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Weekend release- I am inspirational because....
Time for a regroup I think as there has been a few little niggly and upsetting incidents on here this week, and time for us to take stock and think positive. So heres the place to sing about our achievements, and put things back into focus on why we are here and what we are achieving :) just a few words needed to say what…
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We have been barered from our local barclays bank.
The manager took great offence to us claiming our bank charges back. I would be upset but she has lost the bank £1,000s each year in barclaycard interest, mortgage interest and O/D interest well done her NOT!
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Advice Please
Hi, I hope that someone can give me some advice. I'm still waiting to hear back from CCCS but I doubt that they can help me so I am trying to figure out our options as best we can, as our situation is quite complicated. For starters, my husband earns about 16,000 a year + 2,000 in child tax credits - pay £300-ish a month…
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It's only £25 but...
Bit of a dilemma. It's a long way from payday and I've spent most of this months money already. But... I've been given 2 tickets to see Foo Fighters in Hyde Park by a relative. I was going with a friend, who was going to drive in return for her ticket. BUT, she's sick and can't go now. None of my friends want to go as they…
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what can i do
Hi, i got bit messy on friday evening. Today i have deposited 230 pounds in cash and 66 pounds in cheque in one of HSBC branches. but i dont know why the amount is not credited to my account till now( Generally it will be credited immediately). my problem is now i am in overdraft and when my bills get cleared on monday i…
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Confessionals...
One good thing I've noticed about this forum is that from time to time you get a 'tangent' subject - one that's completely unrelated to debt, finance etc, and no one jumps up and down and demands the thread be removed. I think it's good for a bit of comic relief, you know? Debt is a serious subject and can get us all down.…
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update ** GOT IT BACK! Left the cash in the ATM
I am really bashing myself over this one. Exchanged some Tesco Deals tokens for Legoland Tickets so off we went yesterday. Went to the ATM to take out £50 as spending money for the day (this should also have covered my Tesco's shopping on the way home). It had taken me 4 weeks to save £30 spending money for this day. I…
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need advice with budget thanks
would be grateful if you guys could help with my budget incoming me and mr a £2000 child benefit £154.00 outgoing bank loan 358.66 car loan 147.33 over draft 100.00 suite loan 100.00 car insurances 50.00 lecky 75.00 oil for heating 100.00 life insurance 40.00 aol 17.99 tv licence 10.99 sky 21.99 union 10.99 (cant not have…
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Spend 10k for free... cool site for spenders!
I have found a great site that gives you £10k to start and lets you trade on the 'celeb stockmarket' for free, buying shares in all your fave celebs.. keeps me entertained anyway ! https://www.bbc.co.uk/celebdaq :grouphug: mabe start a club.... its cool.... i think
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Lloyds idiots
I have been on a DMP with Payplan since last October. I have a huge total debt but luckily I managed to get a really good job in September and so I have a good chunk of income to chuck at creditors. All has been going fine mostly. My biggest creditor is Lloyds - they have written to me twice and phoned several times…
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Letter from MBNA
I got a letter from MBNA this morning saying they had sold my debt on to a DCA. My first reaction was well that sucks because I was about to make you pretty much a full payment when my house sells, I had just written to all of the creditors with offers to tide them over until the house sells and I can clear the lot. Now, I…
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Trying to make money
Hello, Just had to share my experience to see if anyone knows what is going on / had the same. I signed up to do Mystery Shopping and this week got my first assignment. I read up on all the instructions and duly headed off to Mothercare this afternoon ready to earn an easy £15.:j :j :j The assignment was for GE and all…
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Ahh No Money
Check my bank account today and I'm right at my overdraft limit - it turns out my phonebill was a fainty ridiculous £132 this month. What this means is that I unexpectedly have NO MONEY for the rest of the month (although I have got a freezer full of food, and plenty of credit on the oyster card so i can get round. I knew…
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Query on Insurance canx fees
Hi, I have posted this on the Insurance Forum too but wondered whether anyone on here might offer some advice too as there always seems to be more people viewing: - Hi, Just wanted to know what anyone may know about the extortionate fees required in order to cancel my insurance. Basically I have sold my car to try to save…
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Is there a glossary?
Hiya I was wondering if there is a glossary somewhere of all the terms like IVA, DMP as I don't actually know what they are. Can anyone point me in the right direction? Thanks! Edit: OP is another one?
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Inside a credit department !
Not sure i should be doing this..... but hey... and id like your thoughts and experiences. I worked for a very very large CC bank for 8 years, I was a Credit Analyst.. a senior one where I made the yeah or neah decisions. Each morning we would be given a target opf how many accounts me and my teams HAD to approve... no…
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Lazy&indebt's progress so far...
Hi Everyone.... My light bulb moment happened 3 months ago. Since then, I have reduced my debt by £2k, saved up £600 and reduced my monthly outgoings by about a half... However....I feel like I have a black cloud hanging over me all the time. I don't even feel proud of myself for doing this and I literally hate myself for…
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Tonight with Trevor MacDonald: Relationships and Debts
The following note is from the producers of ITV1’s Tonight with Trevor MacDonald programme Tonight with Trevor MacDonald are looking for debt case studies. As part of the programme Money Saving Expert, Martin Lewis will do a money makeover on the families. The story is about people’s relationship with money, the impact it…
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New loan company trend, good or bad?
Hello Everyone! Sorry if this has been posted about before but... I was watching TV during my lunch break today and I noticed quite a few adverts by loan companies. Almost all of them are offering a 'defferment' when you first open your account, meaning you don't have to make any repayments for 5 months, which sounds…
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My CCCS appointment tonight ....
is at 6.30 pm!!:j And I'm starting to feel sick with worry already - even though had been told by them not to worry myself! Wish me luck!
