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girly post/rant
Why is it that us girls have to pay for tampons/sanitary towels, when we actualy can't help it? We don't ask to have periods do we?! A while ago we were also charged vat on these as they were classed as luxuries!:mad: We can get free condomes, free contraceptives so why can't these be provided free? When I was really…
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Woohoo!
Only a tiny step...........but..........I contacted Egg today and asked very politely if I could have the PPI dropped from my loan and after a couple of questions they said yes! and were really nice! unlike my bank (round the world not giving a toss) who are very snooty. So go me! I also have an idea to make a wee bit more…
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DCA Bargaining
Does anybody have any experiance of bargaining with DCA's to come to a lower final figure. All being well in the next few weeks i should have a lump sum of money which if used correctly will allow me to reduce my total debters from 18 to about 4 - Which will obviously be very nice. How do DCA's take to the following…
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Energy Monitor, save money.
I don't know if this has already been posted on here, or if they are available any cheaper elsewhere, but Lidl has these in stock from Monday. http://www.lidl.co.uk/uk/home.nsf/pages/c.o.20061113.p.Energy_Monitor.ar3 These should show how much electric an appliance uses, it can also be programmed with the unit rate to…
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Just want to share some good news
Hi all, I've just had confirmation that I've been accepted for a small pilot project thingie running here - 10 hours a month on top of my regular job, and £1250 for the year! I know it's not going to be huge amounts after tax, NI & student loan, but it brings that debt-free date a bit closer... :j Also - just found out I…
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i just can't belive it...
i rang hsbc today to try and transfer some of my savings to my current ac as i was overdrawn,,, but no they cant transfer my money (in a reg savers account) but they can even with my bad history... give me a £500 overdraft and a credit card for £2250!!!!:eek: :eek: i have only been with them for three months and have been…
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Cut up Cards
Hello I have been nervously lurking around for a couple if months now being inspired by all your suggestions on helping to cut costs and become debt free. I have not had the courage to post any details yet because I am very embarassed. My OH and I are both big wages earners but have become in debt through extravagance. We…
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aagghhh Tesco Insurance ripped me off!!!
:mad: :mad: OOO i am soo angry! I took out an insurance policy with Tesco in August when the offer was on for the fuel vouchers. As my policy was around £700 i would qualify for £50/£60 worth of vouchers. I done my policy online, filling in my clubcard number and all details and was told i would receive my vouchers upto 6…
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Stopping family wasting money?!
My family are not into moneysaving as much as I am & although I dont know what/if any debts they have I dont like to see them waste money. So this morning I was fuming to realise that my 14yo sister went out to school leaving 3 lights on!!!! My mum was ill in bed & I'm bedridden so these lights stayed on for 3 hours before…
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Working Notice Question
Just a quick question, what would happen if you left work without giving your notice? Thanks in advance.
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Budget Spreadsheet - REALLY DOES HELP!!
hey all i made a spreadsheet so that i can work out my debts and finances with ease its great 'cos all you need to do is adjust the figures daily/monthly etc and it will tell you 1: How long until you are debt free! (always good) 2: How much is left each month after everything paid out. a useful budget tool - heres a…
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Advice on Calls from ARC
Hi Can someone tell me what I can do. I kept getting messages on my home phone from ARC with a reference number. No idea who they are or what they want. Did a search on them and they are a debt recovery. They just leave a message with a reference. The only place I can think they are calling for is about a gym contract i…
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Afternoon tea 8/11/06
Good afternoon everyone, it is midweek and that time again :coffee: remeber everyone is welcome. anyone got any good gossip?:D :rotfl: :eek:
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Get paid for telling your debt story
Have you been in serious debt? Are you struggling to make repayments? Would you like to get paid for telling your story? I am a journalist writing an article on Women and Debt for a women's weekly magazine and I am in need of one more case study. I would be very interested in hearing from a woman who has accumulated debt…
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Catalogue Debts
Can catalogues charge you for what they call a late payment and put you in the debt collectors? I tried to pay on my joint bank account with my partner's card on the internet. The company called to say their system couldn't cope with that and could I try and put it through again. I did this but it still didn't go through.…
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How have things changed for you since you first joined?
Thought this would be a nice uplifting thread about how far we've all come since we first joined MSE and the DFW forum. I joined this time last month stressed and struggling to leep tabs on all our debts etc as we were finding that we were always struggling for money at the end of month after all the bills were paid. I…
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Credit rating
Although we are debt-free, I am wondering if a couple of things from the past will affect our credit rating. We took early retirement in 2004 and therefore our income dropped dramatically. At this time we had an overdraft (within our limit) of about £1500 for about six months. I had just posted the cheque to clear it…
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another couple of q's
does the CAB have the bankruptcy forms or do i need to get these form the county court. if so, would they send them or do i have to collect in person?
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Bit of a Holiday/Work thing dilema - WWYD?
Please bear with me on this one as I can waffle quite a bit when I get started!! Just very recently had our lightbulb moment as regards our debts and are currently trying to get together a plan of action.... its not going to be easy - and the amount we owe is very very :eek: indeed! Thing is, we're supposed to be going…
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A Humdinger of Debt Dilemmas
OK, so here's the situation (as is, as was and what will probably be)... * I'm a full time mature student (with a year and a half to go) * I also have 2 part -time jobs to help me along * My debts, including Student Loans have now tipped the horribly depressing £28000 mark (more about that in a bit) * My partner is…
