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IVA/DMP Meaning and Definition
Hi everyone Bit of a random question but you are all very helpful so thought this is the best place to ask - BG's please move if it's in the wrong place. Anyway, I have a job interview coming up (and I really want the job) and one of the questions they are going to ask revolves around what advice I could give to people…
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Claiming RBS bank charges
Hello, Can anyone direct me to a thread about claiming bank charges from the Royal Bank of Scotland, I'm sure there must be one but blowed if I can find it !! :o Also can anyone tell me if I my bank will react adversley to this, as my loan is with them can they make things difficult with regards to interest rates etc...…
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How do you all cope???
Every minute of every day, i am constantly doodling figures on scraps of paper, of how much i owe, how much i pay, how long it will take for the debt to go, how i can get rid of it quicker, what schemes and plans i can come up with to shift it all around. am i insane or does everyone do this?
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Stay out of supermarket challenge
I'm trying so hard to use what I've already got and only eat fresh fruit and veg from the market. I've just realised that it's been about a month since I've been in a supermarket! (i was on hols for a week though, so perhaps that doesn't count!) I'm sure I'm not the only one who goes into {insert name of supermarket} for…
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cashing in on my material things???
I am roughly 10k in debt......however I do have material things which I could sell to clear my debts....but am in two minds as the material things I have are the only things I enjoy.......would you get rid or keep??? for example my car is worth 5k.....I have stacks of dvds.....x box360.....plasma tv.....would any of you…
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advice on debt
ok quick run down on my situation £126k mortgage on 2 year fixed rate - 1 year to go £22K on various low rate life of balance credit cards I am looking for some ideas to raise some cash short term to see us through to the new year whilst I start a new job - in November. Need about £8k I have applied a couple of times…
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A way of upping your credit rating?
Can anyone tell me if this is true? A former boss of mine, who is apparently a self made millionaire, (I used to drive his limos) told me the following way of getting a better credit limit. 1) Take out a loan of minimum amoutn, say 250 quid or so. Sign all the forms. Cash in the cheque, then pay it off (cancel it) within…
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Help!
Hi there, I am hoping someone can offer me some advice. I have been with the Halifax for 4 years now with a card cash account which provides a visa electron card and that's pretty much it. I want to upgrade my account as I am fed up of shops not accepting it and want to feel like a grown up but I have tried and they wont…
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Using Pre-paid envelopes sent by credit card companies/banks
Hi all, I read somewhere that you can use the pre-printed and pre-paid envelopes sent to you by banks etc. to send to wherever you want by sticking a label over the address printed on already. Is this true? Are there any problems with doing this? Anyone else do this already? DDDK :money:
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I need someone who is good with sums.
Hi everyone. As I posted a few days ago, I reduced my debt from £2400 to £1500 and then to £1200 yesterday. Now that MAY have been a bit of an error on my part because with Barclays, with additions, as I have, the interest rate is 0.2% upto £1500 and 2% for anything over. Now the question is. I have been doing some debt…
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Just a thought...
for people who are looking for work. I just got a card through the door and the ROYAL MAIL are now recruiting for christmas. Their number is 0870-2431909. Or to apply online https://www.royalmail.com/xmasjobs I think they pay really well and they also offer shifts so it could be a wee extra earner for those of us in jobs…
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60k debt - anyone else with one? - Got a new job!! :D
Hi there, I have been doing a lot of fiddling with figures etc, and reckon that with some very careful spending, we could be reduce our dfd from May 2011, to Oct 2009 :O :O :O However, it's going to be a very long hard slog. I've got my debt diary to try and keep me motivated, but wondered if anyone else is in the same…
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Welcome Csarina
Saw your first post in the how much are you spending And just thought Id send you a welcome to DFW :wave:
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Bailiffs up to the same old tricks !
No real suprises from our friends at Drakes & CCS Enforcement Services here, but worth a read any way… http://news.bbc.co.uk/1/hi/magazine/5377488.stm
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How much have/will you spend today Tue 26/9?
Good morning fellow DFWs :wave: Another sunny day down here which is great as it helps with the mood! :D Hoping for a low day today. Lunch is sorted but have slimming group tonight and I will be spending a few pounds (losing some would be good too ;) :rotfl:) as I am addicted to the bars of chocolate they have there! It…
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has ANYBODY ever gone to court? (re: bank charges)
I've been given a date for a preliminary hearing at the county court... has anybody ever been to one of these ? I'm claiming almost £1500 back in unfair charges from Barclays. I'm not entirely sure if this is the real thing - it says it will only last 15 minutes, so I have a feeling they will book a 'proper' date sometime…
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The 2k in 2 months challenge
Heres the score. I take home roughly 2k per month (though I work about 60 hours per week, roughly 42 in the office, another 18 from home). I'm hoping to pay off £2000 in 2 months. If I put my mind to it I think I can do it. Anyone mind if I make this some kind of diary to spur me on? I'm hoping to use quidco money and…
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feel like im on a downward spiral
Hi bit of newbie here Heres the scoop. Moved back to my home town 3 months ago with my fiance as I was home sick. The town is very small and I cant get a job. My money has run out and my fiance is having to pay my rent, bills etc. I now owe him over £1500. This amount it growing every month. I am trying so hard to get a…
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what should i do ,thousands of debt in falsh names
please don,t shout at me as i feel so worried..about 4 years ago i had a nervous breakdown and after i started feeling better but still bad i opened up lots of catalogues in my name and then false names,,a lot of things i bought was given to other people as presants,i even got a argos card and a few thousand pounds of…
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Debt advice... please!! about £20,000 in debt, phone calls all the time, terrified...
I would be so grateful for any advice anyone can offer me. I owe about £20,000 ... credit card debts/loands mostly (unsecured, Ii live in a rented flat): £800 on a capital one credit card (2.2% a month) about £3,200 on a Sainsburys credit card - interest frozen about £3,500 on a Halifax credit card - interest frozen about…
