent me out their info pack which has helped alot also. So today I did my own income and expenditure sheet, I contacted all the companies…
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Tine's turn
Hey gang :) I know I haven't been about much but it's been a hectic time here :( I need to get back on track after a month full of unexpected outgoings :eek: Some were my choice to spend and I fully accept that I was a very naughty girl about them... I'll do a full SOA (it's thankfully not very bad and to be honest I know…
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Would you class this as a debt?!
Hello everyone!! Basically, when I worked out how much debt I owe, I included the FULL outstanding amount left on my car (hire purchase) ie about another £4k in repayments and a £2.9k final balloon payment to keep the car, however the car should be worth more than £2.9k at the end of the term so I will more than likely…
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Need advice.
Hi I want to be debt free but am struggling. I have written to all my debtors offering a monthly repayment. However one (typically it had to be the worst one) want the whole debt repaying immediately. They are saying they're not willing to take monthly repayments. Which I can't blame them. My ex fiance said he was sorting…
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Awful day
I am having a real down day. I have £110 pounds to last me to the end of the month. Nothing this weekend has sold on amazon which I put up for sell. The £110 is to include at least £70 in petrol so I can get to work. Me and the other half have worked out that we are going to over £100 pounds on are overdraft and as we have…
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Not my debt but they've put my name on it!
Hi, I have a current account with Vertbaudet. However, there was an account at my old address in my ex partners name. I no longer have anything to do with his and we are not financially associated. I called them up the other day to pay my account because i could not do it online and the gentleman told me it was because the…
