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Car Tax Savings Stamps ???
Just read somoene saves these. Our car tax is due end of the month - is it possible for me to now start saving the stams to pay for the next lot ??? Also is this savings scheme for old people, benefits, etc only ??? Thanks for any help - I am just trying to plan ahead :p T xx
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Reduced fee settlement? Any experience?
Hello there, I currently have 3 creditors who I owe about £6,000 to after some silly mistakes when younger (uni etc). Because of interest I joined a debt management agency (Gregory Pennington), who distributes my £150 a month (keeping £20 for themselves), after freezing interest on the accounts. At this rate, I would have…
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Timeline for Full & Final Settlements
Hi everyone! Love this forum I have learnt so much from you all since I joined! I am hoping to be in the position to be able to offer f&f offers to my various creditors shortly and was wondering how long you guys that have experience of F&Fs took to negotiate to the amount you wanted to get? I wonder when I should start…
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How much have/will you spend and sunday to friday challenge - 29th april
good morning dfw's!!! this'll be a very quick post as I'm working at 12 today and need to get brekkie/lunch before I go! well last week I went way off budget due to a trip to bnq with my dad, all 'essential' type stuff for finishing my house though...meh, so unsurprisingly I'm in the red again :mad: am not going to make a…
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Is this is daft way to deal with my debts?
I have just set up a new account with A&L (through Quidco). My employer allows me to use two bank accounts for my salary. I havnt moved any direct debits yet. Reason for this was I was planning to leave these with the other bank. Plan is to use the A&L account for my every day money - petrol food socialising etc. I htink…
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Natwest Charges
Hi All I just wanted to say that from this site I have successfully reclaimed £639 from Natwest in charges. It has taken 8 weeks to do and they responded yesterday to the second letter template from this site so I didn't need to take it to court. If anyone is thinking of doing it from Natwest and they have only recently…
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Loads of debt, help please!
Well this is us: (all monthly totals) In DH earnings: 1670 after tax My earnings: ranging between £500 and £1000 (new business) Child benefit: 116 Child tax credit: 46 Total: 2332 - 2832 Out Mortgate: 837 (repayment) Council tax: 97 Gas: 50 Electric:19 Water: 30 Phone: 20 Sky: 24 Childcare: 101 Car insurance: 50 Life…
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Payplan
Hi, I am new here, if you look on the loans section, you will see my problem. This is all very new to me and I am looking to get things straight as soon as I can. I have noticed people here have spoken about Payplan and CCCC. I looked up Payplan and noticed a number of sites, is Payplan a method, rather than a company ?…
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29.4.07 what small dfw/mse thing will you do or have you done today?
The sun is shining still :j 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 be…
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Goals for the week - 29 April 2007
I haven't seen this thread for a LOOONNGG time but always liked it as a reminder and motivator. Here's the most recent one I could find http://forums.moneysavingexpert.com/showthread.html?t=319743&highlight=goals+for+the+week and there's probably something more recent but it's too early on a Sunday morning to search…
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Too Good to be True ??????
HI Basically my story is this, we are 98k in debt and on tuesday this week we will be signing a Trust Deed (your equivalent of IVA) i think. We had our IP come round and gave them all the relevent debt paperwork and details of income. The thing is, hubby is in the army and his paystatement shows a net figure after taking…
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Small Steps!
Another step nearer being organised yesterday, sent my SOA to BCW re a debt of £1171.26, accrued when I was married, and they have rung to accept my offer of £15 per month, which is great!! Another 9 to go, have a total of £100 per month to service my debts, none are credit/ store cards, and there is no interest being…
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Help with Debt & Death
I was hoping someone would be able to give me some advise, My Brother has just died and i have spent all day going through his paperwork to find he has been living above his means, he has a £45k Mortgage o/s but i have managed to find an endowlement policy for £45k which hopefully will cover this, however i have also found…
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Payplan.. the future
We have recently gone into an agreement with pay plan and currently paying out creditor a bit back at a time. what happens in the future as currently we will be dead and gone by the time they are all paid up. Does this mean we are in this till the end or is there a time when its finished. PS I advise anyone that has any…
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From Chaos to Eternity
In three little months time I'm going to bo 30! :eek: I always had certain ideas about what things would be like when I hit the big 3-0. Its safe to say that I never imagined that I would turn 30 with shedloads of debt, a cluttered disorganised flat, chain smoking, a body like a wobbly blancmange, a rubbish wardrobe and…
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Updating my CRF as I've got my IVA completion!
As the title suggests, Ive just recieved my IVA completion certificate. I'm wondering what I need to do next, like update my CRF and how etc?? All and any help is greatly recieved! Thanks!! :T
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Uh Oh We're In Trouble!
Hi Everyone, I'm relatively new to this board, I've sat and read threads constantly and have been too scared to put on my SOA. My husband and I got married in January 07 and stoopidly didn't try to clear some of our debt beforehand. The debt is split below between mine, hubby's and joint although we throw money at each…
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Is This Forum Too Successful And Popular
I love this site but how often do you want to follow a posting?thread and it has gone to page 6 million before you wink your eye
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Do i get myself Trusted
Hi there new to the site and have been taken in by how helpful you all are. I have got myself into a wee bit of debt with one credit card company and its went to the debt collectors (three in total so far), i went to my local Citizen Advice Bureau and after a while they had an insolvency administrator come out to see me…
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Calling all parents
I've just some across this thread and thought it might be of use to people .... http://forums.moneysavingexpert.com/showthread.html?t=291626 Needless to say I've already contacted my tax office!
