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Newbie just called CCCS got appointment 5th Sept
AA loan 17965 northern rock 29964 Barclaycard 7356 Cahoot 10855 MBNA 12972 Total 79112 Plus mortgage with One account which has just under 60,000 to be paid by 2021. I am just about on plan with that. I am a long term sick (due to depression and anxiety) ex consultant who is trying to either get back to work with my…
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Interview luck and job advice needed please!
More advice needed again I'm afraid! I have a fab second interview on Wednesday which I won't say too much about in case I jinx it. Fair to say I had a phone call from the regional manager this morning saying that my "audition" was amazing and that they "hope they can give me some good news when they see me Wednesday". All…
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Urgent assistance for friend!
:confused: My friend has been out of work for 5 months after previously being on v good salary £30kplus. When he was made redundant he forgot to cancel the SO going to his other account so each month it was returned unpaid. therefore balance increased above £1k authorised OD and charged were applied. Bank has now passed to…
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Please help 'pick more meat' off our expenses/bills
Hi all, My time has come to submit our monthly costs to everyone to see whether you can 'pick any more meat' off them... I consider myself a good MSER, but having read an article in a magazine this week about one savvy MSER that saved £16,000 in one year, I'm determined to learn from everyone else on here whether we can…
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Reclaiming Charges - How We're Doing
Afternoon, I've recently written (on the 13th July) to the companies about unfair charges. Here's the responses: Halifax; Requested a lot of statements, will get back to me in due course. AMEX; Looking into charges, will get back to me in due course. Capital One; Argh! Refunded only £96 to my account, which has been passed…
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Question about Critical Illness Cover
Hi there. Wonder if anyone knows much about this sort of query.... In 2003, boyfriend & I moved in together and got a joint mortgage. BF was an ex smoker of not quite 6 months at that point so he got 'marked down' when we took out our critical illness/life cover with Legal & General. We pay £43.25 per month for the both of…
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Taking action against Local Council?
Hi Guys, Bit of a question here. I moved to a new area recently where everyone leaves their rubbish bins outside on a Friday morning for the refuse men to empty. Sounds pretty normal yeah? Well, the bin I bought 'wasn't compliant' with local rules, basically we bought a green bin and we should have used a black one…
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2nd Jobs....Please can someone help??
Good Morning Y'all. Got myself a second job. Please can comeone tell me how much I will be taxed on this second income? my new employer seems to think that it's 25% but I cannot find any information on the internet that backs this up or states otherwise....can someone please help me?
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Graduate accounts what have you done?
I just wanted to ask should i move my HSBC so called graduate account. I have a £1500 overdraft on it but because I wasn't in control of it I am getting charged interest £15.00 last month (ouch!). I had to go from Natwest to HSBC many years ago because back in the ol' days Natwest couldn't provided a graduate loan to…
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Radio station appeal for case studies
Hello, I work for the regional radio station Wave 105 which serves Dorset, Hampshire, the Isle of Wight and West Sussex. We are planning a series of features on debt following last week's bankruptcy figures. Are you in debt? Do you have an interesting story to tell that would inspire others stuck in the same situation?…
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Goals for week 7th August 2006
last weeks thread - http://forums.moneysavingexpert.com/showthread.html?t=235709 walk to work atleast once pay £20 off credit card Do not entre ANY supermarkets - [note to self] "YOU DO NOT NEED TO BUY ANYMORE FOOD!" Spending limit of £10 each in casino on Saturday night (birthday meal) loose 2lbs
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how much have u spent today 07/08/2006
Well i was going to go for a no spend day today but i need to buy some bread, deodorant and some sandwich meat so will end up spending a little bit today. How about everyone else?
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Seperation
I have 2 Credit cards with about £3000 of debt altogether. I have just split with my missus and lost my job so cant afford it, what can I do?
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what can i cut back on?
Hi all been on the site for some time managed to do some savings but need to do some more drastic savings now, any helpful advice welcomed please :) income child benefit £116.60 per month DH wages £1946.40 per month this does alter with overtime/shift patterns etc My wages £200 per month approximate depending on hours DH…
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CCJ Help...
Hi I have a CCJ for around £800 dated in March 2002. I did not realise that I had not paid it off (I did actually completely forget, only seeing it on my file reminded me). I do intend to pay this off, but would like to know when the CCJ will drop off my file. Is it 6 years from March 2002, or 6 years after I settle it?…
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decided to get into more debt
not as bad as the topic sounds. but i have finaly decided to buy my house. one of the major reasons is well im allready paying rent and for less than what the rent is i could be buying it. so its still kinda DFW saving money by paying less rent :) it was kinda a hard choice getting more debt. but after all your help with…
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Debt Free at Last!!
Hey everyone! On Friday I made my final payment to the Bank to repay my debt. In August 1997 I borrowed £21,500 to go to college. Here I am, 9 years later and finally debt free. I watched all of my peers start work and have normal grown up lives while I studied. It was not easy not being able to afford to join in with what…
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Does anything ever come down?
Not sure if this needs to be moved, but feel it quite apt for the DFW board as most with debt are struggling to get out of it. I just wanted to start a thread to talk about the prices of things which come down. We all see petrol, gas, electricity, housing, rent, mortgages, council tax, lifes little luxuries like ciggies…
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Making the house saleable the DFW way
We're currently doing up the house ready to put it on the market. Our two bedrooms, plus the landing and stairs have the oldest carpet known to man on them. I'm in the middle of giving them a good shampoo, but they're still raggedy and threadbare. The floorboards underneath are rubbish so not really good enough to strip…
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Is this the best option!! All comments welcome
Hi all, First post to the site, so hope I’m doing it right & putting it in the right place. I'm looking for some advice, these are the circumstances: Outgoings Petrol £365.00 (have already found the cheapest place for fuel) Car Tax/Service/Ins £130.00 (2 cars - essential) Food £280.00 (trying to reduce) Furniture £54.20…
