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AIC Query
Hi, Can I just sound you guys out for a bit of advice please. I have been recieving several phonecalls from a company called AIC based in scotland regarding one of my debts. I am aware the debt exists and it is owed to NatWest Bank, out of the blue this AIC contact me emanding instant payment which is impossible. I wrote…
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Huzzah!
It's finally payday! :j And it looks like we did get our pay rise, despite being told it would be backdated next month!:D
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How much have/will you spend today Thu 31/8?
Good morning folks! Last day in August - can you believe it? I just don't know where time goes anymore :confused: Whatever you do, please don't mention the 'C' word, major bah humbug here! Well, today I am spending money. First day this week and cannot be avoided! Got 4 croissants on the way into work, felt like a…
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Could a secured loan be the way for us?
I've been reading through all of Martins info on Secured Loans this morning & i know they are evil & it would be increasing my debt at a high interest rate, but i'm wondering if we might be one of the small % that these loans are actually good for? I'll do my best to explain, we've been struggling for nearly a year, & now…
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All Gone
I WANT TO SHOUT IT FROM THE ROOFTOPS. I HAVE FINALLY CLEARED OUR DEBTS. £11K REPAID. I FEEL EXHILIRATED. On a more serious note though I was to thank all MSE's for the help and advice, it has been priceless. Every single one of you deserves a big hug.:grouphug: Thank you Tee XXXX
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Please give me advice!
I am in such a panic, I really need some advice and would be so grateful for your help. I start a new job tomorrow (had been commuting 90 mins each way in old job) which is much closer to home, less hours and less stress for just about the same money. I got my last payment from my old job today, and they've only paid me…
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Our first month
Well, thats the end of our first month of money saving. We feel on top of the world this morning. It has only been 1 month but already our lives and our out look on life has begun to change. I'm sorry for going on, but I've never felt so in control of our finances and never felt so good about paying bills :rotfl: . I wish…
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Utilising a number of accounts for your money - advice!
Hi all Just wanted to ask... When it comes to setting aside various amounts of money for different things, how do you do it? I have read about some of you having separate accounts to your main current account and having a standing order or direct debit each month transferring allocated amounts into each separate account…
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Bank Charges - Im gonna give it a go!
Hi Everyone! I have plucked up the courage to try and claim my overdraft charges back! :eek: I have also encouraged my OH to do the same so here's hoping! Im with Barclays, has anyone reclaimed Bank Charges with them, if so, how did you get on? Cheers! 1st Time Saver :)
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DCA Question
Hey. Quick question, once a debt has been passed to a DCA, do they charge interest on it? I know they whack a load of fees and charges when they take on the debt, but after that, say you agree to repay it at £10 a month, does that amount also incur interest? Thanks in advance :)
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Now we're in the poo!
I posted my soa and debts recently, and had some good advice etc. However, I forgot to take into account the overdrafts that we each have on our current accounts. And the trouble is, my husband was off sick for 2 weeks last month (a hernia operation) and therefore didn't work any overtime. So his wage was down £400 on it's…
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Debt management
Hi, I'm new and not sure I'm in the right place?? Anyway, correct me if I'm wrong! In Dec 2001 we started an agreement with Payplan. We owed approx £19,500 (terrible I know). To date we have repaid £10,471.09, yet apparently we still owe £21,359.78. How can this be possible? They claim to try and get interest frozen, but…
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Debt problems - questions about DMP and IVA
Hi all, I've read through countless posts on here and you all seem to offer a warm and wonderful support for all the people in similar situations to myself - in debt and scrambling like mad to get out of it. Here is a bit of background about me... I am 24 and have been working full time in a software developer role for…
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Why do people get in debt?
Having read some of the posts on here, I got to wondering why/how people get in so much debt. I know there'll be 101 reasons/excuses, but if the causes of debt were talked about more openly, perhaps more people would be able to avoid it. Seeing that some people owe more than a year's salary on credit cards is really scary.…
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How much do you really pay for lunch each month?
alot of people on forum take homemade lunch to work -some or most days in month. if you had to put a figure on it how much would you say it costs you? (not sure whether possible to work out)
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Another Interview!!
Yes I know, everyone seems to be job hunting at the moment. So I'm joining in! I've got an interview tomorrow. Its at 8 am! I could really do with you all keeping everything crossed for me. If I get it it could potentailly reduce bring my Debt free date closer by several months possibly even a year.:j
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My car is mine!!!
Can't believe I mentioned this before now!!! I made the very last payment on my car today. It is now officially mine. :j :j :j Only debt now is £250 on cc and £1350 to credit union (well, I have a mortgage too and that will be tackled when the short-term lending is dealt with). These will be hit with the savings on the car…
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Morally wrong? Or best in the long run?
Having a bit of a dilemma. What do you think? Our children have around £800 in savings in accounts that they've had years that pay (virtually) no interest. Was thinking of using money to take a big chunk off credit cards - will make debt free day a few months closer and apparently save £100 interest. Then when debt free…
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Thought I was doing to well!
Hiya I joined chit chat bingo through quidsco a while back. I won £40 and banked it and haven't used the site since. Today they sent me an email giving me £5 free to play. I played and won £15 but I can't withdraw the winning! Grrrrrrrrrrrrr I bet I have to play it all. I know it was all 'free' money but i'm so tight now…
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to clear or not to clear
as some of you will know, i won £1148.70 on william hill casino without having to spend anything. nw the money hasnt been paid in yet but im pretty confident it will as it said withdrawl succesfull. now i have one loan outstanding of £750 with royal liver, which isnt due to be paid back till 2010, do yous reckon i should…
