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kind-of-free virgin phone
If anyone has been on virgin for a while, did you know that you automatically collect what is known as red reward points. 10 pounds worth for every 100 pound spent. I had 30 pounds off price of a phone, so i could of got a free phone. BUT it gets better - if you go for a more expensive phone you can get 30 pounds of credit…
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Morning peeps!!
Hope you are all well this morning............in the words of a song (can't remember which one:o )....hope everything starts going your way.....(from today onwards......I'm sure that wasn't in the song but as I can't remember which one I'm thinking about...I dunno:o ) Ooh, wait there...I think it's by Lenny Kravitz.....oh…
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can i have a debit card when bankrupt
is it possible t hold a debit card while bankrupt, effectivly its not credit so is this ok?
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Any DFWs awake?
Hey there Just wondering if anyone is still up and about at this late hour? Annie Xx
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Pleasing Kids in the middle of nowhere for £0
Hi all New poster....great site....you all seem very supportive. Have not got round to posting up my full debt details...but around 15K and watching the APRs. But my main point is we have 2 kids and live in a small(ish) town on the Welsh coast. Fantastic when the weather is good..........but lousy when it is drisling in…
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stubborn OH
I found out a few months ago that my OH had debt problems, just as I had my lightbulb moment and confessed all and started my DMP. Since then I've been trying to get him to see that we as a couple have to do this journey together, we have 3 children. He says he has written to his creditors and said he will make…
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New User - Please help
Hi guys Hubby and I are stuck at a bit of a crossroads and have had conflicting advice. We currently owe £32,000 as unsecured debt (loan and CCs) and have a £100k mortgage on a house worth approx £118k. £20,000 of our debt is an unsecured loan with Northern Rock as part of our Together mortgage with 23 years left to run.…
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can debt collectors do this?...
i am getting very worried now... my mum is way behind on some of her bills, she works two jobs (sometimes 50 hours per week) but she still has to miss one bill to pay for food and electric etc etc :rolleyes: , this all stemed from when my dad went bankrupt and left her :mad: , he left her in £98,000 of debt, she has now…
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Can't control myself
I have always been bad with money, even as a child and I just seem to be getting worse. I am 26 years old and married with a 17 month old son. When I fell pregnant, I gave up work to be a full time mum; this was both my choice and my husband's. I am very happy with my life - all except for one thing. I can't stop spending…
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What DFW hobbies do you all have ?
Hi All Like most of us on here, I have cut down on going out drastically in order to save a few pounds but I am looking for ideas as to how to spend my spare time now that I have more of it. I do spend an awfully long time here on these forums (like most of us probably :D ) but I spend my work day in front of a computer…
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losing it a bit
look what happens when you don't come on here ! starting to struggle with school holidays etc....... took my eye off the ball and I've got not very much till the end of the month. Anklebiters are costing a fair bit at the moment... Not looking forward to the next few months, lots of birthdays and the run to xmas still…
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BT and Wescot Credit Services
Hiya CAN ANYONE OFFER ME ANY ADVICE? I recieved a bill from BT (which I didn't agree with, but that's another matter) and it has now been passed to Wescot Credit. The original BT bill was for £171.84, but the Wescot bill is for £214.80 - therefore a £42.96 admin charge. Can they charge this much for admin? They said it's…
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Little update from Mrs Ark
Well, we had another valuation on Saturday which was more in line with what we were thinking, and a mortgage man has come tonight. We were quite worried that we wouldn't be able to get a mortgage, as Mr A is self employed and has only been going 8 months, but the mortgage chap is confident that he can get us the amount we…
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Scummy Vodafone
I saw an advert the other day advertising 200mins & 200texts for £12.50 per month. 'Nice one' I thought, being a DFW that £12.50 (+VAT) is damn important to me, so I thought I'd give them a call tonight. Told them that they're offering what I've got to new customers for half the price and if I was eligable for this...…
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What did you spend today, Weds 16th August?
For me it was £42.15 in Morrisons. What about you?
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Out Martin on BBC1
Martin the Marvellous has made it to prime time!! BBC1 just now gate crashing a hen party & advising on selling old mobiles!! Now Martin if you're reading, how DFW is being filmed at the St Davids Hotel & Spa eh!! Cant get us a free day can you?!! Its only a mile or two away from my house...happy for DFW's to doss…
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What would you do? Opinions needed
Hi all I am a bit of a lurker and am steadily (but slowly) getting there using all the tips and inspiration from you guys. I'm in a quandry at work. I've been told that there is an offer of a £4K payrise if I agree to work on Saturday mornings (one a month off). I'm a mum of 3 boys and although their dad has them…
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Save Money on School Uniforms
Hey everyone Read about this in the Observer. Don't know if it is any good as don't have kids myself but thought that it may help someone save some money? https://www.uniform2.com - a pre-owned, second-hand uniform market. Cheers Annie Xx
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Mbna
I have agreed a DMP with CCCS and have made my first payment this month. however i have just had a call from MBNA who said that they need an extra £12 this month only to stop the account being referred to an outside agency. FYI, the account is 4mths in arrears and they have offered to refund two months of fees as a…
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Just when you feel like you are making progress....
Something happens to kick you in the teeth! I just thought I was getting straight and ready to put more money and focus into getting rid of my CC (seeing as I have one more payment on my sofas) when I get letter today mortgage gone up by £40 a month GRRRRRRR rant over!
