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Snowballing Link please??
Anyone know how to find this. Thanks in advance
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Basic Bank Account
Me again! I was advised to get a new account, but have applied for a basic one with Co-op (no reply whatsoever), Abbey turned me down but I dont want them anyway because their receptionist embarrassed me in front of everyone in the bank, the stupid cow and I have also been rejected by Smile and HSBC. WHAT am I supposed to…
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Having probs with Payplan
I thought they were fantastic at the start. Basically, aside from my other debts. I have a personal loan with Natwest, my bank. I was advised by the nice man not to worry about cancelling this DD as they will refuse anyway (which they did because I tried anyway) and they will take care of it for me. I then receive a letter…
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That wknd thread by "the_unknown"
Hi all This isn't completely a DFW question, so i'm not expecting it to last that long (seems the DFW board police are getting stricter)... but just out of interest... whatever happened to that thread from the weekend written by "the_unknown" ? - the guy who claimed to be bullied at school, 21 yrs old, never had a job and…
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I'm in total disbelief!
After following the advice on these forums and also https://www.bankcharges.info I have managed to get £1180 of bank charges refunded from https://www.smile.co.uk. It will really help make a dent in my debts, and I would recommend ANYONE who hasn't sent a letter to the bank to do it NOW! MrP
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payplan help
I have contacted payplan and I am having a financial assesment done this week. What is an acceptable offer to make to all creditors and what is the likely debt free amount of time? They also mentioned an IVA, and I know I definately don't want to go down that route, there is no way I am risking my house, do I have to do it…
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I'm getting in a muddle with my snowballing!
Hi guys As my thread suggests, I'm getting in a bit of a muddle with my snowballing and hope you can point me in the right direction before I mess things up! I've got 2 debts at the moment with relatively high APR's, Next and Virgin and want to shift them about to pay them off quicker and by paying less interest. I owe…
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Another Newbie takin the first small step!!
Hi there, Firstly I feel such a fraud, basically i'm a spendaholic!!!! Most of my debt has come from seeing things and wanting them now! I know i have to change which is why i am at this point. I'm pretty sure some of u'll will be thinking that this is all my own fault but I would like to try and explain a little. I think…
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temptation everywhere i turn!
just when i think i have got my spending and ability to say no to things i dont need under control - something comes along that i cant resist! today i went to the gym with my friend from work, and we did a brilliant work out. i really enjoyed it and feel much better for it. i used her free guest pass, but no i would really…
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Bad with Money
Just wondering if I could get some advice on what to do about my debts and how I generally manage my finances. I currently have HSBC Credit Card £2800 (at 1.9% APR although this is about to run out) Egg Credit Card £1276 (High apr probably around 15-17% I haven’t checked the website) Egg Loan £4700 (7%apr) Over draft £1100…
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Not enough money to live on very depressed
I am not in debt as such but am struggling just to meet everyday bills. For your information, myself and my husband are in our early 50's. We rent a house and we have no savings whatsoever. We both work full time but have low paid jobs. There is not much chance of that changing as neither of us are qualified. Our rent is…
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Interesting Debt Article...
Hi!! Just reading through this months "Company" Magazine (courtesy of 3 for £1, so don't worry!!) :0) - and there is an article on page 53 "Debt. You're NOT alone".... It's a basic article, but shows pictures of 20+ females stating name, age, where they live & how much debt they're in (quite good if you're nosy like me!!)…
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Help negotiating with Natwest regarding a loan
Hi there. Im in the process of negotiating with my creditors. Due to my Father being seriously ill the last year and passing away last month combined with being in my final year on university my income has drastically decreased. I only need about 3 months of making reduced payments then I will be in a stronger financial…
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Just closed the capital one CC after 3 years woo!
Well its done. Ive just closed it. a nice man called Daniel was trying to keep me by offering me things but I stood firm and closed. Now just got the one CC and student overdraft to clear and im back to 0. rather be 0 than minus tho eh! Sorry to ramble just wanted to share! :) xxxxxx
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Incomings and Outgoings Help
Hi all, I am trying to get rid of some debts and need some info. I am preparing a list of incomings and outgoings to send to creditors when I offer payment. Can anyone tell me the allowable amounts for each outgoing? For example the amount per household member for food each week or the amount per child for clothing each…
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WOOHOO SUB 30k AT LAST !!!!
:j Cor blimey it's taken me long enough :D Had a bit of a rotten month, BUT still managed to keep up with everything and thankfully pay out all the extra unexpected bills without messing the accounts up soooo very proud..where's that one with the halo..:rotfl: :A :A :A :A :A
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How Have You Made Extra Money?
Just wondering if there are any DFWs who work full-time but have had some good ideas in making extra money? Be it a 2nd job, selling things, etc. Any thoughts or ideas as to what could be done, it would be great to share them!! :beer:
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Do you all write down everything you spend?
I don't at the moment, but am thinking that maybe I should? I have a friend who does and she says it stops her forgetting the little things she has brought. I don't tend to buy it if I don't need it, althought sometimes go off the rails but maybe it would give me a shock to see what I do spend in black and white! :eek:
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Help! Inland Revenue
I have just returned after 6 weeks in Canada. I had several letters awaiting from an outstanding payment of Inc. Tax arrears and it must be paid immediately. Tax office is some 28 miles away as i live rural. Can i pay the balance online, or phone them with visa as deadline payment is Thursday.
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Question re Experian
Some months ago I was turned down for something because, I suspect, I've done too much stoozing and making use of current account freebies thanks to Martin's tips email. Having done nothing for a few months, I've just requested a copy of my credit file from Experian only to get an email requesting I send copies of my…
