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Improving/Impact on credit score
I have recently paid off one loan, have £1500 left on another and my cc to go! How long will these take to show up on my credit file and will it have a positve impact? I am determined to never to be in debt again!:beer: :beer:
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how much salad could you buy for £6.50?????
Made a sandwich for lunch and unfortunately had to eat it as 2nd breakfast. So today I was working in Kensington and when work colleagues went into a trendy cafe for lunch, I thought I'll just get something small.... The "small salad" was a selection of 3 salads, and came on a side plate. It didn't seem to be advertised…
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big help
Big help needed - I don't think Lloyds should have given us our mortgage as we can't afford it and it is well out of our league! Tried to add a loan to the mortgage and even though the house value has increased a lot they said no and that they wouldn't even give us the original amount if we tried now ( system changed they…
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newbie dfw
Just want to say hi to everyone, I've been watching this site for several weeks now and have had my lightbulb moment (not before time methinks!!) what fantastic advice there is to be had, I've already changed a lot of things, I'm especially loving the grocery challenge, never thought I could get so much for so little! I…
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Bank Charges and DMPs
I reckon over the last six years HSBC have charged me 10 gizillion ponds in charges ( well not really if only!!! i reckon it must be near the £1000 mark) my query is can i claim these charges back even though i am about to start a DMP and i have CC and OD debt with HSBC - if i get the charges back i can clear some of the…
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Coming into some money
Looks like we will be inheriting some money soon (should be nearly £3K but for various reasons the actual sum will be under £1k) and was wondering what people would do with it. Becuase of its source I don't want to throw it at the debt mountain even though I know that that would be the sensible course of action....I want…
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Crapquests idea of what we should pay
We did a full SOA, breakdown of debts money available and money owed. Well it came out at £3 per month for Capquest. They ignored this offer so we we sent it again and phoned them. They refused. So we have £3 to offer them. They are offering us payment options of: 1. 12 months at £90 2. Settlement of £810 3. £316 payment…
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Mystery Shopping Thread?
I know this has bound to have been gone over before but I just cant find it so could someone PLEASE PLEASE PLEASE let me know the website of decent mystery shopping firms to register with? Sorry for covering old ground! Thanks:o :o
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Dmp
How much does a DMP with ccsc effect your credit rating, I am really struggling to meet my monthly repayments £725, although I only have two year outstanding on my loan account which is £631 of that amount. Don't want to consolidate again and have cut expenditure back to £200 per month, food, petrol, cat food, day to day…
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Where do i start? what do i pay off first?
hey guys.. plucked up the courage to post and air my dirty debts for all to see! when i tot up the amount i owe its not pleasant to my ears and i'm somewhat of a tidy person who craves everything being on an even balance (e.g no MINUS signs on the bank account!).. i dont particularly want savings at this stage although it…
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Nearly there loan and cards paid off
Hi, 5 years ago I had approx £18k on a loan and cards. The loan was finally paid off last month, I chopped up my cards and used balance tranfers to clear the rest. I stopped buying the usual junk and haven't missed all the stuff I would have bought. This site has saved me a fortune and I have sold a lot of stuff on…
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Can you claim charges on a mortgage?
Not sure if this is allowed? Just remortgaged and have about £600 in charges that were cleared today ... can i reclainm them from Abbey?
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Pre Litigation report?
Could someone please tell me what this means? We have recieved a letter informing us we are due a home visit to carry one out. Yet again our lazy record keeping and debt ridden past is creeping up on us. ''Just when I thought I was out, they pull me back in'' lol
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lazy oh's
There's been a lot of threads lately, about oh's wanting to pay the op debt of. I know my answer to this one no: no: no:. What is your answer and why, if the debts not joint it, dosen't affect you and especially if your not married. Why do people feel it is their duty to pay other peoples debt of.
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Anyone for a chocolate cold turkey challenge?
Okay, would anyone like to join me? I started today, but I'll let you off till tomorrow so you can have that last night of chocolate... The rules are simple NO CHOCOLATE! of any description, not even on a biscuit. Sign up if you're interested and post here every day to let us know your progress....
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I'm nearly there....
Received our endowment compensation this morning, have put £1000 in my ISA, Clearing my Amex as soon as the bill comes, and paid £100 off Natwest.( It's 0% so there's no rush to clear that) It finally feels like I'm almost there, after 2 years of constantly having credit card bills to pay.I know I've still got an overdraft…
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My remortgage has come through
I have taken great pleasure in cancelling my direct debits to my mortgage company and parasitic loan company - named and shamed ... PARAGON
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Merging money
Ooh er, I've just kinda convinced my bf to merge our money together in one account. This is in readiness for having a kid in the next two years and the fact I won't have much income. Don't get me wrong, we work very well together. He's always given me half his income for mortgage and bills which we stick in a joint account…
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To cheer us up.....
Can we start a funny joke thread? I know it's not relevant to making money but it'll sure keep us amused along the way... Ok... I'll start...........please laugh.. A guy enters a pet shop and says to the assistant he'd like to buy a wasp. The assistant says "sorry mate we don't sell wasps in here" The guy looks puzzled and…
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O/T summat to cheer us up
https://www.popnoodles.com/mostfarted Click on the link and turn your speakers on
