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Happy Monday! What are you looking forward to this week?
Morning all! And so begins the weekly positive thinking thread... what have you got to look forward to this week? Personally I'm having one of those day where EVERYTHING is going wrong so a little positive thinking will do me the world of good right now... So this week I will mostly be looking forward to... * Payday today!…
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phone calls..
My OH went to work last night,only to find a post it note on the notice board to say NORTHERN ROCK had phone him at work and could he phone them back :mad: .We have been in a DMP with payplan since begining of april,OH has taken calls at home from NORTHERN ROCK ,we have written to them every week so far but they don't seem…
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30.4.07 what small dfw thing have you done or will you do today?
Welcome to a brand new week :D We all know that the big changes can make an instant difference to our finances, eg cutting up the credit cards and cancelling Sky or the gym membership. But once we have done all the bigger stuff it is sometimes hard to realise that we are still doing DFW stuff each and every day! They may…
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Could so explain what is Quidco
Hi am looking to buy a hdtv tv for 340 on ebuyer but i keep reading about quidco so could someone explain to what that is cheers andy
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Right to offset when debt passed to DCA?
Hi there Quick and (I hope) simple query - if a bank debt has been assigned to a DCA, does the bank still have the right to offset? My situation - defaulted on a loan to Sainsbury's Bank and in the process of starting a DMP with Payplan, but have current account with the Halifax, with cheque book and debit card. Obviously…
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Advice please! I have a loan, and overdraft, should I get a credit card to clear it??
Hi All, Does anyone have any advice to give me please? I have a loan and an overdraft. Is it wise to get a credit card and pay off the loan and overdraft so that I only have one payment to the credit card every month? I don't currently own a credit card. What do you think? Thanks so much R
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westcott sky
hi can anyone help in dec when i had my lbm i rang sky and asked them to cancel my package the girl told me it had been done but in jan and feb they again took the full payment. so i cancelled the dd so they couldnt take any more money and rang them again and was told that no one had cancelled it. so i agreed to drop to…
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Oh My Word - Weirdness With QuidCo!
I have just logged on to my QuidCo account and noticed the amount I have accumulated this month has jumped up by about £1.50 or something but I haven't bought anything and just did x2 The High Street Web searches today. So I looked in detail at April's transactions and I have a whole mass of the High Street Web searches…
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Who cleans your outside windows?
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My life story, with a question, feel better for getting it out there
Ok, I don't have alot of debt, but want to sort out what I do have now. Currently I owe £1300, £500 on my overdraft (agreed) and £800 on something call a flexie loan from my bank, which is basically a current account with an overdraft, which you pay a monthly payment on but can add more or take out money if you need to. I…
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Renting whilst on a DMP
Hi guys, My GF and I are hoping to rent and have had an offer accepted by the landlord......... which is subject to all the relevant checks by the estate agent. He mentioned that one of these is a credit check. Obviously, i'm on a DMP so the credit history is a bit ropey...... will this cause a problem? What could they do?…
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Financial Advice Needed!!!
Hello all, Targets: Reduce the interest rates I'm paying on my credit cards. Possibly consolidate it all into one single loan or what's recommended by yourselves. My Finance: Salary = £25000 Monthly = £1666(varies) Rent & bills = £800 Current Account: Cahoot Account, 500 overdraft, currently £494 available in my account.…
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The '101 days to change our lives' challenge
Hi everyone, The idea for this thread had been swimming around for a few days in my head but it has come to fruition thanks to a great thread started by swishster, it can be found at:Click here Now I know we are all making changes somewhere and I know you are all making progress; I guess this thread is intended as an extra…
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Problem with debt collector
Hi I haven't posted for a while as everything has been going okay..until yesterday. I received a letter from one of the debt collection agencys asking them to call me. Can I just say that this is a company with the most rude and arrogant people I have ever had to deal with. The others have been fine and have accepted my…
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More money saving help..... Please
Well I'm still finding ways to cut back and wonder if any of you guys can help me out. I currently have a mortgage protection insurance premium for £150,000. My current mortgagte is with the Halifax for £70,000 and I have a secured loan with GE Money for £35,000. I also have Payment Protection on the GE Money loan. Can I…
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Mint card question for parents
Excuse this question, but you DFW's are great, and would probably know this. My Mom paid off her Mint card a few months ago, and didn't think to cancel it. Then last week she received a bill for £29 for "insurance" from Mint. She rung to query it, and they weren't helpful. Any ideas what this is? I initially thought PPI,…
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help with quido
I was not sure where to put this one but i have a payment with Quido which is now saying RECEIVED and in the payments it is saying sceduled .It is the last day of April tomorrow will i get the payment tomorrow?
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Some advice needed please
Hi everyone I have been lurking on here for a few months now and have noticed how helpful you all are and wondered if someone could give me some advice please. We have an unsecured loan that we are currently repaying at £362 per month with a balance of around 9k and an interest rate of 5.6%. There are just under 2 years…
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control
How do you control spending??? ie budget. Just updated my own copy of our spending (saved on pc) and can't believe what we've over spent on. Basically we had a nice surprise on Fri, a cheq for £176 from our solicitors from when we moved house and then last night i won £49 (work lotto, 48 bonus ball is my #). So we were…
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DFW Sunday Confessional 29 th April
Forgive me Martin for I have sinned..... ... and so begins to new weekly 'confess your DFW sins' thread... a place to repent your splurges and non DFW activities during the week... I'll begin... My sins this week: 1. Going over budget at the Cradle gig, using debt account money to spend £40 more than we planned... :eek: 2.…
