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Car Insurance and being a DFW dilemma
My car insurance is due for renewal tomorrow. I currently pay £30 a month and have told my current insurer to renew it so I make sure I go to 3 years no claims. (painfully built up after having zero after leaving my ex and being a second named driver for years:mad: ) I'm planning to switch to Budget tomorrow as they have…
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my iva accepted details here
My iva has been accepted god knows how ...due to a smelly divorce and bad advice i ended up 90k in debt creditors voted 83.4% in my favour ,i do not own a house or a flash car so have no real assets for them to deal with they accepted 18p in the pound and i know pay back 22,800 pounds on my iva .A big thank you to payplan…
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abbey ups mortgage limit by 5 times!
abbey are going to increase the amount they lend for mortgages to up to 5x the buyers income to help first time buyers! this most certainly will cause problems with people taking on mortgage higher than they can afford?!…
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what's the first step?
Hello - I'm a newbie, have been lurking for a while, but really need some good advice now. I have recently had to leave work due to stress related issues and my partner also has to stay at home with me. We have two children. Between us we have amassed a good few debts, that were affordable when we were both working, but…
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24 and falling fast!
hi, i'm 24 years of age and currently tearing my hair out over the debt i'm in. heres a rough summery of what I owe... barclays business loan - £16000 to begin in march 2007 @ £333 per month. barclaycard - £3500. three other credit cards totaling - £1250. I am self employed as an internet website designer but work is not…
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gas and electric
well im on pre payment meters and although its cheaper for direct debit they want a credit check any suggestions as to what to do ? my credit rating will be bad
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I Need Help.....please!!!!
Hi this is my very first post and I'm sat here worried sick. Somehow, we have managed to make a right pigs' ear of our finances and we are in debt. Although we are keeping up payments, I don't know what I'm going to do when the 0% interest runs out on the credit cards. We made the mistake of applying for various CC hoping…
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Warm fuzzy feeling
I just signed up for Freecycle London and put up an advert giving my coffee table away, Got 3 replies within an hour and someone is going to pick it up tonight :) Yay altruism
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Help!!! Help!!! Help
ok at age 21, im young and stupid when it comes to money (student life maybe?) but im really in the proverbial! heres my current debt: Overdraft HSBC - Limit £250 - Balance £500 Overdraft TSB - Limit £1000 - Balance £1050 - legal action proceeding Virgin Credit Card - Limit £400 - Balance £500 Rent - £750 in arrears!…
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Wow! Second year running...
I've just had my Egg anniversary offer of a balance transfer through, and this is the second year running that I don't need to use it!! :j I used to always have hundreds if not thousands of pounds I needed to tart around, as I never, ever managed to pay my debts off, but thanks to this site I am now saying no to Egg AGAIN!…
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afternoon tea 1/11/06
any1 for a cuppa?:coffee: nice clean new thread! this is where everyone can chill out after giving advice or have a bit rant on whatever you want. I have some very festive chocoalte shortbread in the hsape of santa/xmas trees and reindeers if any1 wants 1 ANY1 AND EVERY1 IS WELCOME
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accessing mse - having problems
I have been having real problems accessing MSE since i came back form my weenend away last week,:mad: and I have had to do my own excel budget sheets etc. on the plus side I now have a brilliant set of spredsheets tracking absolutely everything I do.:j Has the site been down or am I the only one not able to get on? I have…
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discount off train tickets?
I was just wondering (sorry if this is in the wrong place) can any1 tell me if there's any way of getting cheap train tickets.discount off. there's no point buying a rail card as the person who is travelling doesn't travel that often and they can't get any student discount! is it cheaper to buy over the phone or in the…
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Hello...newbie alert
Hello, First time I have posted on here! Looking for any advice and tips as I am in trouble and don't know what to do!! Any tips or pointers in the right direction are appreciated! Background - Basically I haven't worked since march due to depression, but haven't claimed any benefits until a few weeks ago (thought i could…
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Help with Graduate Debt
Hello moneysaving heroes! I graduated in 2003 and it got me nothing but a beer belly and huge amount of debt. Suffice to say, I was too young and vulnerable for the real world and was an easy victim for banks offering 'free money' (as my 'friend' often referred to overdrafts) and magic plastic. I have learnt the hard way.…
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overpaid by employer
Advise please. i have alledgeedly been over paid by my employer to the tune of £3k last year. they have admitted responsibility for the mess up but havn't provided any information to back up their claims. they are proposing to pay back the money over 20 weeks (120/w). do i have to pay this back? (if indeed i did receive…
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What's Money For Nothing?
Please enlighten me.... I keep seeing it in people's signatures but haven't quite worked it out - it sounds great! Thanks Also how do you set a signature up? Cheers
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Taking Bank Claims to a whole new level - £25,000
Just thought some peeps may be interested in this: £25K claim I hope they win, my god imagine a £25K windfall.
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FIRST POST, FIRST STEP..feeling down
Hi everyone, this is my fist post on the forum although i've been lurking for a few days. I have a number of debts across a career development loan, credit cards etc. I have been paying everything on time apart from on a couple of occ in the last 12 months when I have missed credir card payments but have always aid the…
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Help - Nearly £7,000 in debt and a full time mum
Hello everyone - this is my first post so having finally summoned up the courage to face up to my debts please be gentle with me and please help me if you can. I have the following debts which I would desperatly like to clear asap:- Tesco Credit Card - £2,790.57 (16.9% APR) Egg Credit Card - £2,357.05 (17.9% APR) Natwest…
