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Success Story - Endowment Complaint - Now Debt Free
After reading Martins news letter regarding endowment compensation, I thought I would chance it and complain, I truly thought I would not be entitled to anything as the endownment was sold years earlier, but to my utter surprise this morning I have received a letter from Standard Life offering me compensation of £6082.83.…
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Is it "my debt" or "our debt"?
I noticed a few people refer to debt as being "my debt" etc etc My partner and I are about 4k in debt, my sig states whats in my name and although we have debts in your seperate names, we still see them as "our debts" Our wages go into a joint account and we never state which is "my money" etc etc, we are a partnership and…
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What to pay off first with my little windfall?
Hello I've posted a couple of times but this is my first 'proper' post! I have recently received the final payout from a life assurance I took out 10 years ago. It came to £1900. I want to make sure I make the most of it and would appreciate some advice :) The first thing is to repay my parents £800 I borrowed last year.…
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Some advice please!
Hi all, Came across this site by accident while trying to sort out my debt but it seems to be an incredibly friendly and helpful place :) Me and my partner are in quite a bit of debt on credit cards and personal loans. I have read through alot of information on this site but i dont think some of the options are available…
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Advice on moving around debts.......
Hiya everyone I'm looking for some advice on the quickest way to pay off my debts, as I do tend to get a little fuddled by it all! I currently owe Barclaycard £5600, now some of that is at 12.9% but I know that at least £2000 is at 21.9%, as I stupidly withdraw £2k a few years ago to buy a car (I know, I know). I also owe…
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Benefits website???
WHats the website to check what benefits you are entitled to? I can't remember!! :o Thanks in advance
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The "It's going to be ok" thread!
HI Guys. Today I'm feeling really positive after a discussion with my boyf last night where we worked out, that if I keep going at current rate, I could be debt free in 2 years!!! So by the time I'm 26 instead of 31!!! That's a huge difference, and has made me feel really good and positive about it all. I wanted to record…
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BrRangers SoA
Alot will have seen me around giving advise but seem to have hit a brick wall seeing lack of results now, can anyone help me? In the middle of divorce so this is likly to get worse in the future. Statement of Affairs. Income My Salary: £1083.33pm . I get paid 4 weekly which complicates things but this is a monthly figure.…
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bank charges advice
hello all, its been a while since i was here i hope all posters are all doing well. i just the article about bank charges and martins advice about writing those letters-what i would like to know is can someone in my situation also do this? i have credit card and overdraft debt,been yaking advice from cccs and i am making…
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Secret Debt
Does anyone have any debt that there OH doesn't know about? I have two credit cards (about £6500) that my OH thinks that I paid off 4 years ago - will never never tell him either
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Any budget tips??
Hi all, This is the second month that I have set myself a budget, in the first month I did ok but learnt some lessons that I put into practise this month. On pay day I was so confident that I was going to achieve my goal, but today, a week before my next pay day it has all fallen apart. How do you cope with unforeseen…
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SOA's - are you allowed a budget for entertainment?!!
Hi, I posted a few days ago my SOA, which as far as i could see was reasonable. However a few people suggested ways of cutting this down - these included having my daughter stop or limit her activites, wearing glasses all the time and not lenses and using terry nappies - all of them very good suggestions. But I've since…
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1st real test today
Off to the trafford centre today with OH, this will be my first real test since my lightbulb moment, wish me luck. got to change an item and have some vouchers that i might spend fingers crossed (typed with baby on lap)
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FulLightBulb's SOA - here goes!
Net Monthly Salary £1,168.00 Partner’s Benefits £380.00 TOTAL MONTHLY INCOME £1,548.00 Mortgage/Rent £399.46 Secured Loan £156.22 Council Tax £67.00 Electricity £29.00 Water Rates £26.67 Telephone £19.99 Mobile Phone £15.00 TV Licence £15.00 Satellite TV £35.00 Buildings & Contents Insurance £30.51 Ground Rent £1.25 Food,…
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Is there such a thing as a quarter life crisis?
Who said chatting about debts couldn't lead to deep and meaningful thoughts?! A couple of recent threads got me on this train of thought. It seems like a lot of people first start struggling with debt (either getting into it, or needing to get out of it) in their early to mid-twenties- only clearly a lot of the people here…
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Full and final settlement figures
I've recently stopped smoking and wanted some advice or thoughts on what I should do next. I will be saving £136 per month by not smoking. However, it's probably more than that. So many times I would go to the shop to get cigs and then end up buying chocolate or crisps too. My first idea would be to pay off my overdraft.…
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Would we be accepted??
Hi All - after lurking for a few weeks I have finally taken the step and am now posting ;) Me and hubby had our lightbulb moment last week and have only just now worked out exactly what we owe. The total amount is £61,864 and we have a surplus income of £430 to spread out between our creditors. I have set up a session with…
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What have you spent/will you spend today? 15/06/06
Really hoping for a no spend today, it's been far too long! Updates later! Happy Thursday everyone. :D
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Advice wanted please
Hi all Need some advice for the best way forward for me know. Faced my debts 2 years ago after ignoring letters and calls and sacrificed a lot including moving back in with family. Currently owe Natwest, Cahoot and barclaycard with natwest being the biggest at 7k. I owe just over 8k in total I entered into dialogue 2 years…
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Please give me some advise.
Want To Be Debt Free Hi Can someone please give me some advise. I have a personal debt of £30000.00 and am not currently working ( on incapacity). My wife works full time and is on 20000.00 a year. I have no asset's and house is in her name ( transferred it over last year). I don't worry about going Bankcrupt but do not…
