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Was all going so well...
Since finding this site I've seen it as a challenge to clear some/all of my debts. I've been doing Bodyshop parties to earn extra money, and everything I've earnt from that has been going in to savings and as soon as I get enough to pay one account off, I do so and start saving for the next one. I've paid Next their £800,…
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Newbies, and taking hyoooooooge big scary step today
Hello, God I'm not sure where to start. My husband and I owe 10s of 1000s to credit card and loan companies, and I wish I could say we'd accumulated it having a fantastic life of luxury! I won't bore you with our life story (well not today anyway) but suffice to say we're had some rough luck in the last five years and have…
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ccj variations order dismissed
hi to all, i am currently in dmp with payplan only into second month, before this was up and running received ccj from one creditor, judge awarded payments to them of more than my total disposable income paid to payplan, filled in variation order including income and expenditure from payplan, stating pro rata payment…
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Credit score help?..looking for a cheaper cc deal
Hi gang I've just checked my credit score and nearly died laughing its 999/1000 :rotfl: Ok I s'pose we have been good this year and not taken out any loans and settled a fair few bits :D My question is..I'm looking to transfer £4.5k debt from morganstanley at (off the top of my head) 21+% to..well basically anywhere thats…
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Debt advice
I was in debt to LloydsTSB, should I say I am still in debt but the debt is managed by a debt recovery agency. I am up to date with regular monthly payments as requested over the last 2 years. The payments started off at £50 per month, after 6 months they went up to £62.50p which I could manage with HOWEVER now they want…
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statement of affairs
Ok, big deep breath, here goes:: INcome: £1400 monthly (partners wages) £110 monthly (child benefit) £76 monthly (family tax credit) Outgoings: Mortgage 221.50 (37,000 over 25 years @ 5.24% 3 year fixed) buildings & contents insurance: £10.58 monthly A&L Personal loan: outstanding £13650.22 @ 6.4% 3 years left (£392.72 per…
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How much have you spent today Monday 13/11?
Good afternoon lovely DFWs :) Well I've looked and no sign of this thread :confused: I am late today as I was hibernating. I think the best way to get rid of this cold is to stay under the duvet with lots of nice hot drinks and DVDs on tap. Sadly my man slave has had to go to work and I've had to fetch my drinks myself…
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Anyone want to be my mystery shopping bubby?
I had an idea as i am sick of daily keeping refreshing the TNS , gapbuster (not too fussed about unless its free petrol on this firm)and the retail eyes site to look for jobs so wondered if some of you that belong to the same firm wanted to buddy up (preferably others that get jobs that have just appeared) . I often manage…
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How does Carol Vorderman sleep at night...
I was speaking with a friend this weekend who I hadn't seen for several years. She works as an insolvency solicitor. We got on the subject of debt and, eventually, consolidation loans. She had nothing good to say about them. When I broached the subject of Carol Vorderman she raised her eyes... "...the trouble is people…
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Diary of lauren_1, kicked debt in the (use any word you feel apropraite)
I thought it might be a good idea to start my own diary, i dont mind if no one reads it but it mainly just for my own motivation. Ok lets start at the begining, a very good place to start......la la la ....i should of been maria:p ok my lightbulb moment was a few weeks before my youngest one was born (5 months) and had…
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Changing braodband providers
I know you prob think this is on the wrong board but tried the telephones one and it seems abit technical for me, and I trust you guys:T I want to change my broadband provider, currently tiscali:mad: who really are taking the p""" . We do use the interent a lot - for one I'm on here a lot:rotfl: but now that I'm doing MS I…
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EBAY 10p LISTING DAY TODAY MONDAY 13th NOVEMBER
Hi everyone, Couldn't see this anywhere so.... 10p LISTING DAY TODAY DDDK
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Help!!!!!!!!!!!!!!!
Hi finally come to term with my debt and want to sort it out but don’t know how, so here goes:- My income £1303 Partners income £666 Benefits £158 Outgoings Northern Rock £287 9 year left owe around £24000 Cahoot £192 2.5 years left owe £5400 Clydesdale £55 4years left owe £1800 Halifax credit card min payment £150 owe…
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Do diary's help
Just want to tap into the brains of those of you who do diary's on these forums... Are they worth doing? Do they help keep you on track? How do you stucture it? if at all? How often do you write in it - do you do it religiously or just when the fancy takes you? Do they help and inspire you as much as they seem to help and…
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Submitted claim 18working days ago still heard nothin?!?!?
Hiya, i submitted my claim to capital one on the 18/10 and have had nothing except the acknowledgement from the court. What do i do now? Thanks xx
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Council deposit question
Hi Guys and Gals We are due to move out in 2 1/2 weeks and we have a problem. The council paid oyr deposit for us £450 when we moved in 16 months ago and we had to and have been payng it back. We still owe £280 and our now paying it back at £15 per week and have 19 weeks to go. When we move will the council take the money…
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Littlewood's admin charges PLEASE SOMEONE REPLY
I have posted a few times about Littlewoods and really need some advice. Basically I had trouble keeping up payments and Littlewoods kept adding administration fees. Last month I worked out I only owed them £39 although they insisted I owed £110. I paid them £50 and wrote saying the payment was in full and final…
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Paid off our 2nd debt!! Christmas challenge looking good :D
Have just paid our second debt and are well on the way to our clear 3 debts by Christmas challenge! :beer: Wooooooo! So long Dell!
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My partner has spent our savings!
Having a bad week. I'm in debt, my partner has none (from NZ and can't get credit yet, thank god!). We pool our money and pay bills etc. He was responsible for saving the 250 in his halifax regular saver every month to pay for our wedding. He told me last night that he hasn't been doing it and has spent it. Not all but…
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How much on Christmas spending?
Morning All I was wondering how much everyone spends on each Christmas present you buy. My brother has told me he wants to spend £60 on a joint pressie for me and my BF. I bought my brother and his girlfriend (who he lives with) a christmas pressie a couple of months ago. It was in the sale for £7.99 (and had cost £35.) My…
