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should I cash in my endownment policy
we changed our mortgage 3 years ago to a repayment mortgage but kept the policy going as a savings plan. it is linked in no way to our mortgage. however we have outstanding debts of 10,000 which could be paid off if we cashed it in. this would also then free up £250 each month. we are fairly sure this is what we should be…
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Should be coping but we're not...
Hi all its taken me along time to face up to having to do this as I have for ages thought we're ok,but the reality is the wife & I just are not coping at the moment and just dont why. Heres a run down of our SOA for you all to assist us with.We have cut back a fair bit recently and have choped and changed certain policies…
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Share your stories of desparation!
Have any of you been so poor you've stooped to new lows?! I certainly have!! For example whilst living at uni I was totally skint and starving. The only food I had was tinned mince, tinned carrots and peas, and tinned potatoes. The resulting 'cottage pie' was so disgusting even my boyfriend (who eats anything!) called it…
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Tiscali?!?!
Hi, I moved house a while ago and Tiscali wouldn't let me take their services with me so I simply just stopped paying it!!! Now, I have my credit file and have no record of Tiscali on there but my credit score is very bad....could this have affected the rating without it showing on my report? :mad:
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Selling on IVA debts
Does anyone know how to find out if our IVA debts have been sold on please?
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At Last I feel like a real DFW
Things have changed slightly for us. Yesterday at breakfast I was talking to my husband about money and he said that he is afraid that the timing belt on his van is about to go and if it does then the van will be a write-off. We are still paying off the loan for it:eek: He bought the workshop manual from ebay but it says…
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Head to head proposal
I currently have £3054.91 to clear - does anyone fancy a head to head challenge? If anyone has a similar amount of debt, we can have a race to see who's the first to clear it - good incentive!
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Hi - can anyone see what I'm missing??
Hi all Been around for a while but too scared to write out an SOA until last month. Well, that did it! OH has been banned from going shopping unless we sit and write a menu together, and I have pared everything down to the bone. Now, unless any of you can see any way I can cut down further, what am I missing??? Monthly…
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I am new and here is my mess!!!
Hi guys I am new on the boards. I am married a year and basically we wnat to think of a family sooner rather than later but I can't think about it until I get out of this mess I am in here are my debts: Egg Loan 3508.01 Egg Card 3768.45 Barclay Card 250.00 Next 500.00 Littlewoods 64.00 Halifax CC 1090.83 Total 9181.29…
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Hi, newbie (ish) SOA
Hi Everyone, I'm kinda new to this board, though I have been using the OS board for a while to try and cut back my spending. I'm a single mum of three, and due to a divorce about 3 years ago am up to the eyes in debt. I made the mistake of carrying on in work - but it sadly turns out that I was worse off in work than on IS…
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OH head in sand still
just feel really frustrated, with OH with his OD and unpaid credit card bills. We've talked and over a month ago he promised me he would sort things out. And he still hasn't I don't want to force him into it but I don't feel happy at the size of his debt, I don't even know how much he owes but it is a lot. I know I've…
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Using credit refenc agencies to estimate charges ( Re: Barclaycard microfiche fiasco)
Hi There Im one of the countless who have been fobbed off with the microfiche argument. (If you dont know about this, when submitting a subject access request ,Barclaycard state that all files held previous to 2 years ago are stored on microfiche and not readily acessible. No one seems to have found a way round their…
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to all claiming back charges
hi i have written to my bank with formal letter informing them aof my intentions to claim back charges i have received a letter from them acknowleging this and claiming they will ring in due course, now what is my next step of action i have looked on the forum site and it says claim online how and where do i do that? or is…
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Food shopping battles
My and OH went food shopping on sunday (i normally leave him at home!) He nearly drove me potty putting things in the trolley that we dont need, are luxury items that we cant afford and moaned about buying value stuff. He put in a 2 litre bottle of Robinson orange squash which was £2 odd, when asda own make is 18p a…
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Save money on postage costs
from todays Sun... BIG changes in postal charges come into force today. Royal Mail customers face having to pay for stamps based on the size of their letters or packages – not the weight. The changes will see light but large mail – such as big greeting cards – costing more. But if you’re clever you can save yourself a few…
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Credit Score
Hi There I recently registered at checkmyfile.com as I was considering taking out a loan but had been rejected from a credit card appliation early on in the year. They recommend credit cards, loans and bank accounts which may accept you based on your reports from the 3 agencies. (it isnt guaranteed, just an indication) .…
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Advice on my finances please!!
Hi all This is my first post - so please don't bite!! I'm after some views on where to go with my finances. I know my debt isn't the biggest you'll ever see, but its starting to get me down and I want to do something about it. First of all, I'll start with what I currently owe (for info, I'm 23): Natwest Graduate…
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Credit Card Debt - Help!
Hi, I want to write to my credit card company and ask them to freeze the interest and charges on my account. I have a £2000 limit and due to a few months of unforeseen expense I’ve missed a few payments and the interest and charges have taken me over my limit and its starting to snowball. I want to get the debt paid off…
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Full and final offers - attempts to reach one
I had a credit card with Sainsburys - some 2 years ago they placed default on credit record and passed the account to the delightful Blair Oliver and Scott who then went on to demand the full amount of repayment.The default happened when I was caring for my terminally ill father until his death. I accept responsibility…
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Keep falling off
Hi Guys I keep trying to be debt free, motivated for a while and very disciplined and suddenly go to the other extreme of not keeping a tab of what I spend, and doing what I like with money that isn't mine. I have a good credit record and pay bills etc on time but sometimes don't view debt as bad which is the problem. Part…
