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Standard Life 50 Day Notice Account
Hi All! I opened an account with Standard Life last year and ive kinda just left the money to accumulate (occasionally upping the amount i put in it, currently at £75 per month). Im not sure whether or not this is the right account for me, this site can be very thought provoking! Ive also started an ISA with First Direct,…
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Saving money on the standby switch - any ideas?
Can I run a DFM stylee question past you wonderful people? I moved into a shared house about 4 months ago with two other people. I now pay a third of the electricity bill, which I'm happy to do. The problem is that the other two earn a lot more than me, so think I am being unreasonable in asking them to turn the TV off…
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My situation-Advice wanted
Hi, I have read this forum recently. I faced up to my growing debt two months a go. The story goes back 10 years. In 1995 after 2-years marriage my wife had our first child. Our daughter had some bad leaning and motivational skills problems and with no family to support us within 100 miles my wife gave up work. We lost…
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What is tempting you to be naughty today?
Two things: 1. Orson CD 2. Dove new green tea range Darn adverts.
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**Experian/credit score question**
If the debt is written off under the 6 year rule, does it still have an effect on your credit score? Experian never got back to me when I asked this. I had nearly £8000 written off under this rule and 1 CCJ for £178. I've just seen my online credit report and my score is 355 which is very poor. Is this just the score from…
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**So, Rome wasn't built in a day...**
Loking to get settlement figures for my outstanding debts which are nothing compared to what they could be if the 'lovely' 6 year rule for clearing old debts, didn't exist. My husband is in a similar position so any replies will benefit him too. I owe Mint £537 which is £137 over my agreed limit.This has come from their…
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hello my name is laccal and i am in debt
Hi THIS IS MY FIRST POST, SO HERE GOES………. I HAVE BEEN STRUGGLING WITH FINANCES FOR ABOUT FOUR YEARS NOT WANTING TO ADMIT I HAVE ANY MONEY PROBS. I HAVE A GOOD JOB BUT THE PROBLEM WAS MY WIFE AND I ENJOYED GOOD HOLIDAYS AND A NICE LIFE. UNFORTUNATELY MY WIFE LEFT HER JOB ABOUT FOUR YEARS AGO. I LOOKED AFTER THE FINANCES…
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Am I being cruel?
My hubby took my little girl shopping yesterday - she's 3 years old. It was a treat day, and she had £5 to spend. He took her into the toy shop and let her loose. She inevitably picked up more expensive things, but Daddy explained to her why should couldn't have them. She was happy when she left the shop with a huge bag of…
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FTAO Scottishspendaholic
I've probably missed some posts but it seems like we haven't heard from you in a while hun. Is everything ok?? Mola x
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is it true?? DMP/CCCS help please??!
hi, i've recently contacted the cccs as things have got out of hand since i've had to reduce my hours at work (to look after the kids). At the mo i have just £106 left to pay creditors just over £28K, so it'll take >20 yrs to pay it all off, plus interest. The plan is that once the kids are at school i increase my hours/…
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Passbook Account Club?
Me again! I did post a thread yesterday to see if any of the experienced savers would help to set up a savings challenge. Unfortunately, noone responded so ive decided to start my own challenge! :money: I have opened an old fashioned post office account, complete with passbook, just like my mom had for me when i was…
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Book recommendations?
More sorting out and I have just come across a £10 book token - goodness knows how long I have had it - must be years - but apparently it is still valid! So can anyone recommend any DF/MS books to spend it on? (I have Martin's already of course! :D )
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ccj sent to wrong address
I have a problem that has only just come to light. I had a Dorothy Perkins Store Card which was paid regularly and at the end of 2005 had a debt of approximately £50.00. At the time I moved address and notified GE Capital of my new address. I didn't think any more about my Store Card as I received no mail from them at all…
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At Home Businesses
Hi everyone. I've been reading everyones threads for a while and have taken active steps to sort myself out. Will post SOA soon, but waiting for banks to get back to me with APR's. Basically, I've decided to get myself in a position I want to be I need a 2nd income. I've been looking on Job Sites today and have noticed…
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Previous purchases preLBM - are you (secretly)pleased you have it
Ok I feel a bit guilty putting this on but today I have been working on my dissertation and listening to my iPod and secretly so thankful I have it. I bought it last summer on my credit card :o 6 months before I addressed our debt and I would certainly not have bought it now. So is there anyone else like me with things…
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getting it off my chest
well where to begin, like so many of you out there it started about 16 years ago when i popped into HSBC in my doc martins and baggy jumper to ask for a student overdraft, fast forward a couple of years and i've started work and am having a ball,,all on borrowed cash! Whizz into the noughties and i have a successful…
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Letter about full & final settlement help
Hello all I'm quite new here & posted once about a query on a house that was repossesed. I'm trying to find out what total I can negotiate as a full and final settlement amount on the reposession, as at the moment it just seems never ending & if I could just have an end goal in sight I would know where I stand. Basically…
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To be bankrupt or not to be bankrupt?
I have approx. £30k of debts and have been registered with CCCS for about 3 years. I have experienced further financial difficulties recently and am considering an IVA (tempted buy losing 75% of my debts). Unsure whether to go for it or not. Does anyone have any experiences they would like to share?
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First National/ GE Money unsecured Loan
Hi all, Had one of these awful loans and as we came into some money we decided to pay it all off. Anyway when I rang today they were very keen to offer me a much better rate on the existing loan to lower our repayments. We didn't want this as we could afford to pay it off but I thought it might be a helpful tip if you are…
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Csa
Hi - has anyone out there been in a position where the CSA said "your case has been closed - you do not have to pay" - even sent you a cheque? This happened years ago when my ex refused to give the CSA information and they closed the case. They said I didn't have to pay anymore and that my ex would have to appeal if they…
