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advice please
Hello everyone I'm new to all this lark (took me 3 goes just to register) so please forgive me if I get things wrong. Can't sleep for worrying so... thought of you! Did the Martin system for reducing my car insurance but when I looked in detail I only saved money by having an excess I really can't afford (£370) so then I…
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Help for a friend
Friend of mine handed back the keys to his house in 1996.He has some correspondance from the mortgage company asking him for the short fall on the price they sold it for.Another letter arrived yesterday asking for a little short of £25k.They said they would settle on a lesser amount or take monthly installments. My friend…
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Hello and thank you
Hiya! This is my first post so I hope I am doing this right... I've been lurking on the board for a wee while now but I just wanted to post to say that thanks to this board and everyone that posts on it, I am doing something about my debts. I have started a debt management plan with CCCS, opened a basic bank account with…
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My/ our debt in black in white. Advice needed!
Hi everyone I have made a few postings lately but have always been a bit scared of putting down in black and white my SOA. I have had my light bulb moment this month!!! Finally! Does anyone have any advice on how we could reduce our outgoings and maximise our income. I am hoping that there may be some glaringly obvious…
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Need some advice on credit cards
I currently have an Abbey credit card with a balance of £1,350 and a loan with a balance of £9000. I recently applied for a Barclaycard with 12 monts 0% interest and wanted to transfer the Abbey card on to the Barclaycard. However, Barclaycard only gave me a credit limit of £500 which does not even cover half of my Abbey…
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First Post....Feel Ashamed!!
Hello all, hope everyone is ok? I feel bad as my debt is really tiny, about £600. Although its small it affects me hugely as i cannont get credit ANYWHERE. I'm 20 and tried moving out last year, got into trouble paying my bills and had to move back home. So no i owe about £600 to a few companies. I've set up repayment…
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Overtime...
Yeah I know it's an extra step closer to being debt-free but ergh i dunna wanna :(
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OOPS..NOT the way to become debtfree...
I am soo embarassed but thought this would give you lot a giggle at my expense :rolleyes: Have FIL staying this weekend and DS3's birthday so even more hectic than usual so me being clever thought yesterday I'll just do my Tesco's shop quickly,one less thing to do monday then :D Did the shopping from my faves as per usual…
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IVA - tightening up by banks
I just saw this. All the IVA misselling must be having an impact. http://www.thisismoney.co.uk/credit-and-loans/debt-news/article.html?in_article_id=414579&in_page_id=62 I hope the link works Regards X
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Fussy !!!!!!!
Does anyone know how I can save money on my 3 (yes 3!) cats. They like Whiskas/felix pouch food which is just horrendously priced and although I have tried giving them Whiskas canned food they adamantly refuse to eat it. It has become a battle of wills to try to get them to eat anything cheaper and I can see me losing this…
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Mystery Shopping- advice needed-list of companies
Hi I don't know to what exent this has been covered in other threads/ forums but I am looking for advice on mystery shopping. What are the main companies and their contact details? What are the rates of pay? How oftern do you receive an assignment? I am looking for the quickest and easiest way to make more money and put it…
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Is IVA a solution???
We currently have an agreement with payplan & have had it since Dec last year. Someone has told us that an IVA would be a better solution. Do you have to pay for an IVA & if so how much & is it really a good option?:confused: Don't really understand how it works :o
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Avoidance of a Bankruptcy
Lately I have come across a lot of postings in debt forums of either : 1. Going bankrupt and moving overseas, hoping to leave the bankruptcy behind. or 2. Foreigners living in the UK, racking up a whole lot of debt, then moving back to the country that they came from, querying if their creditors can make them bankrupt if…
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New Member Posting
Hiya All Kevster here. What a superb bunch you all are. Im just taking stock of my debt: Lloyds TSB OD 1 - £10,000 Lloyds TSB OD 2 - £5,000 Lloyds TSB CC Wife - £10,000 Lloyds TSB CC Mine - £3400 MBNA CC Mine - £7800 Capital One CC Mine -£1100 John Lewis CC Mine £900 Natiowide Loan Balance - £1800 Black Horse Loan Balance…
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Goals for week commencing 12 November
Good morning moneysavers, I'm slowly beginning to wonder why it's me who starts these weekly topics, as I'm spectacularly crap at sticking to any of my goals through a combination of laziness, habit and general deglect. Anyway, here's last week's thread: http://forums.moneysavingexpert.com/showthread.html?t=297966 --…
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£500.. .What do I do with it?
Okay.. just been landed £500 I wasn't expecting! But what do I do with it? a) All towards Debt b) £100 "treat", £200 Debt and £200 Savings c) £250 Debt, £250 for spending money for my holiday in Feb 07 :mad: I dunno what to do with it without feeling gulity!!! :rolleyes:
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How much have/will you spend today Sun 12/11 & new Sun-Fri challenge!
Good morning lovely DFWs or at least that is what it will be when you read this :rolleyes: I woke up about an hour ago and don't seem to be able to get back to sleep. I think my cold is getting worse and I feel bad for saying that as last week it was my ingrowing toe nail that I was complaining about :cry: I promise I am…
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how long from default notice to CCJ stage?
I've now been sent default notices from my credit card issuers (this week), been making token payments (and proposals) to them based on Payplan advise which they choose to ignore (because it came from me and not Payplan) but they are taking the money each month. So how long will it be before I'm get a country court summons…
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MINT owes ME money
I am £125 in credit with MINT. I asked 2 weeks a go for them to close my account and send me a cheque and so far I've seen nothing. Anyone here with ideas what to do? Perhaps leave it for 3 months and tell them I will report them to a debt collecting agency?
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starting to sort my finances out (finally!)
i think this is the right forum to post on (few to chose from!). anyways, though i'd start posting as have been browsing the forums for a while and started down the road of claiming back bacnk charges after reaind up on it. thought i'd post up where i am currently with my money, my lightbulb moment was in january in this…
