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Newbie, motivated and on a mission - Now very ANNOYED
Hi All, I've been reading this board for a few weeks now and had my lightbulb moment a couple of weeks ago. I've had good news that my bank are going to refund £1000 worth of bank charges and now I am really motivated to clear my debts as quickly as possible. I know that my situation can be resolved and the only reason i'm…
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Newbie - seeking advice.
Hi Im sorry to do this, Im sure loads of other have been here befor me. Im new to the site and was looking for some general advice. Ive been on a DRP with the CCCS for just under 2 years, our original debt was just under 40k, we currently owe approx 36K. Total payoff is around Jan 2012. I have always had a penny jar, but…
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how to get rid of defaults
well we want a bigger mortgage did a credit check turns out my fiancee has 2 outstanding defaults, 1 she sort of knew of the 2nd one she doesnt know why and i dont as we never had a contract with the mobile network, these defaults were 2 yrs ago, do we pay them and will that make the defaults clear or not bother paying…
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Advice Needed, Sell up and rent! Massive debt
Hiya, new to this and after some friendly advice. Dont really know how to start but here goes: My boyfriend and i are seriously in debt, so far as i can tell it goes something like Mortgage £156000 Secured Loan £14000 Unsecured Loan £26845 (Northern Rock together mortgage previous house) Other loans £48731 Credit Cards…
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Would you transfer balance in these circumstances?
Hi fellow DFWs I'm looking for some advice from a snowballing expert. I have an M&S credit card with APR of 3.9% for life of balance transfer. BUT, I made two purchases on this card in Feb totalling £81.12. These plus the interest they accrue are at the standard rate of 17.9%. You don't have to tell me how stupid this was,…
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New rules for transport for london charges recovery.
http://www.publications.parliament.uk/pa/privbill/new/001/001.pdf this gives them unlimited rights to recover charges(penalty) as and how they want.
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How much a week on groceries for 1A + 1C?
I have been keeping my daily diary for 6 days now. Won't be doing any more grocery shopping tomorrow, so have added up all bits and pieces and it comes to £38.16 for the week for me and a ten year old boy. We both have packed lunches, and also I have got a dog and cat to feed. Also this week I had to buy washing powder…
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Advice Wanted
Hi all, could anyone give me some advice on where i can make some savings on the following: Incomings: £997 Outgoings: Rent £220 Mobile £25 Cinema Mem £11 Health Mem £9 Savings £50 Pention £60 CC £200 Loan £250 Career Loan £90 I think thats about £915 a month i payout not leaving me alot to play with. Very little savings &…
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credit card shuffle...blonde hustle
have read Martin's CC shuffle but with information presented in such different formats by the financial institutions I am still a bemused, failing tart :confused: ...please help I currently have 4 credit cards: Lloyds TSB -nothing owing, credit limit £6 150 Virgin - nothing owing, credit limit £6 000 HSBC - £978 (0% ran…
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Can anyone help me - transferring balance on a 'fair' credit rating
Posted this elsewhere but got no responses so hoping perhaps you guys can help! I could really do with some help. Due to being stupid I have wracked up quite a bit of debt on credit card. I moved into shared accommodation to try and improve things and while I am no longer using my credit cards one of them, the balance…
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DFW Meet? Where is it?
I have been looking for the Poll! Has it been moved too? I can't find it and I want to know where we are going. And when it is? Come on bunnykins, aren't you in charge. I've got no other dates to look forward to, and Dithering Dad needs to book his flight in good time from Norway, or even Germany by the sound of things!!!!
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Debt Free and Fat Free Wannabees (part 2)
Evening all, Nearlyrich said earlier that we could resurrect this old thread name and use it as a DFW weight-loss thread. I couldnt see that anyone else has started one yet and so i thought i might as well :D ! As i offered on the other thread before it was merged, if anyone wants the slimming world details i have a lot of…
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Can I pick your brains?
Not literally... Mum currently owes: Credit Cards - Egg = £620.30 - 0% for another two months HSBC = £345.38 - 0% for one more month Loans - HSBC - £7666.82 @ 7.9% - £168 per month IF - £6037.28 @ 6.9% (allows overpayments) - £137 per month Both where originally £8k, taken out last March She has £300 plus interest to come…
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Chuffing Egg Bank!! Ancient settled defaults still showing as owed!
I went to my mortgage lender today to get a new fixed rate and further finance to fund my car for work (for which I get car allowance, so can run a new/newish car). Went through the application process and everything was good (including sickening the mortgage guy when he realised I was on a damn sight more than him :D…
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letter responces
hi I have sent letters to the creditors explaining the situation were i will have to pay token payments. I sent them about 3 weeks ago and no corrospondence from any of them. They have managed to send me letters to say they have charged me late payment charges. I dont have a phone so i can't phone them ( i got cut off by…
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old depts please kelp
Hi all, I owe money on visa card from 1998, ive had so much stress with them back then over the years that i just ignored there calls and letters. in 2001 i did go to a financial advisor to sort it out and he wrote letters to them but they didnt reply back....his last letter he wrote to them was something like.."as you…
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Credit Files
Hi everyone I just have a question about the three credit agencys, is there a main website that allows you to view all 3 of your files from all 3 of the agencys? Or do i have to pay for each file individually? I would like the Equifax one, but i think it costs 15 pounds a month? Thankyou
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Advice need re: new way of budgeting
Trying to rework my way of budgeting as previously I'd always work out a daily budget and go by that but I always seemed to be messing it up somehow so am looking for a better way of doing it.. Here's the way we currently do it.. Dh's wages + My mat pay (soon to end hence time for new budget) = a bills (direct debts) +…
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Can I claim interest on my redundancy payment?
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Banks that Open on Saturday?
