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Refinancing a Secured Loan???
A friend has a loan secured against his home that he's struggling to repay. I have suggested that he refinance the loan by finding a new one on better terms and using it to pay off the old, more burdensome debt. Is this a common practice or do the costs of refinancing a secured loan out-weigh the benefits? Also, what is…
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funny idea to become debt free lol
Well , just had this idea on how we could all become debt free. Doubt it would work though. If every member on this site (its in excess of 100000 members) donated me £0.35p I could pay off all my debt. Then the next person gets out of debt the same way untill all us DFW are free lol. Even if it cost me £500 in donations to…
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Just paid off a debt
:T ok its only a small one, but :D It was with Moorcroft, an old mobile contract, which was £130, I phoned them this morning & said I wanted to pay off my debt with them, if I did it there & then on my switch card what would they accept to clear it, they said £63, yey! I know its one of our smaller debts, but its one less…
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Is a DMP the right thing for me?
Hello all. Over the last few weeks I have been reading many threads and been trying to pluck up the courage to post one of my own. Am married with 2 girls, 7 & 4. We have unsecured debts of £54500- OH thinks they about £20k. I 'look after' all the money. He freely admits he wouldn't know where to start & doesn't understand…
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Credit card debt problems - need help & advice!!!
Dear all, I posted this message on credit card board and I have been asked to post it here for more advice. so here I'm. I have huge credit card debt problems and I'm losing sleep because of it. I need some advice. I never miss a minimum payment though. All minimum payments paid via direct debit. I have following credit…
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My Credit Cards...What shall I do?
Good Morning everyone, hope you all had a nice bank holiday! Want your opinions on this: I currently have two credit cards, one has no balance and the other I am in the process of paying off, this should be clear by the end of October. I have cut both of the cards up. My question is, when I've paid the last one off should…
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Gas and electric increases
Just got our quarterly staements through and Britisg Gas are increasing our monthly direct debits by a third each month - now gas will be £44 and electric £45.00 Now we acknowledge we are in debit with electric but the gas is in credit by £50! how can I dispute this?
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Anyone fancy a head to head challenge of approx£1000
I have four smaller debts that total approx £930 that I want to clear before christmas, its not going to be easy, but its something I really want to do & am going to throw every spare penny at them to get rid! Anyone fancy a challenge?
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Proceedures
My son and his wife have got thenselves into problems with money and currently have a debt of around £30K inclusive of everything, car, loans, Cards etc. They have a property which they have a mortage on and do not want to loose. My question is which way to go in order that they do not loose the roof over their…
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I love my dad!!!
Well some of you might know that my dad offered to pay my debt off for me a little while ago and I said thanks dad but it's my mess and I need to sort it out... Well... This month car need MOT, new exhaust and a few minor bits - add to that a new carpet (well laminate floor) that we in fairness only have to pay £250ish…
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Beware of being monthly paid!
Beware of the red tape some companies hand out these days. Being paid early in the month is all well and good until A: Its gone in a matter of days (youngsters who like their clubbing) B:When you leave they demand overpayments back... This has happened to me twice this year, my misfortune is that company A (Hbos) has took…
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At last- A little good news
I have been temping at my current job now for two years (3 month contracts) on very poor pay (only earned 7k last year for 37hr weeks)...I have just been told that from 1st of October I will be a permanent member of staff!!!. At last we can look to paying lump figures off our debts which will be our first priority. We…
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Happy Birthday ali007!!
Have a great day!!! :bdaycake:
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Save or Pay Off Debts?
we are slowly on our way to getting in control of our finances everything is on instalments ect.. we are left with about £700per month + and at first had decided to pay off a debt each month... however in 3 months time we wont have this surplus income to use, so should we continue to repay monthly instalments and save…
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Barclays Bank are sooooooo annoying!!!!!!
Hi, I want to have a rant about Barclays Bank! I am so angry with them! :mad: Basically, last year in November I realised I should sort out my debts. I have a £3,000 student overdraft with Barclays and decided it was time I paid it off. I decided to open a very basic account with the cooperative bank so I didn't have to…
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Just a rant about the Cahoot flexible loan!
Sorry just had to rant about this really.... Just received an email that owing to the base rate rise my cahoot flexible loan is going up to 9.1% APR. This comes just a few weeks after they increased it (just for the hell of it) to 8.9%. How do card/loan providers get away with this? Is it just me but I don't recall them…
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Clearing Large Debts
Over the last 4 years, we have built up debts with 17 creditors in excess of £30K. This has been, in the main, due to me having some major health problems that have limited my working capacity. We are self employed and currently making a loss and surviving on tax credits, child benefit and housing benefit. The CAB have…
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Medical Research?
Would anyone ever do or go to a medical research company and do a trial to make a few extra quid? I'm well skint i'm thinking of selling my kidney!...........Only joking of course
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Will there be a September Ebay Challenge?
Hello I am new so am a bit embarrassed to ask but, will there be an Ebay challenge for September? I read the thread on the August one and it seems most people did really well :T I have quite a bit of stuff to shift... Is anyone interested? Paying it all back :A
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Ideas for extra money making anyone?
Hello everyone, Has anyone got any good ideas on how to make extra money? I think I have now exhusted eBay and sold everything I possibly can! I work full time during the week so really I am looking for evening and weekend work. Unfortunily I don't have a car so I am looking for things I can do from home or locally in my…
