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3 Credit Management
Not entirely sure this is the right area to post this, so apologies in advance if I've got it wrong! I recieved a letter from 3 credit management today relating to an outstanding balance on an old mobile contract. It stated that if I did not pay within 7 days they would refer the matter to a collection agency and lodge…
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NTL/Moorcroft
I'm not sure if I should have posted this on the Internet Access board so BG's please move if necessary :cool: I'm just looking for a bit of advice regarding NTL & Moorcroft. NTL were our broadband provider for just over 12 months, during that time we changed banks from Natwest to A&L, A&L were great and took care of all…
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Arghhh - Need to find the 'saving' spreadsheet
Okay.... I've tried scouring the boards, I've tried searching and advance searching - but I can't find what I'm looking for! Someone on these boards has made a spreadsheet that shows how much you have saved towards different pots - ie holidays, christmas etc - rather than having multiple savings accounts. Yes I do realise…
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advice needed over old debt
Over 5 years ago I got into debt, my ex left me with thousands in council tax debts and I couldnt pay my credit cards with went into default, one company who bought one of the debts is still phoning me nearly six years on and im still not in a position to pay, I have 5 kids and although I am now married my husband doesnt…
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Woke up feeling slightly anxious today
:eek: Im feeling abit anxious today, ive got a phone meeting today with CCCS as me and my partners circumstances have changed and we can now afford to go on a DMP. Ive posted my SOA a while back now and we ended up in this mess when my partner came out of work earlier this year... Well hes now finally found a more secure…
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Woohoo another £1000 bites the dust
just feeling good payed the months bills debts, etc and now im under £14k running out of ideas now for making extra cash apart from overtime, quidco etc was just looking at my SOA its amazing how much spare cash i have now each month considering i used to have problems at one time the only problem is soon i cannot overpay…
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Please could somebody help me
Hi i have just found out that i'm pregnant and that i have more debt than i realised. i have looked through this site (very helpful) and would like some advice on what to do next. i have looked at my old lloyds tsb statements and added up all the charges they have added and realised that if i claim them back then i could…
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Visiting London...no debt to be incurred
Morning all DFWs, I hope you dont mind me posting here, as I am normally just a lurker on this board. I am thinking of taking my hubby to London for his birthday at the start of December. Reason I am thinking about London is that it is a special place for us. I may be able to get the hotel by using our JAL airmiles, but I…
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The Tax Refund Company
Awful! Just got my payslip through for the month (with £100 OT, nice!) and included in the envelope was an advert from "The Tax Refund Company" Basically, they are offering a service to check whether you're owed tax from the revenue for business mileage, professional subscriptions, work uniform, working from home etc etc.…
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How much have/will you spend today Wed 27/9?
Good morning DFWs :hello: Feeling glum like the weather today. Weigh in was OK, lost another pound and I stayed within budget yesterday so I have no reason to feel down at all really but I do. I'll put it down to hormones and carry on... Today will be a spending day as the friend I was going to be meeting last week and…
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Changing Phone Number
Hello Finally getting my debt nightmare sorted . Have opened a Co-Op Cashminder a/c, Payplan are ringing me on Friday, & i have goy a Cashplus mastercard. However, i do not want to be harrassed at home with phonecalls from creditors so i was thinking of changing my home number & going Xdirectory. I am quite willing to deal…
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Double the debt of the rest of Europe!
Well, on the news this morning they were saying how the British have twice the amount of debt as the rest of Europe (excluding mortgages) and the average is £3000 per person (hmm, I'm a bit more than that!) The annoying thing about how the BBC were reporting it on Breakfast News for me was that they spoke to their 'city'…
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EXPERTS NEEDED! Loan and OD - How to pay them off?
Hi, I have a current Barclays Bank account, my account has been credited with more than a thousand pounds a month for more than three years now, and Barclays have always bombarded me with offers and overdrafts. Last year me and my partner got into a bit of debt when buying our first home, namely I have a £850.00 Overdraft.…
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quidco
just thought I'd let people know that my Cahoot savings account has paid up to quidco, I joined in July. Also Catalink 0.40p and pickthem.co.uk 0.10p I noticed these from someone else posting otherwise I'd never have got that 50p! Paid out already since July - £53.51 Validated to be paid this month - £20.50 Still to be…
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Radio 4 this morning - responsible lending...
Anyone listen to the discussion on responsible lending on the Today programme this morning? I'm listening to it now, and getting a bit frustrated because they aren't discussing it with MARTIN :money:, or a DFW. They've got an 'official from a lending company saying how we're all fine, paying back our debt at the highest…
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did i do the right thing in paying for a course
Just paid first half of payment towards towards course (£350). Will have a further 300 in december. This is a course which may help me get better employed and progress further in my field. There is I would say a 80 percent chance of company refunding me in April when i pass. I havent asked them yet, as they do things the…
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Sticky situation...is Bankruptcy the answer
Hi guys Well I am officially in a financial mess, and am guilty of a little " Head Burying" At the start of this year things were'nt looking too bad, I had gotten my debt down to a manageable amount and was paying it off monthly and not feeling it TOO badly , then a family emergency basically facilitated me to spend money…
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SOA template anyone help ?
Anybody got a template i could use ?
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Hi I'm new! (Please help!)
H and I are trying to think of a way around our current money situation (i.e. being skint all the time). Basically H, through a series of unfortunate circumstances, has credit card debts totally around £10,000, which mean crippling repayments of £400ish a month. Crippling on his current salary anyway, and that doesn't look…
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why did it get this bad?
okay guys-bit of a pickle. need to pay off enough of overdraft in next 3 weeks so that our mortgage will defo come out. if we dont reduce overdraft by £400 the mortgage might not come out as the bank have reduced our temporary overdraft by £500 (which happens to be the amount of our mortgage). what a state our finances are…
