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Please Help - Big Debt - I just want to cry!
I've just worked out our debt and I quite literally feel like crying. We are in so deep its frightening .... we've buried our heads in the sand for far too long and have spent the last year or so borrowing from Peter to pay Paul which has done nothing at all to help. Quick rundown: RBS loan : £20,000 (£319 p/m until Sept…
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Small happy dance!!
We accrued £118 in bank charges the other month because some money was late coming in and I used the debit card when I shouldn't have. Anyway, have been looking at the consumer action group website, and after getting some advice decided to try to go down the legal route to get my money back. Someone recommended ringing…
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My Updated SOA
Hi As promised an updated SOA following my credit card clearing marathon - this was £470 per month Monthly Incomings: My salary 2300 OH’s salary 1900 Total 4200 Monthly Outgoings: Mortgage 800.00 OH’s Loan 300.00 (60 months remaining @6.9%) Council Tax 112.00 Home Insurance 29.00 Gas 57.00 (Switched this month – was 69.00)…
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45k in debt and frustrated!!!!!
Hi everyone I have just stumbled across this site as I am very frustrated and angry with my situation and was looking for advice and found this site, I have had a little look on here but need to spend a good few hours to really get some good help. My situation is I am 33 and live with my fiance just outside london, I have…
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Right move?
I've just totally confused myself, so thought I'd ask you guys for some advice Egg - 16.9% - was £786.70 IF - 3.95% - was £268.28 (limit £600) So I've moved £330 from Egg to IF which has the lower BT rate for life on balances moved before December. Saving me £48 according to Money. Right move? Now the next thing is to pay…
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Demotivation, tight month, then a massive bill / payment :(
Posted a topic about budgeting in the past, hopefully this is the proper start now of what is to come! Hi guys, my fiscal situation is one of sorrow really, not anywhere near as bad as some with dependents for example, but I am getting to the end of my tether with my situation at the minute. After this month being another…
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Advice need - Future money problems
Good afternoon everyone. Need a bit of advice. Here goes. Basically I am about to change jobs. On the 5th Dec I finish my current job but don't start my new job until the 18th Dec. Being Dec pay will be early so I don't think I will get anything from my new job in Dec. I won't get much for the 5 days off my current job…
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I really need some help :(
myself and my other half need to sort out our finances. We are trying to sort out a loan to pay off all our debts so we have them all in one place, We have a mortgage of £60,000 but our house is now worth about £120,000. We will be able to manage no problem if we can get the laon, but as it stands we have more money going…
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Im feeling positive
For a long time my debts have been weighing me down and always on my mind but i really feel like im getting somewhere now! I am a student and i was in about £3000 debt with credit cards. I was feeling the pressure of the monthly interest adding up so i took out a personal loan with my bank, gave my fiance my credit cards…
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Facing up to debts at last
I've been on this site almost daily for the past few months, keeping an eye on offers and occasionally joining on discussions. I've now decided to face up to my debt, write it down and really start trying to pay it off. I'm the worst procrastinator I know and normally find a reason not to do things so hoping you friendly…
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Payplan or own DMP - advice please.
Hi I am with Payplan and have 9 creditors. 2 are very small amounts and will be paid off in one go and I have also recently started an evening job and will be earning a bit extra each month. My question to you wonderful and helpful people is should I stick with Payplan or go alone. The creditors have accepted the repayment…
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back to work
I have decided to come out of retirement temporarily to earm some spending money for my planned holiday to Mauritius next month. so back to work this afternoon.
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please help,am having a nightmare!
Hey there! I am new to this site and in need of advice!!! I am currently with Payplan, have been paying them for four months and it has been such a weight off our shoulders! But the last month things have gone sour and I feel completely let down by them. We have had to take matters into our own hands and call creditors…
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ARGH Going mad
As some of you may know I havent been working since I moved back up north - Havent worked for over 3 months Had an interview last week - loved the place, the people, really wanted the job sounded perfect for me. They said I would hear by friday Well they called me yesterday but I missed the call, so they left a message…
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What have you/ will you spend today, Thursday 2nd November?
Morning all! Hope everyone is doing well and keeping their spending low. I still have the £2 that I started the week with- hurrah! Will spend it today though on my lunch, I am off on holiday tonight :j so will need something to sustain me until I get there. I have a £5 budget for magazines at the airport and £250 to spend…
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Less than £500 to go!
The end is in sight, I now owe less than £500 and once my Natwest bill comes through I can pay £200 off that so will owe less than £300! I really want to get this paid off by Christmas so that I can start 2007 with a completely clean slate, so it's a case of battening down the hatches and getting on with it. I don't quite…
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please be kind
hi not sure what to do about my debts at the mo we have letters coming in every day saying we owe this or that and i know we do but we cant afford to pay them. Most worringly we counldnt pay the mortgague last month do i sit down and write to everyone explaining the situation do i speak to someone like payplan how does…
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Lloyds TSB loan
I have an arrangement on my loan whereby I have been paying £80 @ month instead of £297. I have recently been told I need to up this to £145 and if I keep this up for six months they will refinance my loan, keeping this monthly payment and also including my overdraft and credit card. I was told I didnt need to make my Oct…
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$$ Been scammed b4 but this one works!!
Oprah Did A Show On This Topic, It Really Works MAKE FAST MONEY WITH PAYPAL !! Please Read on, this will change your life!!!!! LET ME TELL YOU THAT THE FOLLOWING SCHEME WILL CHANGE YOUR LIFE IF READ CAREFULLY AND FOLLOWED HONESTLY. THOUSANDS HAVE EARNED AND MUCH MORE ARE EARNING .DONT MISS OUT THIS ONE. PAYPAL VERIFIES…
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PPI on a £25K Loan?
Hi, I have a £25K loan with Lloyds:eek: and was mis-sold PPI on it :mad: (PRE-lightbulb moment-please be kind:rolleyes: ) Now, I have secreted away my details in one of my burying-my-head-in-the-sand moments and don't know how much the PPI added as I am planning on claiming it back. Can anyone give me a ball park figure?…
