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PPI cancellation
I've a question regarding PPI on loans and credit cards. If my loan and credit cards are all in my sole name, on my death, would anyone else have to pay my debts? Also if I was unable to work, would they only chase me for this or would they try and take money from my Husband? We have no joint accounts or mortgage at all.…
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Quick reminder..do I include my mortgage as a debt?
Hi all Just getting round to sorting another SOA for you all to tear into. Could you please just remind me if my mortgage is considered a debt ..or is it just the 'other bits' I need to list? Out of interest if I dont need to include my mortgage,how is a mortgage viewed as on this forum-a must have?? Cheers Terry
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Couples and individual finances.
One thing I've noticed on this board is how many long term couples and married people keep their finances completely seperate with one person being absolutely up to their eyeballs in debt and suffering much torment whilst the other has more than enough money. Usually the accrued debts are from the person in trouble trying…
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Saraya's Debt Diary
Just thought some of you might be interested in reading Saraya's debt diary from the bbc news website http://news.bbc.co.uk/1/hi/business/4997170.stm This is the start of it but it goes up to diary entry 13 at present. Her husband owns a restaurant and they have a buy to let flat to sell but they are battling debt and it…
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Martin's on BBC Radio London this morning
Apologies if this is not the right board for this, but Martin will be on BBC Radio London (94.9 FM) this morning in the next hour or so. Nicola
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The 'Happy Friday' Dance!
I rang up Egg at 8.20am this morning (and got straight through more's the miracle, without even one ringing dial) and closed my Egg Card. I was just waiting to pay it off from a balance transfer from another card. So it is gone! Hurrah! And getting a semi-free night out tonight from work, for 'team-building' (so…
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starting over
lately ive been aware that some things really have to change in my life. my focus is on my future now and my first goal to be debt free. certain influences in my life have a negative impact on my ability to focus on the things that i really want. i have made a list of my longterm goals and the things i have to do to reach…
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Make-up artist?
Hi, not sure if in the right board but... I'm trying to think of new ways to earn some extra cash and as I have just finished being the manager of Lush and B Never Too Busy To Be Beautiful (Lush's new sister company doing fragrance/make-up at head office) I'm thinking about maybe doing some freelance make-up artistry. I…
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8.23AM - I've made it!!
At 8.23am this morning I rang the 0870 number (no alternative on saynoto0870.com site) of the last company I owed money (on 0% deal, of course!) and paid off the entire balance. I'm now officially debt free!!!!!!:beer: :beer: :j :j :j :beer: There are no loans, no HP, no credit card balances, no overdraft and no £100 here…
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Oh no.
We had a premier privelege account with the co op. Then things went down hill financially. Anyhoo, this privelege premier account gave us a 'free' £260 overdraft. I thought I had cancelled all Direct Debits (I am sure I did) but was too late for one which I didn't notice and couldn't afford to pay back, this took us over…
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Soooooooo many people, soooooooo much debt
Headline news yet again the amount of people in debt and by how much. Topped off with an interest rate hike is just the icing on the cake :mad: Thanks to this board and you I've been sticking to my budget and am able to pay an increase in mortgage rate but I feel for those who have yet to have their LBM or find this site...
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SOA - feels like an SOS!!
Hello, Basically I need some advice regarding my finances, I have never had a loan before but I have debt as a result of running my own business for three years. The debt is in the following forms: Business o/draft £11,000 approx 9.5% (allow £15,000 which I expect to have to repay by Oct 06, they may offer me a loan but…
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What is QUIDCO?
Hi All! Im new to the board (Joined today!) ive been reading some of the threads and i keep seeing this QUIDCO mentioned, what is it and how does it work? Cheers! 1st TS
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Dealt a bad blow and now my family suffer
Hello, I am a 38 year old father of one who has recently realised just my money situation is out of control. I apologise for the dramatic title but I believe in being honest! Before I outline my debts, may I firstly explain how I managed to get myself into this predicament. Ten years ago, rather than file for bankrupsy, I…
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OH has finally woken up and smelt the coffee!
Sat down with OH today to go through my (almost complete) SOA. It came as a little bit of a shock to him as it is pretty scary :eek: .... though I have never hidden from him the state of my finances, in fact I have spelled it out on more than one occasion, but hey ho! I think the fact that I had it all written down -…
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Hi - I'm new today!
Hi A mate told me about this website - it's amazing. I logged on about 2 and a half hours ago for a quick look and would you believe I've missed Big Brother and now Sugar Rush is on but I can't tear myself away. In a nice way it's good to know I'm not alone! Must figure out how much I owe and keep an eye on it. Also,…
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Thanks Barclaycard?!
I had a few credit cards lying around, which I no longer use and have clear balances, so I decided to cancel them for the sake of security and to get rid of some paperwork. When I told Barclaycard I wanted to close my account they referred me to Customer Loyalty. Who promptly offered to take my balance of £4850 from…
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Hello - I am still here!!
Hi everyone - just popped on to say im still here - Close Relative passed away last week and obviously this has taken over our lives - however will be back on soon - promise. dotty xx
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just saying hello...
I haven't been around for ages and thought i would just pop in and say a quick hello work is hectic and we're getting close to our grand opening soon! so i'm all a bundle of nerves as well. i've been a good money saver, taking in packed lunches and packing in the drinking. i even drag myself in on tired days (like today)…
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Hi new to board
Hi, Ive been lurking around for a while and have finally decided to post my soa. Here goes, This is the revised budget and not what we have been spending otherwise we wouldnt be over £3000 in debt, but I suppose that is pretty obvious MORTGAGE £273.71 ELECTRIC £50 FLAT MAINTAINANCE AND REPAIRS £120 GARAGE RENT £40 CAR…
