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what else can i get reduced in price???
hi ive managed to get : ntl to pay my 14.50 phone bill for 3 months credit cards moved to 0% and 3% apr (didnt have enough credit to put them all on 0% - but better than what i have been paying 19%!!!!!) orange mobile - cant change tarrif for another 2 months but the nice bloke there took of 3 things that i was paying for…
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Please Help
ok i am prob being very dim, but i just cannot work out how to claim bank charges back. ok we haven't had any in over 18 months. but between 2001 and 2004 we did. Please can anyone help my husband and i work out what on earth we have to do. and explain it really simple. i have never worked out how many or how much bank…
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Tax credits - over payments
I'm due for my second CCCS interview on Tuesday and hopefully will be able to set up a realistic debt management plan, up until now I've only been able to make £1 token payments. The tax credit people are adamant that my payments for this year are £186 per month whereas last year they were £40. My circumstances haven't…
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selling car to pay debt back quicker?
Has anyone done this? i posted a while back, about my outgoings and incomings. We are massively overdrawn at the mo by 2000.00 :eek: (in limit) from when hubby was out of work a month back and we have a cc debt as well. We worked out that we can pay back 830.00 each month, clearing the cc debt in 8 months, leaving us with…
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Hurrah!
Feeling quite proud of myself today so I thought I'd share with people who would understand... First of all, I've paid all my bills apart from my rent this month and I'm still in the black, which is damn good for me! Even once I've paid the rent I'll be in the black although not by much. But it's much better than going…
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I'm a DFW but need some job advice
Right hope everyone is sitting comfortably as this is going to be a long one! I started a new job 6 months ago and very quickly realised that it wasn't really for me, in part becasue of it being so repeatitive (its the sort of job where you know what you're going to be doing on a monday morning 10 years from now sort of…
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ahhhh tempted to spend - tell me to stop!
I am tempted to waste money this month and I need a kick up the backside to tell me not to!! I nearly booked myself some sunbeds (bargain 15 sessions for the price of 10) although it still is £72 and my friend has offered me some herbal slimming pills - which she has used and have really worked well for her - for £33 for 3…
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Post regarding getting a free credit check
There was a post a few days ago regarding getting one free credit check per year (company opens today) but i cant find the post Can Anyone find it?
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What next? Bad week in progress!
Ok first my 17 year old cat died, she was at my mum's house so they put her down and I never got to see her again. Then my OH got given a weeks notice yesterday...it's all such horrible timing. I am on a DMP with the CCCS which is working out well, slowly I am getting there. I am due an annual bonus from work at the end of…
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Mum very much in debt
Hiya Not sure how anyone can help on this one but just want to see if there is anything I can do to help my mum. She's in her 70s and over £40,000 in debt on credit cards and loans (that's just the paperwork that I accidently saw). She lives with my dad, in his 80s, in a house worth easily £300,000, no mortgage and have…
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My Spending Diary!
Well it seems like a good idea to make myself a spending diary so I can see what i'm wasting money on. I'm currently trying to find £800 for rent by 1st July(as well as still paying off debt!), thankfully i've managed to get a 2nd job which starts in 2 weeks which will add a bit too it, and i'm applying for a different…
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Selling Bookes- Amazon or Car boot?
HI, Am trying to raise extra cash to pay off my debts that bit quicker! I have two bookcases full of softback books that I have bought over the past 4 years. Most of them are thriller/detective or chick lit books. Would it be better to list them on amazon or try and find a local car boot sale? and what sort of price would…
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How much did you spend today 1st June 06
hello, couldnt see this anywhere else..... spent £3.50 on a recorder lessons book for ds2. thats it. my purse is staying closed for the rest of today.
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Positive vibes please - finally bitting the bullet
Have farted around for the past 3 months with my debt and not done anything practical or told hubby about the extent of the debt. Well its finally come to a head after being unable to sleep for the past 2 months thinking about it and having to buy baby equipment & trying to sort out my maternity leave (am currently 6months…
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Cap Quest
i recieved a letter at the start of feb 06 stating i owed £227 to something called a Duet card? so i spoke to them told them that i had no idea what they were going on about. after going back and forward a few times i told him to prove the debt was mine and wanted a signed copy of the CCA. But ever since feb i have been…
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8k DEBT HELP
8k debt how do i clear? 4000 @19.6% 3500 @ 6.9% 500 @ 0% for 12 mnths i can get a loan @ 11.9% to covewr the first too cannot just get loan for 19.6% as the repayments for it are £150 and for the 6.9% £150 allso so toogether wuld be too much
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stopping nasty phone calls from creditors
I'm sure i have seen something about this on a thread on here but i've just searched and can't find anything. I'm hoping that some of you knowledgeable peeps will know if its true that you can refuse to deal by telephone under some piece of legislation or regulations? if it is can anyone tell me the title of the piece of…
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Ipod scam?
Wondered if anyone can help me, my friend sent me an email referring me to a site where if I register, complete a survey and get 5 friends to do the same we both get a free Ipod. It dosent sound right to me :confused: so I thought I'd come here for advise as you savvy lot know what you are talking about. If it is a scam…
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Having a bad day and its only 9:30am!
Well my day isn’t going well to say the least! I received a phone call this morning from a company I scan my shopping for in return for shopping coupons which come in really handy for birthdays and Christmas. As I haven’t been scanning very much (haven’t had the money available to go shopping very much even for food!) they…
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Jamiedodgers Debt Diary
Hi all. Following the latest trend, I am starting my debt diary. Ive had an bad few months this year, and I have let things slip, which has set back my DFD. Being the 1st June today (although June for me doesnt start until 5th as I get paid on Mondays) I thought I would make a start: Next weeks expenses £80 (June week 1)…
