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Credit reports - PROBLEMS WITH CONFIRMING IDENTITY - HELP!!
Any advice would be gratefully recieved? Ive applied for my credit reports via the post from Equifax, Experian and Call Credit. I couldnt do it online as i have lived at 5 addressess in the last 6 years (due to relationship break ups and short rental leases on properties!) andI suspect this is why they cannot authorise me…
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Sainsburys closing
Hello I am sure this is totally the wrong place to put this, but as the DFW board is my spiritual home :A I would like to share the info here. Sainsburys at Marsh Mills, Plymouth, are closing for 1 week from 6pm tomorrow and are currently reducing a lot of fruit, veg, meat and veg. I have just bought loads but there is…
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For Grass Roots mystery shoppers
Help, I have completed my 1st assignment (a bank) but so far it has tacken 40 minutes to imput my report, the pages take on average 5 mins to load :mad: is this normal or am I having bad luck? At this rate it will take longer than the visit!
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Lightbulb moment but what debt to concentrate paying off?
Hello and good afternoon everyone :smiley: I have just found this excellent site after having it recommended to me by a friend and I've found the debt free wannabe thread to be very inspirational. I am finally resolved to getting myself out of the mess my spending habits have got me into so I wondered if anyone would be so…
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I've faced it... and I feel SOOOO much better!!!
Hi all, I posted here for the first time last week because I was considering a debt management plan - Payplan have now gone thru my financial crisis with me this morning, and I've agreen a payment plan with them... I now feel like bouncing thru the streets and shouting from the rooftops!!! She warned me that this would…
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Moving overseas with an IVA
:confused: We are in first year of our IVA and have opportunity to move overseas. Can we renegotiate our monthly amount to take into account the new currency? Otherwise we'll be paying more than twice the agreed amount which could prove difficult. Does anyone know what to do here? Any comments or advice is most welcome.
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CC Rates, better layout.
Credit Card Rates and Time taken to Payoff £1000* Monthly% APR% Time 1 12.68 22y 6m 1.1 14.03 23y 9m 1.2 15.38 25y 1m 1.3 16.76 26y 7m 1.4 18.15 28y 3m 1.5 19.56 30y 2m 1.6 20.98 32y 4m 1.7 22.42 34y 10m 1.8 23.87 37y 9m 1.9 25.34 41y 2m 2 26.82 45y 4m 2.1 28.32 50y 4m 2.2 29.84 56y 8m 2.3 31.37 64y 9m 2.4 32.92 75y 7m 2.5…
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So worried I feel sick - Updated with SOA
Do Debt Collectors pretend to be solicitors? I only ask as I have had a letter from a solicitor called D&G solicitors based in Birmingham saying they will begin County Court proceeding if I don't pay them within 7 days. Would they really instruct a solicitor? I only ask as the letter doesn't look professional enough. I am…
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Tesco clubcard vouchers and debts
I have £500 clubcard vouchers worth over £2000 in deals and £8000+ in debts. I want to use these vouchers to help clear my debts as the other alternative is a family holiday , but the debts seem more important. I could sell the vouchers straight on ebay or buy something eg a TAg Heure watch from Goldsmiths and sell that.…
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breadmaker search
I've been trying to find the thread that had the codes for LX direct to order a breadmaker, costing about £14. This will be perfect for my mum's Christmas present. Can any one help me out here ? Thank you.
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So, here I begin!
Hello there! A little about me - i'm an IT Administrator in South Wales. I live with my girlfriend in rented accomodation (I've only moved out of home in June) and i've found that i'm struggling with money as all the money I earn I seem to be spending on bills etc. This month for example £550 Rent £301 Car Insurance (this…
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Basic account with chequebook?
Hi I am setting up a DMP (*sigh*) and need to set up a basic account as my current account (Co-op) is linked to one of my debts (Smile overdraft). I have debts with the following: Smile Nationwide Barclaycard HSBC John Lewis Partnership Card (which I *think* is HSBC) Egg Littlewoods catalogue Empire catalogue Are there any…
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How much have/will you spend today Tuesday 21/11?
Good morning lovely DFWs :) Hope we are all feeling strong and motivated this Tuesday morning! It is one day closer to the weekend if nothing else ;) I am planning a non spender unless I meet a girlfriend for coffee after work. We have discussed it but nothing is fixed yet. I will return and confirm this evening. Have a…
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Lou's Debt Diary - needing MAJOR help!!!
Hi everyone.... Okay, so i havent been so good recently!! I had my light bulb moment in the beginning of September, i had no idea how much i owed and was refused credit to get a loan to cover my 2 credit cards which were up to the maximum limit! :eek: (it turned out i owed nearly £18800!!!!!!!!!!!):eek: :eek: Im now down…
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Cashin in isa to get out of dept!
Hi every one i'm new here. I've been reading this sight for months now. I'm in dept :o working all hours to pay it off not getting anywere. So we've decided to cash in our isa today my wifes idea. We think its better than taking out a loan to consolidate. It will pay off whats left on our loan to sainsburys. Some left for…
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Do I owe this? (Long)
Ok apologies in advance as this is long & may be confusing! To cut a long story short, my ex b-f & I were renting a semi from a private landlady which we moved into after we split up as housemates (Seperate bedrooms etc). In time he decided he wanted to move out as he had a new g-f & wanted time living alone before moving…
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Well....I may be broke but.....
The Battle has started. After my light bulb moment I started on my first mission this month of not spending a mad amount of money on nothing. I have so far achieved this and watched all of the friends episodes that my GF has on DVD up to series 8. It passes the time and is free, as she owns them already. Bonus!! I am not…
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Something to think about whilst becoming debt-free
Money can buy a house, but not a home Money can buy a bed, but not sleep Money can buy a clock, but not time Money can buy a book, but not knowledge Money can buy food, but not an appetite Money can buy position, but not respect Money can buy blood, but not life Money can buy medicine, but not health Money can buy sex, but…
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Compassionate Leave - advice?
Hello, Is there a general rule as how long you can have off paid if a relative dies? I lost my Grandad today and left work as soon as I heard the news. The problem is that my mom has just had an operation so I will need to make the funeral arrangements etc. I work for a big company and have been there for 2.5 years. Thanks…
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Help re catalogue debt
Hi I am looking for some advice on behalf of my gran, my grandfather died a couple of months ago and as such her income has been reduced to £130 per week she has a catalogue debt of £1400 approx and has been given a number by someone which she said if she calls they will stop the interest on the account, obviously this…
