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Anyone help a techno-dunce? please?
Hi all I fell off the budget wagon this week, when my car broke down. But I'm back and more determined than ever to get to grips with it all. i am looking for some advice about telephones, internet and tv. Now, please bare in mind I am not technically minded at all. i have ntl tv (which they are not charging me for since I…
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Just found out littlewoods are charging me 32.8% APR
Gawd in shock, they let me to believe it was 18%. That'll teach me to read thing properly. They will be going the journey for sure this month, cheeky beeps.:mad:
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Please Help
Dear All, This is my first post and I am in need of a lot of help. My mother passed away not so long ago and since then things have been tough. I am posting this however to request some much needed help. Our family has its own business (my mother used to work in) which is very difficult to manage. There is a secured loan…
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Silly wastes of money
We all have 'senior moments'. I had 2 at weekend..... Friday morning bought lovely loaf from bakers as weekend treat (don't eat bread during week, far too adictive!). It is currently sitting under my desk as I forgot to take it home. Wonder how many croutons I can make from a whole loaf! Saturday pm went to Boots.....…
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Goals for w/b 7th May 2006
Hi everyone - happy Sunday! I've had a lovely morning pottering about the car boot sale and local Sunday market and cuddling my new pu55ycats! Last week's thread:- http://forums.moneysavingexpert.com/showthread.html?t=190905 My goals for LAST week:- *Submit court claim for bank charges - whoopee! - Done and cr*pping myself…
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Is there bany real point/will it help in the long run
Overpaying store cards/credit cards by £3 to £5 a time. as I am tackling one debt at a time, slamming large payments at them. The others are getting just over minimum payment to keep them happy. So for example my barclycard is getting £20 instead of £15, m&s get £30 instead of £26. will this make a big differnce in the…
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What Have You Spent Today-Sun 7th May??
Morning Have just bought DD 2 Ted Baker tops from LXdirect using a £15 voucher, so the 2 tops have cost £13.50 inc postage. Still not cheap but she originally saw one of these elsewhere for £25 each:eek: Have a great day. PP xx
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Freezing Interest
Sorry for moaning on again!!!! But at what point do creditors freeze the interest? I owe more now (because of reduced payments) than I did before I started the DMP!!! The estimate of 5.5 years is slowly becoming unrealistic.
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Signatures...
Has anyone else had a PM from Glad asking them to reduce their sig?? I have done as asked, but noticed other people have longer sigs than mine was. Feel a bit hamstrung now! The sig was the only place I could record my achievements in getting debt free. Have you had to reduce yours too?
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Can you have two defaults for same debt?
First time poster but i've been watching in the shadows for ages! Can anyone give me a little advice please? I have two accounts with Halifax one of which is in the hands of McKenzie Hall debt collectors. When i checked my credit report it shows a default with Halifax for £1082, but it ALSO shows a default with Hilco…
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sometimes when i feel blue :(
i started out writing something about how i got here, how deep in brown-stuff i was, how tired i was from the journey even though i knew the end was not too far off (CC1 will be paid off end of this year, the rest in another 2 and half years more ... but still seems so far away), how frightened i felt sometimes, especially…
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Interesting article in Company magazine
There is an article on young female debt in company magazine this month which makes interesting reading. They've also got a page of pictures of women and how much debt they're in. It doesn't cover anything thats not already on here, but its nice to see a mag campaigning for people to not only admit their debt, but also to…
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My pledge to credit card debt
(oops, just put this in the credit card board by mistake, was intended for DFW) This week, I finally put a couple of adverts in the local free ads. Soon I will be placing more and, in a few weeks, will be selling at a boot fair. I will also be claiming unfair bank/credit card charges. I'm fortunate to have kept every…
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After All The Money Spent on the Kids
I've got a horrible cold feeling tonight. There are 2 reasons. The first is that after putting ourselves in debt paying expensive school fees all year, I found my son's school report under the bed. He had hidden it there and no wonder. He is predicted an E in biology because he has taken so much time off, without my…
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been debt free now for 4 days
well ive been debt free for a few days now, happy yes everything going fine yes . having discovered this site 3 months ago i having given a bit of input and learned a few things when i was in debt i learned a few things too all to my benefit and i found out how low some people would stoop to earn there wage(dca workers)…
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Good new re Capital One but I am not accepting!
Hi I have written to Capital One re my charges(after all the good advice on these boards) and today I have received a lette roffering me £185 back!!I am not going to accept but at least it is a step in the right direction. (I am claiming £700 back) Can anyone please guide me to the link that has the letters re bank…
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Is your mortgage the reason for your debt?
When I bought my flat I had to use credit cards for basics until I was able to get a better paid job. Looking back I realise that my debt was caused by my mortgage payments. Now that house prices are so high and so many people are in debt do you think that your mortgage is the main cause of your debt? What percentage of…
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Barclays have upped their offer
From the £240 I was happy to accept till I came on here and posted my 'good news'. To £356, but they have passed their deadline which was yesterday. They promised to phone back on Monday to confirm the £240 is back in but we will have to wait for the extra £96 as they have to get this cleared by another department. :mad:…
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New relationship, boyfriend in debt, help please
I'm not in any debt myself, but my boyfriend is and I want to help but don't know how to go about it :confused: We've only been together 8 weeks, but the relationship is serious, and I've moved in with him. He told me he is in alot of debt, around £20k, and also has a mortage (I think it's approx £130k). The reason he got…
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credit ratings and credit cards
Does the ammount of credit cards you have to your name effect your credit rating even if the card balances are 0%?
