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Stupid Loan 'Advertising' Rant
Just caught the latest one from Picture Loans. I was rabid enough at the last one (the smarmy brain donor on the phone to them while his equally cerebrally challenged wife videos him, who goes on to demonstrate his financial acumen by turning to his wife mid-way through the telephone application and asks her "how much do…
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New Ideas needed please
I hope this is the correct place - my question doesn't seem to fit into any category particularly - please move it if necessary - thanks...... I've been following the Hallet Head-to-head and it has inspired me to get my act together and 'liquidate my assets'. I used to be a Tupperware Rep and then a Body Shop at Home…
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I'm just about to put my favourite teddy bear up for sale....tell me if I should
Hi guys I need some advice. My overdraft has slowly crept up to £2000 and I need to reduce it now. I have sat through the Alvin Hall programmes and some of Martin's but need some inspiration as to what to do next. I am single and live in a Housing Association House 50% share - i.e. pay 50% rent and 50% mortgage. Chose a…
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Jesscats Debt Diary
Errrr, not really sure where to start as not really sure how these forums work, and theres that much information on them its a bit overwhelming for a complete newbie :confused: To give you an overview I realised today that im around £36000 in debt, I knew it was bad but as I can usually pay my minimum payments I havent…
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colleen criticises wannabee wags
Not sure what to think about this myself. http://www.itv.com/news/entertainment_532128835c414b71e95de3d9657d9410.html Sure she has the money and can buy what she wants and in some ways good on her. No, we shouldn't spend money we don't have - but we've all done it. (Else why would we be here) Suppose she's just living her…
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Should we cancel private pension and insurances?
HI everyone Would really appreciate your views on what we do next in our situation - have taken on board all the things we have learned on here and have already vastly improved our situation with the credit card shuffle, OS shopping and cooking and swapping utilities but we still have a problem. Basically hubby earns a…
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Hello all
Hello all. Another newbie has arrived. This site has been so inspiring and made me and my other half feel so much better in ourselves that i had to write this thread to say thanks to you all. There has been so much good advice and support it is un-real. In a society where so many are wrapped up in their own little worlds,…
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Haha! What's this??
So today's saga doesn't end here... I've got home, checked my post and I've had a letter from a DCA, saying that a debt of £15 has been passed to them as I didn't pay for my credit card protection in October 05! I haven't used the card since October 05 when I went overlimit! Halifax know about my situation... what the hell…
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Debtfree romance ideas
Due to our money issues my husband and I have been having a few problems. He rang me this afternoon from work and told me that he had asked his mum to have the kids next month so we could go away for a few days. He said he wants to pamper me to show me how much he loves me. The place he wants to take me costs £500 for 2…
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DMP Payplan and Creditors A little worried I have done the best thing
Hello, I really hope somebody can give me some advice please. I have contacted payplan with regards to a DMP which has now been some 4 weeks ago. They say they have contacted all my creditors with regard to my account but I seem to be gettig phonecalls all the time asking what is going on and what there minimum payment is…
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AIC Harrassment
Hi all. New to the forum and need some help and advice. Last week my elderly Mum, who is stone deaf, received a phone call. The "gentleman" on the other end of the line started asking for lots of information which Mum (lets call her Mrs. Smith) gave him. After a lengthy coversation she asked what the call was in relation…
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Well I'm very glad I signed up to the free trial
of Experian..I found out my ex husband is still linked with me...grrr.have filled in a disassociating thing.Also found out my credit appears to be basically Ok-no late payments,no oustanding loans etc so I'm happy about that.
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Good News.. From capital one!
Hi when I joined this site in Feb, I cancelled all PPi on credit cards and loans etc to save me money (obviously!!). Today capital one wrote to me and said that they had made a mistake in not sending me out the insurance documents when I opened the account and therefore would be refunding me all the PPi I had paid before I…
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OH, Debt and Depression (Long)
I have a problem that began some time ago, when my husband fell ill with depression. He'd had a reasonably well-paid job, which he left for a lower paid one with less responsibility after the first company was bought out and he didn't get on with the new management. While earning the higher wage, he'd taken out two large…
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hello, and mindset help!
Hi there all I'm in a bit of an odd situation with my debt. I live with my partner and we own a flat together (hoping to get married next year). He earns a lot more than me we pay a proportionate amount into a joint account for mortgage, bills and food. This system is fair and it works and with trial and error we normally…
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help me sort my mess please
Hi im new to this board and need some advice please.Ive just totalled up my debts and am completely ashamed and shocked at the amount i owe.I have come to my senses and no more burying my head in the sand,but i need help and advice on how i can start.I have read on the forumn that its best to list my SOA so here we go,this…
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could they do this........?
Hi everyone! I work on a 4 on 3 off shift basis, my shifts run from a wednesday to a saturday as my shift was on our designated day off on the bank holiday [monday] my employers gave us the chance to work our bank holiday today [wednesday], we could eiether put down for overtime or have the day off, I put my name down for…
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Try canceling sky! i just saved££££££
Hi all. After reading some posts on here about sky wont let you cancel they will make you a offer to stay, i was brave and phone up today to cancel sky completly!! I was only on the £21 a month package, and when asked why i wanted to cancel i told them i was only interested in a sports package and there was no way i was…
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Consolidating debts
I want to put my credit card debt and a few other bits together and pay them off .... I was wondering what the best way to do this was. Do the company's that offer this service just rip you off or does anyone know of a good one... Any advise would be great...
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debt free wannabe - needs a planner
Hi i am very new to all this, and i like most people in with world want to be debt free before it totally gets out of controls. I could do with help advise etc. but most importantly i would like a Budget/expense planner, i tried downloading the one on the site which is in excel which i did but couldnt get it use. So any…
