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Rule 78 - are stuck with it?
I am desperate to be debt free, right now I am coping with all payments. I want to settle a loan early (75,000) but I know I will be hit by rule 78 (as per terms and conditions). The loan company is First Plus - any tips or strategies to get them to agree not apply rule 78 or are you just going to tell me to hang in there…
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I need to stop wasting my life and money!
Hi all, I'm 24 years old and I live with my partner who is 24. We have lived together for 6 years now and have spent and spent and spent. Looking back when we first bought our home everything seemed so much easier. If we did'nt have the money we did without. Then after been in the house for a while you are offered credit…
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Arrrggghhh Council Tax Liability Order - don't owe a penny!!!!!!
I have recived a letter from the local council saying I have a liability order for a debt of £129.17. This was a property I sold in February - I notified them by phone at the time, then by letter in March when a summons was issued. Now I have a liability order and they are threatening bailiff action!!!!! I have drafted a…
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Message For Roswell
:j DID WHAT YOU SAID PHONED RETENTIONS AT VIRGIN MEDIA AND YOU NEVER GUESS WHAT, THEY OFFERED ME THE SAME PACKAGE THAT I HAVE NOW FOR £19.95 A MONTH A SAVING OF £23.05 A MONTH :confused: THE PRICE OF MY OLD PACKAGE WAS:confused: LINE RENTAL £11.00, TALK 24 £14.00, BROADBAND 2Meg £18.00 THAT'S £43.00 A MONTH NOW IT'S JUST…
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What Have You Done Today That is DFW Style? (Monday 16th April)
Hello! Not sure where hypno is and I couldn't see this thread so thought I would start it. So - what have you done today to save a few quid or even a few pennies? I've been quite naughty and spent some money however in an effort to offset it, I have: * Got a lift to & from work so no bus fare * Took HM lunch to work *…
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Baliffs unsure what to do
last year at the end of the year we had a outstanding amount for our council tax of £490 they sent us out a form to fill in and return offering a payment plan this we done however i have got home this evening to find a hand delivered letter from a baliff for the £490 outstanding + a £24.50 fee for todays visit. i dont…
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Debt Free By 30 Challenge!
Hello everyone It's my birthday on Wednesday next week (25th) and I have therefore decided to set myself a new challenge. I will be 26 and I want to be debt free by the time I am 30. I know it sounds like a long time but I am in quite a bit of debt :rolleyes: . Here's a little round-up for people who don't know me & my…
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Which Credit Ref Agency?
Info Required Please, all answers greatly appreciated. Any ideas which of the credit reference agency's the Coventry Building Society uses. I'm sure that the last time I checked the table of credit ref agency's said that they used equifax but on checking this evening the Coventry is no longer listed. The reason I ask is…
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Mackenzie Hall
Hi everyone, I'm new to this site so please excuse any mistakes :) I received a letter from Mackenzie Hall about 1-2 months ago claiming that I owed £90 on an unpaid debt. They did not say what this debt was for. Anyway, I just ignored it. I have now received another letter off them with a final offer of paying this debt…
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SOA, CCCS, feelin terrible!
Hi everyone This is my first post, so I hope it's ok. We have 7 children aged 15-1 and I had to go into two of their schools today and tell them that I can't afford to send any dinner or pay for any meals this week. It is something of a low point! Anyway the schools have said no prob, they'll feed em, but I just feel so…
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Overdraft bank payment
I'm currently £750 overdrawn, most of this overdraft is charges, after my mum statrted her ball rolling she pulled me along and I did the same, am I likely to get my charges back even though I'm overdrawn!
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10p listing day on ebay thurs 19th April
Just a heads up for anyone thinking of ebaying this week. I was going to put a few more things up, but just noticed this so will hang off til Thursday. :j
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36k bank charges back WOW
See more here http://news.bbc.co.uk/1/hi/business/6559673.stm I guess if he can do it anyone can! chev
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CCCS - am I doing the right thing?
Hi everyone - a newbie here. I have for the last 6 months or so been paying £124/month to the CCCS to pay off my approx 32k debt. I have a wife, kids and home and I am concerned that I am doing the right thing. I have just received a letter from Cahoot stating that they will place me on a blacklist in a few months due to…
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My SOA
OK, don't know if I'm doing this right! Expeniture (monthly) Mortgage £523 Council tax n/a (not living in mainland) Childcare £25 Water £12 Gas £24 Electric £28 Car insurance £21 Car tax £8 Fuel £50 Food £100 Other £20 Clothes £10 Broadband £12.50 Home phone £10 Mobile £5 (PAYG) Total: £848.50 (without paying debts)…
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New updated SOA advice please
Hi, further to my post http://forums.moneysavingexpert.com/showthread.html?t=428413 I am trying to sort out the rest of my debts, if i pay the £1200 off this month it will leave me with actual debts of £918.00 or credit debt and about £1000 to the council for backpayments (they mucked up my housing benefit). What i was…
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loan help needed
i am looking for a loan, recently got accepted for a rented propety passed credit check got a mobile phone passed credit check and just before xmas got a vanquis credit card, i am after a small loan of about 1500 i have tried my bank but they turned me down, my credit rating needs improvement i make late payments ( i…
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Reward sites advice please
Hello, I'm totally cheesed off with Ipoints, after chasing them for 2 months for points they owe me they have the cheek to tell me that I never took the offer up in the first place.:mad: I'm not sure why they would do this but I have the credit card in my purse that I took up through their website and I took up a free…
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Sorry state please help
My SOA Below is a rough template; Monthly Incomings: My salary - £2,100 Partners salary - £500-700 depending on hours Benefits - £100 MOD pension £500 Rent £500 this is form our property in the South which we cannot sell for the asking price of 170000 so we were adviced to rent it out Total - £3600 approx Monthly…
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E-bay virgin!!!
I'm looking to sell on E-bay for the first time. Bought quite a few things over the last few years, but always been too scared to look at selling! However, lots of people mention it on this site as a way to make some money and I think I've got some stuff/junk that I may well be able to shift. Has anyone got any tips or…
