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Help needed...what shall i do??
Hi, this is my boyfriends account that i am using but i could really do with some help... My name is Caroline and i am a 22yr old Canadian in the UK who has just completed a BSc (Hons). I hold dual nationality, which allows me to be over here and working etc.... Having spent the last three years over here at the Uni of…
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Joining the debt free wanabees
Hello everyone, I have been looking around this forum for the last couple of days and found it very encouraging to know that I'm not the only one who is in a fair amount of debt. I have been struggling with it since I was at University, and wasn't the wisest when I graduated and got a job. First it was the condition of the…
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In the money.....I wish!
My DH has been trying to claim some work expenses for a couple of months now and every time he has tried to chase it up he has been asked to fax yet another claim form to the department, we can't remember the amount of times this has been now. Anyway at last he received some of them on Friday, then he recieved anotherbig…
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HELP payplan email im confused
i had an email today from payplan but am confused by it Just to keep your informed I have copied a case note from Halifax below. This means that they will not chase ***** for the balance of this account, but it will remain on his credit file as outstanding, you will have to make cash payments over the counter at a Halifax…
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Bankruptcy only way forward.
Hi Mr January Embers here! I'm self-employed and my wife has Rheumatoid Arthritis. She worked full-time while she could then part time and now can't work. Loss of her income has led us into the smelly stuff. She gets DLA but half of that has to go on a motability car so that she can get our 4 year old to school etc. We…
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Miserable and tearful
I seem to be an emotional wreck today, if someone so much as says boo to me i burst into tears. The self service till at Tesco's had me in tears it went from going slow to jamming. :confused: we went £50 back into the O/D that OH said he had shut down. The phone bills in at £111. There are 2 more school trips and a school…
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Good News
lovely hubby has just called to let me know that he has won £200 in monthly draw at work !!!!hurrah we can now pay for kids new uniforms in sept with a bit of careful budgeting
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help
I suppose there are millions of people out there is the same position as I am but at the moment it feels like only me! I have problems. Me and my partner have three credit cards between us which are maxed and we just cant afford to keep up the payment. I have a personal loan and also have a house and a car with all the…
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Loan Protection
Hi All, I sent a letter to B/c loans 2 weeks ago to cancel my payment protection, loan payments with £176.24 and w/o would be £151.00. They have advised me that if i do this they will run a credit report and could increase my APR from the current rate 4.9% up to there max which could be anything. What does everyone think…
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what have you spent today, Wed 28th June
Hi everyone, I'm seriously trying for a good day today. I'm committed to spending a fiver as I'm booked in for eyebrows waxing (I know, I know, ought to be a luxury...........but without it I look like Dennis Healey, remember him? and I can't do it myself 'cos without my specs I can't find my face let alone my eyebrows!)…
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not as ashamed as i though i'd be....
I have just had my first couple of phone conversations with creditors, telling them that i can't pay and am setting up a DMP with CCCS. I was dreading telling people, i felt so much like mrs stupid failure when i first realised i had let my debt get out of control, but having told them, it didn't actually feel so bad.…
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Martin Lewis on GMTV today
He'll be talking about saving money your credit cards this morning.
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Home working
Does anyone know of any homeworking schemes please? I need to get some extra income but I know (from past arguements!) that getting a 2nd job wouldn't go down too well with hubby. Thanks
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My SOA - advice and tips welcomed
After several pieces of very helpful advice from some people on here, I thought I'd post my budget/SOA for September 2006 to September 2007 and see if anyone has any advice on how to reduce my outgoings. I finish my Masters degree in August and then start training as a chartered accountant. My 'only' debts are a £1,000…
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Hello all
Just wanted to say hi. Sorry I havent been on much lately and I havent contributed to anything but we're moving in a few days. Everything has come down from the loft, there are bags and boxes and rubbish everywhere and the whole house is in total chaos. The landing is so full of junk its like picking your way through an…
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the o.u course
i remembered reading last week about someone (sorry can't remember who) talking about the o.u course you and your money just wanted to say thanks i signed up for it ..now i know it costs "295 but in Scotland you get what is known as an I.L.A thing that gives you £200 towards studying so i'm only gonna have to find £95 and…
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my SOA.......help?
hi all i do post here more often than my post count says but i have re-registered as my work collegues use the site and i dont want them to know who i am!!!! so here goes..... Most common Income Take home pay £1400 (sometimes more) Child Benefit £69 Child support received £140 Child tax credit £50 (paying arrers) Most…
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£1,000 loan or 0% CC to pay off overdraft?
I need to reduce the overdraft on my Natwest graduate account by £1,000 before I start being charged interest. I have two options, but I'm not sure which one to go for. The first is to use Natwest's 'Graduate Overdraft Repayment Plan', which allows me to borrow the £1,000 interest-free over a maximum of three years. I need…
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im so tired of it all sorry self pity thread
sorry before is start! im so fed up of having no money im tired and skint and depressed its half term in 3 weeks i have no money to do stuff with the kids, i feel such a crap person and a failure as a parent my children did not ask to be skint nor will they understand when all their friends are jetting off abroad and again…
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CCCS and Budgets
Hello Everyone, My partner has her appointment with the CCCS on 12th July to go through everything etc regarding her debts. :D Just one question, we live in rented accomodation (both on the tenancy agreement) with all the bills in my name. So I am not sure what she should put down on her budget? She doesn't work at the…
