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OMG How stupid could I have been ???
OMG no wonder I never seem to have lots of spare cash as I should have !!! Looked at my bank statement yesterday ( first time I think I have actually spent time looking at it) and realised that between 01 - 24 october 2007 I spent £ 576.82 on absolute crap !!!! God knows how much the OH has spent !!! This has been spent…
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credit ratings and multiple bank accounts
I opened a new smile account in september and now want to open a diff bank account ( mainly for housekeeping reasons) at a and l (for the £50 quidco) If I do this will it have a bad effect on my credit ratings? as far as I know mine is Ok and I am not intendinng to apply for credit in the next 6 months anyway so dont know…
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how do I cash this cheque?
I am desperate to start my dmp this month but am waiting for my new bank account details. my salary gets paid into my Lloyds account but of course then they keep most of it to pay off my loan and cc. Work needs 2 weeks notice to change my salary to a different bank account so I have asked them for a cheque this month ( we…
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good and bad credit rating?
hi, if a person defaults or misses a few payments on some of his or her debts but pays the rest off every month without any problem then what would the chances of getting further credit be? for example, i am paying my mobile contract bill on time for the past 3 years and have a current and credit card with hsbc all paid…
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Know nothing about this "Apparent Debt"
PLease could someone give me some advice. Back in 2000 I had a littlewoods catalogue and ordered nothing apart from a few clothes and paid it off. I got the catalogue because I wanted to start off some credit history. Anyway in the October 2000 I seperated from my Partner and sold the house. Now fast forward 6 years, me…
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DMP with CCCS
How long does it normally take, filled in everything online and had submitted it all, now just waiting for the paperwork to be posted thanks
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Where is the thread?
First time post - feel sick and a loser. Any idea where this thread has gone again? Don't tell me it's been pulled again surely?
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Burtons Card - Keep or Dump?
Hi Guys, I have a Burtons store card which I have had for about 7 years. I only took it out when buying a suit so I could save 20%. I very rarely spend on it and if I do, I always pay it off immediately (Never paid any interest on it). My question is this: As I so rarely use it, is there any point to me keeping it? I used…
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Debt, Marriage and Life
Hello all!! Im new on here, but I've been browsing aroud the sit for a few weeks now. I was just wondering if you could help me out with any tips/suggestions? Im £2772 in debt, I'm getting married on August 16th 2008 and Im only earning £100 per week. The figures below seem quite small because me and my fiance halve all…
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statement of affairs
Is there a sheet I can print off to help me do my statement of affairs ? Affraid of missing out something, thanks x
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Thanks to all who have listened to my waffle
Ok so im not that regular at posting but just want to say thanks to anyone who has helped me on this site and spose Martin aswell lol. In may of this year i thought there was no way out, i was in a job i hated and getting bullied, had a draw full of DCA letters i wouldnt read and was so miserable at times i thought i would…
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pay C/C Bill with pension??
Hi everyone, Used this site for a while looking at the tips but thought it was time i joined up, and also needed a piece of advice. Sorry for brief introduction. I currently have a C/C with the bank of scotland with £2042 outstanding with 0% interest till may 07! I am wondering if it is worth me stop paying into my pension…
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income less than outgoings!
Fair enough its xmas but i have no money! i have so much to do this next mth and my wages arent enough to cover it! I need to with £672.41 cover: £100 overdraft- automatically reduces as i change my money to my current account £90 car loan £35 phonebill £60 i owe my sis £80 i owe my mum for house keeping £150 my bf wants a…
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Ebay dilema
Bidding on a punto at the moment and it has 5 hours to go. I am winning at the moment with a £410 pound bid, it got relisted and the seller e-mailed me to say he had just MOT it untill nov 07 So i bidded again for it. but he has just e-mailed me to say the tax runs out today and not the end of demember like he has…
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Advice on a DMP...
Hiya, i have recently spoken to CCCS who have recommended a dmp for myself but as i done it all online i didnt really understand it. Now i know i pay them a fixed amount every month and they pay it to my creditors, but does that mean i am defaulting if the payment they receive is less than normal. I know i could pay the…
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How much have/will you spend today Thursday 30th November?
I couldn't see this anywhere so sorry if this is a duplication. Good morning everyone, so how much have/will you spend today? I'm buying some hair straighteners from my Clothes and Treats budget. My sister-in-law works in a salon and has bought them for me with 20% off. So that's £32.00. Have a sandwich with me so no…
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transfer of equity and debt liability in the future
Hi Everyone, I think this site is really, really good. Would appreciate any help or info with this scenario. My wife and I are thinking of doing a "transfer of equity" with the our house, and both of us are currenty responsible for paying the current mortgage and both our names are on the title deeds. By the way, this is…
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Happy payday everyone!
:beer: :j :T Sorry, just celebrating as DH got paid £70 more than we were expecting this month! Very handy just before xmas! Here's to December! Can't believe it's December tomorrow already!!! :eek: Where did 2006 go????? Anyway, Cheers! :beer: :rotfl:
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Pension to pay off debt?
Hello, new to this. After reading the advice on the website, Martin seems to think that paying off debt with savings is a good idea. Can someone help and answer if that also includes pension contributions. I have changed jobs recently and need to transfer the pension to my new company and have noticed that I couls almost…
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Legoman gets his Payplan!
hi there, my Payplan stuff has arrived today! just gotta sign the papers and send them off... however, i bank with barclays and i'm not sure which address i should send it off too? and also capital one i have two cards, business and personal. i have an address for one so should i send them off to the same address? any…
