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Can I get out of my £57 a month SKY contract?
Hi all Only last month I upgraded my sky package and got SKY HD. I've now had my lightbulb moment and need to start finding money to help pay the bills (currently got more going out than coming in). Has anyone had experience of cancelling a contract with SKY? I know that they say that it's a 12month contract but I wanted…
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Friend in need alert!! Help please
Hello everyone. I really need your help. I am already a committed DFW and am taking appropriate action to deal with substantial debts, the legacy of compulsive gambling over many years. I went out with a friend last night. He hasn't had his lightbulb moment and is clearly very low regarding his current situation. He has…
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Should I stop my pension contributions?
Hi there I recently started a job at my local council and filled in a form to join the Local Govt Pension Scheme. Looking at my October payslip, £66.97 was deducted for the pension and the employer contributed £133.94. Can that really be true? So I'm wondering, should I stop the deduction and have £66.97 more a month to…
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How much have you spent today Friday 10th November?
Morning all, I couldn't see this thread so I thought I would start it. I am going to spend £1 on soup and a roll for lunch. Still not been to the supermarket since getting back from my hols and am going to see if I can eek out my freezer and cupboard contents until next week. This weekend I have a budget of £20 and I am…
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Lots of positive thoughts for my car needed!
I'm in need of lots of positive thoughts from my fellow DFW'ers! My car has gone in for its MOT this morning . It is already going in on a red ticket (fail) because the exhaust sounds horrendous. Its been a difficult decision what to do - nurse it through and pay up for another years MOT or ditch it before the MOT and get…
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What's pigsbank?
Hi All I have been reading loads of references to pigsbank and other things that you lot seem to make a fortune on! What on earth are they and how do they work. I am assuming that they are on the internet and so are quick and easy to do - but how and why do you make money - am I wrong are they labour intensive, or does the…
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M&S Gifts 3 for 2!
I took a disabled friend Christmas shopping yesterday and found M&S are doing 3 for 2 on all the gift section! My friend saved £72 on her shopping! Worth knowing about!
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Getting back on track...
Hi all, I am now back and refreshed from my holiday, have just been sorting out how much I spent whilst away and my friend (who booked and paid for the hotel on her credit card) has just told me how much the hotel came to. Well I almost fell off my chair! It turns out that breakfast wasn't included and they charged us 25…
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I can't get an IVA due to Northern Rock
Hi all, Recently I tried to enter into an IVA to help with my considerable debts of 31k. I seemed to qualify until it was revealed that my main creditor was Northern Rock, with whom I have an unsecured loan. I was told (by two separate debt advice agencies) that I would not be able to enter into an IVA purely because…
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Can I trust PayPlan?
Hi all I called PayPlan tonight and started the ball rolling so to speak. When my wife got home from work I proudly told her about my call and that I had arranged an appointment for Tuesday night when I would need to go through all of my accounts with them. She immediately paniced and started saying things about being…
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Is the need to spend psychological?
For the 2nd time in my 40 years I have managed to run up a massive debt with literally nothing to show for it. I reckon that my debt currently stands at £17K and whilst I am just about keeping my head above water I don't think it is going to be too long before a DMP is going to be necessary. Of course owing such a great…
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Help, dilemma...
There's a band I want to see, with presale tickets online They are £25 which is fairly reasonable and good bands hardly ever come down this way. Do I bite the bullet and buy four tickets? If I don't go or just go with mum, can sell the others on Ebay? What do you think? I have the funds from my bday money which I refuse to…
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Tax return
I have just finished my accounts and tax return. I did it myself to save money and stress hasn't been in it as it's been hanging over me for 6 months rather than me actually doing it! I just don't do numbers. Saying that, the sense of acheivement as I put it in the envelope was amazing and, boy, have I learnt that from now…
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5% Interest Rate
How will this latest hike in the interest rate affect all you guys? Hopefully, our mortgage will only rise by about £8 pcm, but that's just my guess:rolleyes:
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Default question
I'm in the process of clearing a default which should be cleared within a couple of weeks :beer: . Will this refect on my credit report and improve my rating or will it stay on the report for a while.
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PayPlan - a walkthrough of what they do please?
Hi there I'm thinking of phoning PayPlan but am a bit nervous (I've only just had my lightbulb moment!) Can someone who's using PayPlan please put my mind at rest and give me a walkthrough of what is discussed, what info they need (so that I can have it to hand) and how long the call lasts. Then I'd like to know what…
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In case I win the Euro millions.....
have a look at https://www.spendamillion.com. I managed to spend my million within 10 minutes! Although obviouosly it may take a bit longer to get through the £100 million jackpot, but I will give it a serious effort! Anyone else bought a ticket for tomorrow?
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Financially linked to partner
Second question of the night for me lol Me and my partner are looking to get a shared ownership house. i am now on a dmp, and the rent were paying is what it will cost for a mortgage and rent on a shared ownership propert so we can afford it. The thing is i dont want to get financially linked to my girlfriend as my credit…
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Thoughts on this please: Cancellation Charges
Whilst just sorting out my accounts i realised that i have had cancellation charges on three car insurances which i ended early due to changing cars / getting a better deal etc. Norwich Union - £44ish Budget - £56 ish Masterquote - £55 ish If my thinking is right (which i admit it may not be) i was under the impression…
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Need a bank account with direct debit facility
Hello, not been around lately but need a little help I got turned down from the co op for a cashminder account but i wasnt actually working at the time, and i just got a letter saying i was unsuccessful in getting an account. I need one for direct debits as this will save me money and i can do quidco stuff aswell, also…
