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housekeeping charging???
Sorry if this is on the wrong discussion site, but I need some expert advice. I live with my partner and his two adult sons. We have a joint account which all bills are paid from (we also have current accounts), but how much housekeeping money should the lads be paying? I have read these pages with interest, and just…
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Moorcroft - Home visit
Hi all Got married end of last year. Wife has gotten herself into a bit of debt, total she owes is around £12000. She barely earns enough to pay her bills let alone her debt. 2 of her debts have been passed to Debt collection agencies which I only found out about last week. I have negotiated paying £60 on a £250 debt which…
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I'm stuck and don't know what to do next!!!
Hi hope someone can help ......... I've got so many problems I don't know where to start...... Problem 1 I'm 7 1/2 months pregnant with two other children and due to start maternity leave this time next month. Take home around £950 per mth which will all start to drop off in a few weeks time.... Just calculated I have…
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How long to keep paperwork ???
I've just spent hours sorting out all my paperwork & I still haven't finished yet. Now I'm starting to wonder how much of I actually need to keep so does anyone know long long different documents should be kept ?? i.e bank statement, Tax stuff, utility bills, CC statements etc Don't want to chuck things in the shredder…
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Prioritising Debts
Stepdad has a 15.9% Credit Card for £3000 (0% on purchases expiring this month, 0% BT through to September). £1120 has been spent on purchases, the rest is from balance transfers. 12.9% Loan for 8000. The big question is which would you try and attack (pay off) first and why? He has just been rejected for an egg loan, we…
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Credit report - how do I find out my credit rating?
I've decide I'm going to write myself an action plan for the next 6 -12 months about how I'm going to go about sorting my debt out. But I've been thinking that I should really look at my credit report to find out what my credit rating is. But how do I go about this and how much does it cost me? I'd really appreciate your…
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Which Credit Card to pay off 2k of debt!?
Hi again, I did post something similar to this in the Credit Card forum but had little reply. What I would like help with is: I have around 2k of debt and plan to pay this off with a credit card allowing me to pay this off at my own (faster) speed, the question is Which card should i apply for?, someone did mention the M&S…
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dilemma - need advice please
I have been approched to go for a part time job and I was wondering if any of the experts out there could help me to make my mind up. I currently work full time and sometimes have to work silly hours which means I am not at home very much. I am on a good wage at the moment but know that in the future that I will not be…
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Feeling Rather Depressed about Bank Charges.
-Sigh- I just wanted to post somewhere that I was feeling really down about bank charges. It's totally outrageous and I feel really helpless about it. I only earn £260 a month because I'm on an NVQ placement. I work really hard in a Special Needs School, and this month I've been charged £175 for money that has come out of…
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i think it's time
well how do i start ? ..ive been doing a very good ostrich impression for the last few years, spending money i don't have then borrowing to pay that off, i'm sure you all know the story, luckily in the past the husband had great wages... but those golden days are gone, and whilst they took some of the debt with them, we…
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My first speeding ticket
Always prided myself on having a clean driving licence ever since I passed my test...just been notified that I was snapped doing 38mph in a 30 zone. So now 3 points heavier, £60 lighter and feeling considerably stupid, angry and disappointed with myself. Pointess post. Just wanted to winge. Wah
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Anyone done a "Retun to sender"?
hi everyone, does anyone know what would happen if for instance i had a final bill from an old electricity supplier and without even opening the bill just return it back to them saying "no longer a resident" what would happen? Best wishes Luke
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Want Radio 4's help with your debts?
BBC Radio's Inside Money programme is looking for help with a programme it's doing on dealing with debt and IVAs. If you'd be interested there's more info below: _________________________ Are you struggling to deal with your debts? Have you seen adverts promoting solutions such as taking out an Individual Voluntary…
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Peppa's Debt Diary
I love the idea of these Debt Diary's and really enjoy reading them, so thought I would copy the likes of SS, James240, Molanole, Lynz and have one of my own. When I joined MSE in Dec 2005 I learnt so much from this site, read lots of great advice and managed to cut a lot of my monthly expenses. I cut our phone bill by…
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Removing Late Payments on Credit File?
Has anybody ever had the cheek to ask for their bank/credit card supplier to remove any late payments on a credit file and been successful? I have read http://forums.moneysavingexpert.com/showpost.html?p=1262355&postcount=2 and this poster seems to have had some success with HSBC. I was wondering if anybody else had done…
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Slightly Morbid but was curious...
I have just been filling in my application form to join by company pension scheme and there was an expression of wish form for you to nominate someone to receive a payout in the event of your death whilst working at the company and I was thinking, if I died tomorrow (I'm only 22 but anything can happen!) what would happen…
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"Extreme debt levels rising" BBC website
Just saw this on the BBC website..... http://news.bbc.co.uk/1/hi/business/5104716.stm apparently CCCS have reported on the rising number of people with debts & the value of debts they are seeing - maybe its just that more people are reading this forum & then going to them for help? discuss.....!
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Halifax PLC
Having read the article on reclaming bank charges, I have decided that i am going to take on my bank to get the money they have taken from me since being with them. I am just wondering if anybody else has taken on the Halifax and if they had any success! thanks in advance
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So annoyed - losing a day's wages
Just need to vent my annoyance - had an argument with OH last night and it didn't get resolved before going to bed. So I didn't sleep and this morning had a really bad headache and eyes are a bit puffy to say the least. I decided to call in a sickie. Now I feel awful as I am hourly paid and will lose a day's wages but did…
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New DFW here
Hi all, Just a Message to say hello really. I'm glad to have come across such a helpfull forum. I will shortly be asking for advice and help on my current financial situation. I want to get out of debt asap. I'm 22 in about 5k. good thing is I still live at home, so all my wage can go on payments and pay off my debt. I…
