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Anyone any experience of getting a car on PCP?
Basically I'm in an IVA and can use the £4.2k car allowance (£215 per month after tax) that I will shortly qualify for from my employer to source myself a car. I'm not allowed to get a car on credit or save the £200 due to my IVA which leaves me either HP or PCP. Any ideas? Anyone in a HP or PCP agreement with any…
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Not having credit cards as a safety net
Finding this very difficult..my attitude in the past has been oh well I'll do the shopping on the cards to keep some money in the bank and now I see my bank account getting to under £20 and start panicking that I'll run out.How can I get past this fear?I am sticking to my budget but just have this constant feeling that…
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One Brave leap into Bankruptcy
Hi DFW, Well time has finally arrived for me to finally make that brave decision and file for BR. So, on Monday I am off to court to do just that and just hope that it works out well for my wife and I and our 3 yr old boy. My only wish is that we keep the house and any interest in the house be small enough for some…
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Other 'arf's Support Group.
I've read many threads of OH's on here and think that those of us with OH's who are in debt need some support of our own to try and get us through not only our OH's difficulties but also any additional ways of saving money 'cos of our OH's debt problems. Please feel free to add any comments/suggestions/help.
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Ex Bancrupt Wanting To Rebuild Rating
HI THERE EVERYONE I WENT BANKRUPT LAST YEAR (MAY) WITH THE LOSS OF MY HOUSE AND DEBTS TOTALLING OVER 100,000 :eek: ANY WAY WE WANT TO START OUR LIVES AGAIN NOT WITH CREDIT JUST WITH DIGNITY WE ARE SAVING FOR THE FIRST TIME EVER AND MAKING EVERY EFFORT TO LIVE A NORMAL LIFE FOR OUR KIDS SAKE HOWEVER AT 35 I NEED TO GET ON…
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Cancelling PPI
I've just realised that the DFS sofa we've got (and just started paying for) has got PPI added (we opted in to it last year). Does anyone know if they'll let me take that off now that we've started making payments?
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Sold house, got 38k debt, 115k equity help!
Advice please!:confused: Have sold house after 18 months on market.:j Have 115k equity now. Have 38k on credit cards. Bank have just offered 25k interest only loan b4 we knew sold as we were struggling with monthly repayments-never missed one but were using OD to pay off (crazy I know) want to buy a property to renovate,…
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Saturday Night DFW Paaaaaaaaaaaaaaarty!
Ah well, as no one else has bothered... MinnieSpender cordially invites you to a DFW Paaaaaaaaarty! at her gaff this very evening. Come as you are. RSVP
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Credit search help needed
In my attempt to get back into the black and sort my finances out, I've been doing some credit score research. On one report, Paddy Power and BetFair have done a search and is listed on the report. Was that done for ID purposes, I signed up to them but only as part of Quidco, I'm not a betting man! Will that have an effect…
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All I want for Christmas is to be back in the black!
Hi everybody, first time I've posted on this forum so apologies if something like this has been posted before. Amongst all my other bits of debts, my single largest one has to be my overdraft, currently standing at £3154.59 in the red with a limit of £3850. The interest generally costs me around £25 per month and this has…
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i'm new to this, please be gentle with me!
Hello there, I've been reading the debt free wannabe pages for weeks now but have only just got up the courage to post a message and ask for help myself. :rotfl: I'm another debt free wannabe, i've been struggling with this for so long now on my own and have faced on many an occasion the embarrassment of having my card…
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DCA Query
Just a quick question, if a company passes on your debt to a DCA, do they have to formally advise you in writing that they are going to do this or can they just pass your details on?:confused:
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Just when you think your turning the corner....
Well, wiped off £4,000 of my debt today by selling my car. So hey, reasonable start to the day! Anyway,went over to see the missus, came out and found a parking fine on my car for £80. Yes, £80. :eek: The signs have been up for months (about 5/6 now) but theres never been a warden come round and everybody else parks as…
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Boyfriend's Birthday - Any Ideas?
Hello everyone - I'm looking for your creative ideas here ;) It's my boyfriend's birthday a week today (he's 31) and I haven't got a clue what to get him :rolleyes: - he's one of these men who if he sees something he wants then he just buys it!! I can't really afford to give him any money/vouchers. I know there are a…
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Feeling the pinch: anyone got a minute to scan my SOA?
I've prided myself on avoiding debt since ridding myself of a horrendous HP-type car finance deal earlier this year. Aside from my mortgage and student loan (which comes out with tax anyway) I was virtually debt free - until today! I'd be really grateful for some help or pointers - I realise my situation pales into…
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Son has finally realised he cant keep his car!
My son is 20 and going in to his 3rd year at Uni this month. He passed his driving test 3 years ago and his grandparents, my exs parents, bought him a newish car!!They didnt ask me what I thought i was just told he was getting it! As you can imagine at 17 this was everything---every lads dream to have a nice car bought for…
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Aaaaarrgghhh!!!
Just as I think I'm getting the hang of this I get a statement from Abbey with a minimum payment of £172.99 because the interest rate has gone up!!!I am not at all happy with them.They refused to reduce my payments and to freeze the interest.My previous payment was £124.I offered them £80 a month and they said no. So…
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Telling the OH
Those of you who read my initial post will know that my OH does not have any idea about the size of our debts - he would probaby guess at around the £20k mark - I 'look after' all the money. Mine are £37 his £15k approx. We have never missed any repayments etc but things have now got as tight as they could be. Have made my…
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1st Mystery Shopping Assignment goes pearshaped - will I get paid?
I've done mystery shopping before but only recently (thanks to this site!) signed up for it again. Anyway I had an offer of an assignment - which had to be done today -which I accepted. However when I got there, the shop was closed - and it appears that they don't open on Saturdays. So will I get paid do you reckon?
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Motorway rip-off pricing
I had to drive my daughter back to University yesterday, and I expect many on this forum will be doing the same over the next couple of weeks, so we will all be moaning about the prices, petrol, food, fags etc. that the Motorway Service Stations can get away with, in the interests of Supply and Demand. There is, however a…
