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beating the bank charges - tonight with trevor mccdonald
oh now on itv, not sure if it will be any good though :D
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How could I resist such an offer?
Friend has agreed a repayment schedule with M&S as part of their DMP and are paying them £50 per month with all interest frozen. Today they had a lovely letter from them asking if they wanted to change it to a loan @ £5.5% with repayments of £59.18 per month. This would mean an increase in payments by £9.18 per month and…
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Hello, New DFW with soa
Hi all, I have been addicted to this site since last year and have only now just had the bottle to write down my debts/expenses all in one go. So here goes....please be gentle.... Marbles £750.02 APR 12.22%PA M/P £15.00 pm Barclays £945.67 APR 13.9% PA M/P £24.00 pm Morgan Stanley £995.36 APR 12.2% PA M/P £35.00 pm MBNA…
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Martin on Telly/Bank Charges
when is this meant to air? i thought it was tonight but can't find it in the tv guide.
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over £50K at 22
ok so its not just me but OH as well. time to really do somthing about it now. my problem so far has been using this site to find ways to cut back and save and then spend the rest of the money on other things than debts. anyways here are our SOA's if anyone has any ideas. dont want to go bankrupt or go down the IVA routes…
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Newbie question
Hi I recently discovered that I have quite a huge problem. I'm a self-employed IT contractor and, as such, have to maintain a limited company. My wife sees to the company's finances and, over time, has taken over our personal finances as well. However, a couple of years ago certain things went wrong and we had some…
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Bit of a strange one...
I have a local shop..we've been going for years, and a while ago I asked them to get baby formula on credit..and they said no.. The next day they said sorry, we should have said yes....we know we can trust you etc etc... So.... Last week the cashpoint was broken...it was raining and I couldn't go into town so I got a tub…
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Now you're a DFW, what things do you most resent spending money on?
Since bursting onto the DFW scene, I resent spending money on most things but after spending a day out yesterday and thinking I was being really good by packing a picnic - after demolishing the picnic, OH wanted a sausage roll from the kiosk on the beach. Rather begrudgingly (well, very TBH) I shelled out £1.20 for one.…
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ccj on credit file
Hi there, Just wondering if anyone could help with the following questions: 1) I have an attachment of earnings order due to a ccj. I know the ccj stays on record for 6 years, but does this time start from when you started paying the AofE or when it is finished? 2) I have seen in credit applications that most companies are…
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What should I do
I coach at a kids sports club. We just get paid expenses, it is not alot but it is a set amount which more than covers my costs. I have found out that a fellow coach has been bad-mouthing me to people from other clubs. (without good cause in my view) I set the club up two-and-a-half years ago out of my own pocket and love…
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Baillif Problem Please Advise
My girlfriend happended to get her cousin a contract phone on under name because her cousin was unemployed which meant that vodafone would not allow her a contract phone....lo and behold her cousin has now not payed her last 3 monthly phone bills which has amounted to 900 pounds.....vodafone has cancelled the contract but…
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Haggling
My mobile contract ran out a couple of days ago so today was spent haggling Current situation O2, 20Pm 50 mins, 200 txts Average Used 60 mins 130 txts I rang O2 retentions first and asked for a better deal, upshot 14 a month, same contract + samsung Z320i for £70 Said id think about it (total cost of contract 238) Am…
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Hi I'm new, here's my stuff!
I've been trawling this board for about a week before finally getting the courage to post something! I have a tendency to ramble which I'll try to curb. Apologies in advance :o Iv've been working for two years now to pay off around 28k in debts I ran up, mostly due to an inability to cope with life's problems and lack of…
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Credit card question - what do I do?!
Hi all I have £4,000 on credit cards. Last week, I called to cancel my Virgin card and was offered 6 months at 0% on balance transfer so transferred £1500 from a platinum barclaycard (was at 17.9%) and £2500 from an egg card (16.9%), there was a 2% fee but I figured that was cheaper than paying interest over next few…
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What have you spent today? Monday 5th June
Good morning everyone We will be spending about £40 today. DH absolutely *NEEDED* :rolleyes: a garden shredder so we are collecting one from ebay today for £36. Also a bit annoyed as we have a £5 voucher if we paid by paypal but he's insisting on cash on collection even though it had the paypal logo on his auction. DH will…
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I think I will need a restraining order against Tesco!
As a few of you know I have finally managed to clear my Tesco loan (3 years early thanks to inheritence). Just got a phone call from them asking if I wanted a loan! I said, "you mean I can get another loan from you guys so soon? That is great!!!". "Oh yes Mr CCK, you can have £15,000 in your account tomorrow if you wish!"…
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Should I go and stay?
Hi My daughter is down in Norfolk---she has just finished her finals at Uni. Anyhow, she gets her results at the end of June---she lives with her bf but he will be away the week she gets her results as he is on a training course abroad. I would love to go down and stay with her for a couple of days as she has no family…
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ASDA Mispricing
hi i had been to Asda yester day and bought ASDA Smart peppers which were priiced as £1.22 , but in my bill it came out as £1.36. I went to customer services and asked about, they gave 1£ simely squad as token of their mistake So friends, keep checking u r bills in supermarkets Regards Saverrram
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I'm a bit pants...
...but this forum has made me realise that I can be not-so-pants! So thanx! :p I'd love to tell you that some uncontrollable, external circumstance has led to the debts in my signature, but sadly, I just can't! The truth is, I'm a bit pants when it comes to money, which is ironic when you consider that I'm a chartered…
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QUIDCO...please explain how to do it???
as a part of my new money managing regime i think i need to make some money through quidco... please can you explain inreal english how this works and how to get paypal if thats whati need??/ also how do you get the cash? cheque dd??? thanks
