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DMP and CAB
i've just cancelled my DMP and going to see CAB in the morning. insolvency people rang me and recommend i go bankrupt but go through the CAB. friday i'll be opening a new account and moving direct debits over in preparation. then it's just a case of fighting off creditors until i raise the fees for the courts
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Tesco Clubcard
hi all im trying to save all my clubcard points to use them towards our new kitchen or bathroom in our new house.. i know you can collect points in tesco in store and online also at marriott hotels was just wondering if anyone could let me know where else i can collect points.. Tia
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student loan bites back
hi all, in 2003 i called the loan company to pay off my student loan (as i had some spare money at the time) and they gave me a figure and i paid it off. this week i had another letter saying that i still owed them nearly £700! they've kindly (!) allowed me to pay it back at £90 per month (which is far too much i…
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Free postage experiment...success!
Hi all, A few weeks ago I raised the possibility of using pre-printed pre-stamped envelopes to send personal mail to addresses other than their intended destination. People generally didn't do this, instead preferring to use the envelopes and sticking on a stamp. One peson said that they tried it once and just got a royal…
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i need help !! should i I.V.A?
hi, spot the newbie !! basically i'm stuck and dont know what to do. i owe 24k in loans and 2 credit cards. i am paying £357 per month for the "privelidge" my rent is £400 car ins £35 food £100 per month. total approximate outgoings as above £892. salary per month. £ 932 left over £40 (wow) should i get an I.V.A? im…
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Payplan or CCCS?
Is one preferential to another? Without going into too much detail have just added up Mum and partner's debt and it is a LOT! Also they have a very low income. The lightbulb is flickering but I think she is too embarrassed too let anyone know their situation but she has said I can contact Payplan or CCCS on their behalf,…
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Avon - is it worth it?
In an attempt to help clear our mahooosive debts a suggestion of becoming an Avon rep came up .... just wondered if anyone has had any experience with Avon? Can you really make decent money? I'd be doing it as well as my full time job so it would be an evenings/weekend thing. (actually - another point - where would I stand…
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what's the point of it all...
You know, last night I was feeling really positive about clearing my debts over the next few years and hopefully getting my balance down to zero! I have a plan and it will work if I stay focused and determined etc... :T BUT then this a.m. I'm thinking - but I've trashed my credit score anyway so what's the point? Do you…
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Marriage didnt work, me leaving UK for good ! pls advice
Hi All, I just could not find the right thread/forum. Since this was the most closest to my worry/concern i thought i'd pen here. 4 yrs back i came to Uk for a woman (british) who i thought loved me, no doubt i love her to bits still but that never mattered for her nor my step kids.... & over the years coz of my wife's…
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Vodafone won't let me downgrade
Rang vodafone to try and get myself on a more reasonable mobile phone tariff ... but they tell me that I can't 'downgrade' until I've been in contract for 9 months ........ oh I can upgrade at any time of course - but if I want to save myself a few quid ..... oooooooh nooooooo!! Unless I'd be prepared to add another 6…
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Light bulb getting brighter....but i need some help to get it to full power!
Hi everyone:hello: I`m getting there slowly, but do need some more advice. I haven`t put up my soa yet, as i`m in dispute with the council over my housing benefits and council tax...that`s another story....but as soon as that is sorted i can do it and post it up. I`ve applied today for my credit report from Equifax... so…
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Not strictly DFW but need your help!
It's my DH's birthday in the 25th and I'd originally organised for him and his friends to go paintballing for the day. But I've been messed about with everyone not telling me whether they're coming and not paying up so it's fallen through as I won't have time to book it plus we don't have the minimum numbers needed. I now…
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what to do?
My 0% interest period runs out in December on a balance of £5000 with Halifax. I've got a Virgin card, which has nothing on it, and they are offering 6months interest free on BT, but with a charge of 3% (£150). I'm not sure what interest rate the Halifax will charge, but on the site for their one card they quote 9.9%,…
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The lightbulb moment...
Well, I think the lightbulb moment has just hit...the bank suspended my 16k business overdraft, I missed payment on the mortgage, couldnot get any money from any of my credit cards to put petrol in the car, etc, etc, etc... I dread to think how much I ACTUALLY owe. Can someone give me some advice...do I seperate personal…
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How much will/have you spent today Wed 8/11?
Good morning lovely DFWs :) Nice and early today as busy day ahead at work! Half way through the week and that's always good as we are nearing the weekend ;) Spending wise, I am planning to spend £4 on lunch as left mine at home :o Other than that, maybe a cup of coffee to warm me up later but will try to refrain! I will…
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In a mess :(
Hi, After another sleepless night, I've finally plucked up the courage to post here. I'm in a right royal mess for the 2nd time in my life. I can't believe I've done it again! :( I need some help and advice, and probably a good kick up the u know wotsit. Background info - Divorced mum of 3 with partner of nearly 4 years.…
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How much have you spent or will spend today, 8/11
:j Hi everyone, i am trying to finish an assignment, seemed to have hit a mental block, maybe its time to get some shut eye. Hope your toe is healing Moosie. It won't be a NSD for me,have very little food in so an asda shop this afternoon and a few xmas presents. My budget is £50.00, £30.00 on food and £20.00 on presents.…
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I have a cunning plan!
Hi everyone :wave: Oh, I really shouldn't be up this late, but what the heck! I've been fiddling with figures for hours (and enjoy it..how sad is that :rotfl: ) and am lucky enough to have found a big chunk of money to help pay off my debt. I have 2 endowment policies for the mortgage, but changed the mortgage to full…
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Interesting Pub Dilemma
Hi Guys, OK. Here's one for you. Just retuned from the pub and during the evening had a very interesting chat with one of my mates. He gets paid on the 24th of the month and he says that he has £150 to live on til then. He's not a big drinker so I can't really give him grief for hitting the pub! He's married with one kid.…
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Letter Template
Hi everyone As anyone got a letter template to claim back unfair bank charges? I need this for a friend, so any replies would be greatly appreciated.
