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SOA - Gemspan - bleak!!!!
As promised I attach my SOA. Quite dismal reading really. Its self explanatory but any more questions please just ask. I may have forgotten something. SOA November 2006 Income at present: £120 per month dog walking £450 per month Tesco £400 per month Additional Part time job £200 per month selling ebay, car boots etc.,…
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Things are looking better... I think....
Well its not even been a week since joining the forum and I feel like I've really got things moving, and its all thanks to the advice and encourage of all you :j I know I still have a lot to deal with but I'm going in the right direction. Anyway, I have redone SOA after making a few changes: * Frozen company pension – add…
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Any one know the link for
Working our tax and insurance on your wages? I know some one on here put it up a while ago and I need it. Thanks
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credit card overcharges
I've been reading about reclaiming bank charges.... does the same apply to credit cards and if so is the proccess the same... all answers in a brown envelope cheers TonyTony
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credit card overcharges
I've been reading about reclccaiming bank charges.... does the same apply to credit cards and if so is the proccess the same... all answers in a brown envelope cheers TonyTony
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good advice needed
For a start...Hi I have just joined and no doubt you have heard it all before. Any way Hi all. I am having trouble with a certain store card company. I suppose I should say that I have been to the CAB and arrangments with other companies I owe are being really good. But this perticulair Scottish company are be real…
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Piggybanker's diary
Hi everyone I've been lurking for some time, and trying to put into practice some of the ideas I've seen. Some are difficult for me though, as my income is significantly lower than my outgoings, even making only minimum payments. I've no surplus to throw at credit cards, and have not been successful in getting cards to…
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help with my budget please
Hi All, Id like to ask for a bit of help or any suggestions on how to make my budget more helpful/ managable (i know what i mean but i cant think of how to phrase it) ok, heres my situation i work part time (11 hours a week) and my partner recently left his job on medical grounds (his eyesight has become impaired recently)…
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Newbie in need of HHEEEELLLLLLP!!!
Hi there everyone! I've been reading some of the inspirational stories on here! And they have inspired me to take some action and try to do something about my debt!! (very worried and overwhelmed??? Not sure how i start???) I want to do it but just not sure how to tackle?? Any help greatly appreciated!
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Student Loan Company and their agents
Hi there I currently owe student loan comapny for a loan I took out 12 years ago whilst I was in university. Since then, I have been unable to work for 9 years because of ill health - I am currently retraining but there's another story. Anyway, this week I have had a message for me to ring 0121 number - this message was…
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Just been Visited by the Debt Collector!
I didn't want to open the door but I knew he would just keep coming back if i didn't! I kept getting letters and ignoring them, thinking it wouldn't happen but it did and now it has made me really upset. I was suprised at how nice the guy was but it made me realise that I need to start contacting my creditors and working…
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Where do i Start?
I am in £4000 worth of debt through loan catalogues and credit card. Where do is start paying them of? I tried using a financial advisor but found there promised to cut interest etc but i have only been with them a month and found them very unhelpfull they have had my money over 3 weeks and none of my creditors have been…
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I got a pay rise
:T I noticed I've never had an increment in my job, only cost of living rise. I brought this up on Feb 06 and have been chasing ever since. Someone in the office asked for one last month and it's been sorted already so I got on the phone earlier and it's now sorted and will be back dated till April 06 and will all be an…
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Holiday spends
Hellooooooooooooooo, Ive just transfered my holiday savings from ING account to current account (we go Florida in 2 weeks :D ) Ive got to keep £350 in the bank for Dec DD's and Ive got everyones bloody birthday presents and xmas pressis to get this week and also live for the next 2 weeks. Ive put a cheque in the bank for…
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How much will you spend today Thursday 23rd October?
Hi everyone. Missing Moozie. Guess he/she is working hard. Anyway thought I'd list today expenses: washing £4.00 Food out tonight - hopefully nothing and boyfriend will treat me but otherwise less than £7. And also ended up spending £9 last night on pizza (eek - it was an emergency though) That should be it though. Off…
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Desperate Debtblue 38k please help!!
hello everyone I m 28 years old and in £38k of debt. I have made many mistakes, but I had to borrow while studying as I had no support. We can't even afford to have kids and start a family. Every financial decision I take ends up as a disaster. Please help: Companies Amount Borrowed Min Pay Amount Outstanding Rate HSBC…
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New Look Store Card
I paid off my New Look store card last month, yay me! Unfortunately being a silly sausage I overpaid by £30 so now instead of £50 spending limit I have £80 and I don't want to spend on the card anymore so could I be cheeky and write to New Look asking for the £30 to be returned to me by cheque? Any advice will be…
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Are Payplan Cccs Etc A Good IDea Or Do You Go It Alone
Having Read Some Peoples Problems On Here I Do Wonder If It Is Best To Go It Alone When You Find Your Self In A Spot Of Bother , I Went It Alone And Dealt With Creditors, Dca, Etc And Found I Did Clear My Debts Quicker Etc. When My Advise Although Helpful In Many Ways From The Cccs Was To Apply To Go BankruptI DECIDED IT…
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Amex Gold Card advice please
I am on a self administered DMP following advice from CCCS. All my debts are now sorted to the extent that reduced payments have been agreed and interest and charges have been frozen. I delayed contacting Amex as I had been using the card over the summer and wanted to wait a few months to clear my summer spending. I have…
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catalogue debt
Hi, finally heard from my catalogue - owe about £1100 (still paying for last xmas). They won't accept pro rata and have said they will extend the debt for 3 years, add interest for the privilege at a cost of £69 per month. Have told them no as it won't be fair to other creditors - dca will contact me and "have a nice…
