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hey everyone :)
Well.... hello! I have been watching this site for about 6 months now but never plucked up the courage to post about myself. In fact, Ive never posted on any site in my life before. Please be kind! First of all I guess I should give a brief description of whats going on. I have always had debt, sometimes more managable…
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mortgage protection
Advice please. Just had to pay the doctor £25.00 and asked my employer to complete a novel of questioning re; claiming mortgage/secured loan/cc payments as I have been off work for almost 5 weeks due to a back injury at work. I pay almost £100 a month to the building society and have been told in not so many words that a…
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please explain quidco/you.gov
Hi, confused about various forums such as you.gov and quidco. Sorry if that makes me thick :confused: but can someone please point me in the right direction as to how I can start to earn some extra money:Thanks for being out there xx
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DCA Late Payment Charge Query
Hi all, This isn't for a personal debt but a work related. I work in a school and when we got back after the Summer Hols there was a statement and a final demand for an outstanding invoice dated from July. I hadn't seen the invoice so I rang them and asked for a copy. This never turned up so. I then faxed the company…
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Another lurker joins the fold.
Right. After a really heavy month on the old spendathon, I was left with no option to sit at home and wait until payday. I was miffed at having to wait until payday until I could live a normal life again, and I got to thinking about why I am never in the black, and always way into my far too large OD facility. Having heard…
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been offered way out of debt, is there a catch?
i have seen on the tv ads for people struggling with debt and offering up to a possible 75% off your debt without getting another loan. from what i gathered you needed to be in full time employment, which i am not, so never gave it another thought. even though we are struggling to repay approx £20k on loans and £11k on…
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If only all banks were this good
Ok long story but my wife is now bankcrupt and i am trying to start some sort of DMP out with Payplan to at least pay something a month towards my creditors. But I can't do anything until the offical receiver contacts my wife to discuss her affairs. Anyway I have cancelled my direct debits and changed banks, so no one…
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Nearly debt free but fallout causing problems
Hi there. My debt profile is as follows: £700 Barclay Card @ 20 something percent. £1200 Natwest Credit Card @ 20 something percent £900 to Natwest Bank I am not a homeowner My situation is that I am and always have been a complete muppet with money, which is actually quite ironic as my surname is pounds. Although my debts…
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Feeling A Bit Cheap.....
Hey, As we all are, i'm trying to pay off my debts and I was just wondering, does anyone worry they're maybe becoming a bit scrooge maybe? I've been to the bank twice in the last week and it's basically because everytime i get a couple of coins im just like 'well it's not earning interest on the cupboard'. I've started…
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help! i've got some money... who to pay off first?
I'm about to come into some money - about £4000. Though this is great news and though I am dedicated to doing something worthwhile with it I don't know what to pay off first! My main debt is a bank loan at 10% which was £6000 - but the balance shows on the statements as just under £7000 - though the early repayment fees…
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Can someone give me a kick up the....
backside please? Oh and a hug!!! Feeling swamped. I started moneysaving and money not spending in Feb and had been doing very well, having only £10 a week "pocket money" ( This has two great advantages - saves a fortune and makes me feel like a teenager again!) I have saved £2000 towards a debt I have and had paid off an…
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surveys
can anyone point me in the direction of surveys you get paid to fill out and the best ones to use?
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My Internet Pass
I have had no replies on the Internet Board, so thought I would try here, i always get great advice on this board! As a cost cutting exercise I am thinking of stopping my broadband at home, I have access at work and use my home service very little and not very often. Martin recommends myinternetpass for very light users,…
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Can you go on ITN News this afternoon?
Afternoon, could you have a look at this if you can? Andrea :)
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Anyone else worried about the interest rate rise?
Anyone else worried about the interest rate rise? I was just reading all the analysis on one of the internet news sites as well as some of the comments that had been posted there. Some were genuinely worried people and they were getting heckled from other posters. So just wanted to see what everyone on here thinks of…
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Is it me or am i over-reacting?
http://forums.moneysavingexpert.com/showthread.html?t=300572&page=3can someone have a look at this and tell me if im overreacting cos i think the guys an absolute idiot :mad:
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In bad debt again I feel so ashamed...
Well I am in a bit of a mess, I can't believe I am in this situation again I am disgusted with myself why do I do it, well we have debt (mostly my fault) of around £35,000 OMG that looks just awful I am so depressed with it I hate myself for it. Well here is my statement of affairs: Monthly Income Amount Net Monthly Salary…
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Full and final settlements - the holy grail of a DFW?
I see so many posts on this board talking about full and final settlements. They seem to be something we all dream about but in scouring the postings I have seen very little hard facts about them and virtually nobody who has been willing to post and say "we got a full and final settlement of 50% with no questions asked and…
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Moneysaving at work!
i.e. are there things you can do at work to save yourself money in your personal life? I got thinking about this after I got an email joke the other day saying: Always try and do your number 2's at work, that way not only do you save money on loo roll, but you're getting paid for doing !!!!!!! :rotfl: Anyway, I just had my…
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Increments in wages
It dawned on me in Feb 2006 that I've never had an increment whilst in this jobs, I've currently been here for 4 years and 3 months, so should have had 3 increments atleast. My boss said she was looking into it but nothing materialised. Anyway yesturday our Human Resource Manager visited and I asked her and it seems she's…
