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Just had my first DFW holiday....
and consequently the best, most enjoyable and happiest holiday I have had since leaving home! It was just a 3 night city break, but what made it so enjoyable was that I had saved up all my spending money in advance and made sure I knew exactly how much money I could spend whilst I was away. And I stuck to my budget!…
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My SOA amd My Debt Diary
Hello All, I've lurked on here for a while and posted a bit too...have buried my head in the sand for too long now regarding my debts and had a bit of a kick up the behind a few days ago. Went ot discuss a mortgage with someone and they basically said I have no hope in hell of getting one with the state of my current…
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My SOA etc...
*Sorry just read this back and it sounds like I'm having a mental breakdown - sorry if this isn't the time or the place...* :confused: Basically have a lot of debts and keep going over my two overdrafts every month - the banks are threatening to take away my switch card. Every month is a constant worry to try and meet…
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Morgan Stanley
Hi all My husband is getting hassled from Morgan Stanley. Actually the debt has now been transfered over to a credit company. £1k, owed. We have listed all the incomings and outgoings and said that we can only afford £20.00 A month until our circumstances change next april when wftc will be a bit better. They are…
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Question about MS Money 98 regarding my debts
Does anyone know if you can log your debts in MS Money 98. I found a heading called 'Credit Card Debt' which I am sure that I can manipulate to record all my debts and debt payments but just couldn't work it out. I absolutely love Money 98 so if I could add this to it, it would be a real bonus. Looking forward to your…
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musicandfilm.co.uk-any one else had problems?
We received a bill from music and film.co.uk for £16 for a DVD we supposedly ordered over the internet. We have recently moved house and this bill came in some redirected mail. We had never ordered nor received the DVD so rung up music and film. they maintained that we had ordered it so as a goodwill offer i offered to pay…
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I need help, major debt
Hi, I'm new to MSE and this is my first post, so please forgive me if I'm not posting on the right board etc. We have around £40,000 worth of debt on credit cards and loans, some of it was due to moving house earlier this year. It's all getting a bit too much and we don't know what to do, I keep thinking about…
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So bored.. anyone fancy a natter?
I hate saturdays.. nothing decent on the tv... shops too busy to go to (Even if I was brave enough to trawl the shops being 31 weeks pregnant with a dodgy pelvis and toddler in tow, it's the christmas parade and light switch on in my local town amd it'd be chaos!).. So what's everyone up to today? I'm about to put my…
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Mystery shopper assignments only.(no discussion)
I thought it would be a good idea for a thread devoted to newly listed assignments only(no discussion) . The idea is to post new jobs listed on the various mystery shopping websites as soon as you notice them. DO NOT WRITE ACTUAL NAMES OF NEW ASSIGNMENTS (like BHS etc).Just write "retail stores "or "hotel visits"etc.Also…
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NCO Visit
Hello - anyone else had experience of this? I had a card in the post this morning from NCO (DCA) who said they would be visiting on Tuesday between 9am & 9pm. I am in the process of setting up a DMP with CCCS but because of delays in opening up a new bank account it has taken longer than I hoped so NCO are obviously…
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CCCS budget
Hi I'm awaiting my pack from CCCS. In the meantime, does anyone know what roughly what the amounts are they expect a family of four to spend on food etc? Thanks ITR
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BT Together Option 2 for £11 per month calls included
BT have a special offer which can be taken up until 31/12/06 BT Together Option 2 for £11 per month for 12 months. The contract is for 18 months, the remaining 6 months will be at the usual BT O2 rate of £14.95. Gives you free Evening & Weekend Calls to ALL Uk landlines.
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My good news
Thought i would share my good news with you all, after 9 mths of hard work i have finished my nvq II so i now get an extra 80p and hour i'm so pleased also hopefully starting nvq III after xmas!!!! I really feel like i have acheived something for me. Also oh came home yesterday big grin on his face, he's got a huge payrise…
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ReMortgage Help
Hi all, I need some advice please about remortgaging - with the letter which came yesterday about the rate rise the alarm bells are starting to ring, another £20 a month is something I could do without. I am under a DMP myself - self agreed with my 3 creditiors and Ive got 1 CCJ. Has anyone got any good recommendations for…
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there is light at the end of the tunnell
hi, this is just a buck up to those on here in debt and down there is light at the end of the tunnell i had around 18k debt became bad debt through losing 2 jobs in a row , its a wake up call and it took nearly 4 years to get back on track in that time i was insulted by dca harrassed with phone calls aetc etc etc as the…
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Trading standards?Office of Fair Trading?
Which if any should I be reporting MBNA to please? And with what success. This harrassment is never going to stop is it?:confused: :confused:
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Barclay card
Just to share, have just transfered the money to pay off my barclay card credit card this morning, am so excited, i hate them, swift letter of account closure soon to follow, wohoo!!!
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I don't know what to do with this money
Hi My dad has kindly given me and my husband £1500. He told us we could do "what we wanted with it" its a gift for us now as he would like to see us enjoy it before he dies:( Our common sense says to pay our tv off that we bought earlier this year (on buy now pay later) The payments are due to start in May next year, but I…
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How much have/will you spend today Saturday 18/11?
Good morning lovely DFWs :) Had a pretty early start today :rolleyes: so thought I'd post this before I head back to bed for a couple of hours! Actually the bread is done so will have a cuppa and a slice first! :D Feeling pretty happy with self as paid off credit card earlier in the week and a quick online check shows it's…
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Going public. My SOA
Sorry it's a bit long Background I was made redundant in Feb. and new job is £7000pa less also lost a company car and bonuses. I'm about £10000 a year worse off. Tried to maintain minimum payments for a few months but just ended up with large overdraft. Contacted CCCS in June and did a budget which showed no disposable…
