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Giving Up
I've been on a DMP for a year now and have 5 more to go. That's 5 years without a disposable income of any sort. Every penny I earn pays the DMP and the rest on household bills. My house is falling down around me as I can't afford to decorate. I froze during Winter because gas is so dear and spent the other day with no…
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Debt management has totally confused me please help
Hi Im new to this site, I have debts of just over £13000 mostly with LTSB I contacted a debt management agency who have made it seem too good to be true, they can sort out all my debt for just £290 per month for 4 years, then all my debt is paid off this company is called Bryon & Keeley financial ltd, but now I have been…
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where's SS?
Anyone else missing their daily fix of SS' chat up lines? Seems a bit quiet around here without him.
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ADVICE PLSE - Should I help pay off my partner's debts
Hello all, This is my first post, so please forgive me if I'm contravening any kind of etiquette! I've been inspired by this site and this forum and over the past year or so I've been living very modestly and aggressively tackling my debt (was about £4k) - I'm now on course to be debt free in about July this year…
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DMP and business account
I am on a DMP with CCCS 4 months in and all is well. I have a new basic bank account with Coop and am in dispute with LLoyds ( isnt everyone??!) over a mis sold loan. Lloyds have offered me just under £16,500 to settle but I havent accepted this yet as it is all made up of interest and PPI, anyway to get to the point my…
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Email Scams
In the space of a week I've had phishing emails for Ebay, winning the lottery (although I never entered) AND got a job in the States (never applied) and all I have to do is send them ALL my personal info and I'll be rich!!!:rotfl: Great! Anyone else? Why so many all of a sudden?:confused: Bunny
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Chatlines? PM not working?
Hi, I've seen a couple of threads regarding doing *ahem* chatlines. It's something that I really think I could do to get a few extra pounds. I have PM'd a couple of people that mentioned it, but haven't had a response, so wondered if anyone else knew about it. ;) J
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Dilemma!
Hi All Ok, heres my problem. I have 4 small(ish:eek: ) debts, which are with Moorcroft. A collector calls every week for the payments, which are - Lloyds cc - £10pw balance £29 Citi cc - £5pw balance £734.17 Welsh Water - £5pw balance £523.69 Next Directory -£5pw balance £318.75 I can clear the lloyds balance this week,…
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What would you do...
With £210/month, if you were me? Without going into a full SOA at the moment, the situation is this: Next month I finish paying off my car loan - £210/month. Obviously I don’t want this money to get spent on beer and take aways.:beer: I have an egg money card which is sitting at £2100, towards which I pay £300/month. This…
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How can I change this habit?
I seem to havre trouble with small amounts of money not being big enough to do anything worthwhile with. For example if I had £10 left at the end of the month I feel i should pay it off one of my debts. But it's a small amount and sometimes my debt feels sooo huge i just think "£10 is so small compared to my debt it's not…
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Part time job working from home?
Hi all. I know Im prob aaking the question that everyone wishes to have the answer too, but thought I would try in case anyone had a bright idea! :rotfl: Im looking for some part time work that I can do in the evening working from home, to make some extra cash. Any ideas? :confused:
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How much have/will you spend Tuesday 17th April???
:hello: Hi all, looks like it's going to be a nice day here! Off in a bit to an interview so wish me luck!!! Need to break into a £10 to get change for parking so will buy my can of coke next door - 65p Other than that no more spends!!!! :j Keep it low! Catt xx
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Is This Harassment???
I posted on here about ten days ago. I have a debt which is a couple of years old. I accrued a debt with a child care establishment which they passed to a debt collection agency. The minimum payment they would accept was £20 per week and I struggled to meet this and admit to missing a few. The debt company subsequently…
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My SoA
Right I have created an SoA I think I have covered everything! Incoming: Salary: £1,044.58 (average) Total: £1,044.58 Outgoings: Rent: £200.00 (I live with my Mother so this includes food, gas, electricity etc) Sky: £7.50 Mobile: £25.00 Car Insurance: £63.40 Petrol: £80.00 Savings: £80.00 Film Rental: £7.99 RAC Cover:…
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Advice Urgently Needed, PLEASE!!!!
Hi, First of all, HELLO :) I must say how much of a relief it is to see that I'm not alone with my debts problems and that there is a place such as this where people can ask for advice and not be judged or humiliated. Hopefully someone will be able to offer me some advice or answer a couple of my questions. Please bear…
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DMP's
Hi I just need some advice. I currently owe around £49k on Cards and bank loan. I haven't been able to pay my cards for a couple of months now (loan is being paid tho). None of the CC company's have listened too me or gave me advice, apart from Virgin who put me through to Loans.co.uk, who can only lend me £35k to…
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An announcement for my DFW mates!
After my self absorbed slump the other day (http://forums.moneysavingexpert.com/showthread.html?t=422622) I have some good news. HE DID IT!!!!!! I'M ENGAGED TO BE MARRIED!! :j :j :j Best 30th birthday I could ever have had. :D Now watch me plan that wedding DFW style. I'm off to read the epic thread.... ;)
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DMP - having a panic and wobble
I have been with payplan for 2 months now and I thought all was going fine until yesterday when I received letters from a number of creditors demanding payment. Barclays even sent a termination notice and have decided against accepting our payment offer. I'm really worried now and I'm not sure if we have done the right…
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17.4.07 what small dfw thing have you done/will you do today?
Hello everyone - I'm back. Thanks for doing this thread yesterday. Let us all know what small steps you are taking each day to become debt free. You may have previously dismissed these as being insignificant, but they are the things that are forming good habits, which will allow us to become debt free, and to stay that…
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Another one bites the dust ......!!!!
Well, thanks to some good ebaying this month and some unexpected cheques arriving ... we have managed to pay off another debt in full :A :D Bye bye LX Direct :T Hello a closer debt-free date :beer:
