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Just a moan!
Sorry before I start but this is just a moan really and probably on the wrong thread! I'm trying to get straight with money. I'm self employed and working as many hours as I can around two children in school etc etc. Twice now i've cancelled all clients to wait in for British Gas to do the annual service. Twice they've…
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is bankruptcy the only option
Hi all just joined the forum in an effort to get some help for a good friend of mine who is absolutely distraught about her debts, I have advised bankruptcy to her but after looking on the net etc I see this is not her only option. Her brief story is she is a professional who earns 30k per year but lives way beyond her…
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Daft question
This is a daft question. I've got an extra £600 to throw at one of my cc debts this month. All of them are 0% but the choice is between either my Capital One Card and my M&S Money card. The 0% runs out in August on both and I owe £4174 on the Capital One and £3345 on the M&S card. I just cant decide which one to pay, the…
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Buisiness rates and the Bailiffs HELP !!
I am in desperate need of some advice. I had a small shop a while ago that I had to close before somebody else did it for me, The majority of creditors are now on a payment plan to pay of the debt, Like a plonker I didn't do anything about the outstanding business rates and now I have just had the Bailiffs at the…
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LuckyLuckey's SOA
Hi! I have been reading these posts for a while and thought I would post my SOA as they stand now .This is my first post, so please be gentle! Basically I have been lazy and not paying things off (only paying the minimum!). But my new year resolution was to be debt free before the end of the year, so I am back on track…
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ITV1 at 9.00...flash families...
Looks like this would be a good one for us lot to watch so we could feel all virtuous (for once!!)that we are no longer that silly & will no doubt from previous threads all be shouting at the telly "you spend what!!" Just thought I'd mention it!!!
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HSBC graduate loan
i have a HSBC loan currently i owe £8384.26 (including interest which is 6.9%) does anybody know if i can get a better deal anywhere else?
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Revenge on Debt Collectors?
Just curious to know if anyone has any (legal) suggestions on getting back at these (at times) uncaring and unconsiderate !!!!!!!s.
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Paying off the morgage (good times)
I have three mortgages 1- about £33,000.00 2- about £17,000.00 3- about £5,000.00 November this year i will be debt free apart from the mortgage, ? is, I intend to pay as much off my mortgage as soon as possible, hoping to pay it off within the next 6 years, give or take a year or so. What do you think would be the best…
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Could my debts effect my relationship
Ok so i know this isnt the normal sort of topic but just wondered if anyone had any experience of my problem The thing is ive got quite a lot of debt, and due to one thing or another my credit rating has gone from excellent to non existent in the space of bout 7 months. Ive told my girlfriend all of my debts and she is…
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CCCS - Is there an equivalent for business?
Hi... Qyestion for my friend.. She leases a pub through Punch Breweries and is really stuggling to pay her creditors.. i.e. Rent, Council Tax, Stock.. as the pub is not doing well.. She has a lease for ten years and is only 1 and a half years in.. Does anyone know who could help her with this..? Is Bankruptcy the only…
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Any suggestions?
Hi, I'm not sure this is the right place to post this, so please feel free to move it! I've only been posting for a week or so, and have had some great advice on little helpful ways of saving etc, but seeing as previous requests for help are mainly part of a bigger problem I thought I'd post the whole thing and see if…
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1001 Things a (true) DFW would never say!
1. Ill just pop that <insert highly expensive item> on my credit card next.. :) ***Edit*** Changed title ****
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The Light Is On.....Please Help!!
Hi Everyone After burying my head in the sand for a few months now I decided this morning to look at my financial situation.....and what a shock I've had.....:eek: .....my current debt stands at £21,291 I really don't know how it's got to this point and feel like there is no way out so I'm hoping someone will be able to…
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June benefit challenge
Ok folks.. giving it another go! Anyone joining in for June? I take whatever you would get as benefits if I were not working, take off - insurance - gas and leccy - the cost of a weekly bus pass (cos I assume I'm selling my car) That leaves me £141 for everything else. I was about £40 over for May due to an incident…
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Ljd1 Soa
Hiya I've been reading this for a few months now and posted a few times but thought it was time to see how you good people can help me! I wouldn't say we're terribly in debt but equally we have an offset mortgage and we're not always paying capital of it...just the interest. We have no excuse as we do have a good income.…
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Quick CC maths question please!
Hi hope this doesn't make me sound too thick BUT.... If I've been charged £31.09 interest on my credit card and the monthly interest rate is 1.456% what should the balance have been? Thanks in advance :T ITR
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Can I pick your brains please?
A young girl at work has just asked me to help her find a loan - she is 21 with her own mortgage, and very little disposable income.. I want to offer her some advice, but I hate the idea of her getting a 7 year loan (which is what she was asking about) She has a £1400 overdraft with Lloyds She earns about £1100 p/m Her…
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What will you spend/have you spent - Fri 26/5/06
Morning :) Today is Farmers Market day for me - it's also pay day but that doesn't have much of an impact apart from shifting money about :cool: - hopefully. For the first time in an age I've got a glimmer of desire to look at clothes though... Edit: I did look at clothes, I found lots I liked which was frustrating because…
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Help & Advice
I need advice .. I am desperately trying to pay off debt in as little time as possible .. my credit rating does not appear to be good .. at the moment I have trouble applying for new 0% cards, better rate loans, etc to shift debt to. My bank (lloydstsb) has offered me a personal loan of £11,400 at a cost of £283 per month…
