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40th Birthday Party pressie
Any ideas? My friend's husband is throwing a surprise party for her. I have no idea what to get as I also have my nephew's 21st and my best friend's retirement/65th birthday, all in July! Any fairly cheap ideas will be appreciated. Thanks.
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Should I consolidate Daughter's debts?
Please can anyone help me? I'm so worried. 21 year old daughter, earns £12000 pa. (takes home £825 per month) debts totalling £15680. One loan with Egg, balance £8061, payments £175 per month due to be repaid in 4 years time. £1000 overdraft Credit cards totalling £6618 (none at rates below 15%) She is meeting repayments…
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C&G Mortgage and Lloyds bank debt
Hi All I have been lurking around for a while, but haven't had the courage to open up as yetyes, I know you all sound really friendly and don't judge....... I have been paying token payments to my creditors for the past four months. This was done on advice from CCCS who worked out my SOA. I have been on Mat Leave, so my…
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CC Charges Refund - Confused!!
Just got this month's dreaded credit card statements :eek: I'm a bit confused because Sainsbury's have refunded 3 charges from last month, without being asked..??! Now of course I'm happy that it's £75 quid less that I'll have to pay, and I am intending to ask for a full refund of all charges (if I can get off my big !!!…
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What is AQA?
Hi - and help! On the quest for every which way to make extra dosh, I've noticed a few people mention "AQA". A search was fruitless - can anyone enlighten me? Many thanks chaps. :T
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End of Month Reckoning\Achievements
Well, I know it's not quite the end of the month, but I'm feeling quite proud of myself. :D I logged in on this board on the 13th June, feeling pretty damn hopeless. However, with the good advice from here I have : 1) Managed to sort out a proper budget, and DFD. :cool: 2) Managed to reduce my shopping from 80+ quid a week…
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People taking the p***
Is it just me who is getting fed up of people who come on here & just take this p****...part of me feels that we should just ignore them (as I have to date!) but it's quite wearing/stressful finding these individuals popping up all the time & apparently taking great joy out of our distress! Quite sad that people find…
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Tip - Save your money
Hi I have been asked to post regarding how to save your money which benefits on people who have debt problem... Here is my good tips for you guys: Saving that kind of money is to don't !!!!!! or burn your money too much meaning that I don't drink a lot but don't smoke now (I used to drink a lot and but quited smoking about…
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Any Advice Appreciated
Hi All, Am new to this site having had my 'lightbulb' moment which was very scary and embarrasing but just wondered if anyone can advise me. I have spoken to the cccs today who have advised a dmp however I was wondering if there was any other way around this. My debts are as follows: Natwest Credit Card Owe £7409.17 limit…
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Mobil
I wrote to Vodafone last week to cancel my mobile contract with them, I currently pay £23 per month and was going to change to PAYG to buy me some time to decide if I was going to get another contract or change to O2 like my DH has. Anyhow last night I got a call from Vodafone offering me a new deal - the same call tariff…
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Spending diary
Just wanted to say to anyone considering starting a spending diary - DO IT! A few people advised I should do this earlier this month. Not only have I kept within budget, I've paid £200 off my credit card and lost 4lbs as i've not bought all the usual food crap that I buy. Hubby commented the other day that we've eaten…
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Cabot Financial giving me trouble
Hello there - I recently got a letter from Cabot Financial asking me to ring them. There were no details regarding what I should ring them for, and as I have had dealings with debt collectors in the past I knew to ignore it until further info was forthcoming. A couple of weeks later they wrote back with details - basically…
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Hello, good evening and welcome
My salary - £1,200 (variable plus or minus £50) Total - £1200 Monthly Outgoings: Mortgage/Rent - £325 Council Tax - £50 Gas - £ Electric - £25 TV License - £5 Sky £40 Phone - £20 Food - £40 Car Insurance - £0 Petrol - £0 Life Insurance £0 Egg Loan - £183 First Direct Loan - £276 Barclaycard - £60 Personal - £150 Total:…
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Confused by Credit rating
Hi all, I just thought i would get a credit rating from experian see where i was at now and then I thought do one quarterly to see how i improve. Strange though when i received my report it included cards such as Debenhams Store Card with nothing on it and HSBC CC which is clear. They seem to be present but i thought i had…
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Oh no!!
I've just spent a week's budget in an hour!! I spent my £10 spends on lunch for my friends birthday. I don't begrudge her it or anything, but I bought her a pressie and went out for dinner for her birthday on Saturday and that cost £22 (for dinner) I prefered it when I was tight and no-one asked me to go anywhere!
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Credit Check for flat.. help urgent!
Hope this the correct forum. I have 2 outstanding 'bad' debts and one paid off CCJ. I am currently paying off my debts and have not incurred any more in almost 10 years. I have not lived at the address these debts are 'attached' to for almost 10 years (my parents) but kept the debts 'there' out of simplicity. I now need to…
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which debt collecting agencys ring from 0800 numbers
just missed an 0800 number call confused as to who it could possible be, they left a blank message on answer phone yesterday and again today any ideas would love to know who ive missed
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newbie needing help
hello all, I have credit card with about 900 on it paying 0% till sept but just found out partner has a credit card with over 2000 on it and paying interest and he has another with about 300 on it and paying interest on that too. He wants to consolidate all debts i am not so sure that is the right move help.:confused:
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Does this make ANY sense? I've confused myself totally...
Firstly just wanted to say how pleased I am to have discovered this forum. I've had some really good advice and tips, and its really encouraging to watch how well people are doing. Afraid I'm going to have to ask for some more advice- I'm really struggling getting my head around balancing a budget for 2 of us whilst paying…
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Best way to appeal car park fine?
Just when I'm doing well...I manage to get a car parking fine!! What really annoys me is that I had paid for the ticket and thought I was doing the correct thing. I even overpaid by 20p as I didn't have the correct change! Silly me, didn't read the bit that said 'you must be a permit holder to park here before 09:30am'. I…
