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Credit Report - Going Home In Ten Minutes Please Help!
I have paid off two credit cards, on average how long does it take to show a zero balance on my credit report? Thanks!!
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Egg question (not involving a chicken!)
Hi Just checked OH's egg account, - we took out a loan and cut up the card, however it is saying that the egg cc is in cr £113 - how do we get this money as it would come in useful to throw at the loan or into our savings? any ideas please - thanking you muchly SFx
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Becky's Debt Diary-need to keep on the straight and narrow!
I’m going to start a daily debt diary because I’ve had another lightbulb moment today. I had a lightbulb moment in the New Year but I’ve let things run away with me again and can see that I’m on my way to racking up more debt on my HSBC card by being lazy and not making my sandwiches and wasting money at the canteen at…
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What would you do???
Just wanted some other prespectives really. Hubby and I are with payplan and have approximately £36000 worth of debt that we are clearing. With our payments staying the way they are we will be debt free by April 2012 so only 4 years. We are likely in this time to have pay rises & bonuses so could realistically pay off all…
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Where do I begin?
Hi everyone :hello: I'm a very new DFW to this site, and while I don't know a great deal about money saving, I do know why I am in this mess. Both of my parents (divorced when I was 10) were terrible with money, spent it the second they had it and sadly never had anything to show for it - both were alcoholics and smokers,…
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Not Enough Posts On The Debtfree Roll of Honour
I dont know about all of you but I find it very inspiring when someone posts on the Debtfree Roll of Honour and I check it every time I come on line to see if there's anyone new. However, there hasnt been a post since 4th April when Emmzi posted and I am sure that this doesnt reflect the true state of the Debtfree…
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Will some people ever learn?
Just been talking to my old boss from my last job. Just before I left he told me about his debt problems so i helped him with the usual stuff (SOA, Budget, Shuffling debts to the cheapest options he could get, Snowballing) Everything seemed to be going well but he's just proudly told me he's consolidated his old debts…
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Advice on opening a new bank account
I currently have a £900 overdraft which I use every month. I am slowly trying to pay this off, I think I should be able to take at least £100 p/m off it so it should be gone in 9 months. I am currently with the halifax who are charging me about £6.00 p/m interest on my overdraft. Just wondered if it would be a good idea to…
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Npower smart plug???
Just reading the paper while on lunch (and surfing on here) and saw an Npower advert. You get a free 'Smart Plug' that turns off your TV (and other things I presume) if left on standby when you sign up to them. Do these work and can they be bought elsewhere? Model is Power Safer PS 3.x? Catt xx
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Aren't friends great!
Have just had a phonecall off 3 friends. All of whom have cleared out there lofts for me as im doing a carboot on sunday. They want me to have there stuff to help me along my way. Its made me cry. i haven't asked them to do this its just there way of supporting me they've said. I feel very lucky and wanted to share with…
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Newbie considering IVA?
Hi all! I've read so many posts I feel I know some of you already! Well, after realising the extent of our debt, me and my hubby did a debt remedy on CCCS website. That has recommended we do an IVA - which I have an interview arranged for monday evening to start arranging the IVA. I felt really happy as this seemed an…
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'Bank charge' - reclaiming ALL puniative charges?
Hi all, The bank charge thing got me thinking - the reason the charges are illegal is that they are designed for profit, not to reflect the actual cost. Now surely this doesn't just apply to bank charges - it could also apply to clamping fees, witheld deposits eyc. What do you think? The reason I ask, is that due to my…
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Bit fed up - need virtual kick up pants!
Why are so many of us so down at the moment. My life seems to be going t*ts up. Me and OH are at odds constantly - after twelve months of fighting the good fight together, we seem to have settled on different paths financially. Whilst I am glad to be here, with a home, enough money to feed us and keep us warm, he feels he…
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TNS Surveys
I have been offfered the chance to fill in market research / surveys for TNS, my info arrived today and you get 250 points for each submission, I live on my own therefore it will only be me providing info, the points needed to get vouchers etc seem really high. I was just wondering if anyone "works" for TNS and how long it…
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You've Gotta Love RBS!
The lovely people at Tesco Loans have just sent me a letter offering me a top up loan! :j They must have noticed that payment number 43 of 84 has just come out so they are offering me 'a new loan that could pay off my existing loan and you'll continue to make just one simple monthly (shouldn't they put affordable in here…
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Being a DFW - has it affected your weight?
Hi everyone As a new DFW I am wondering (hoping:rotfl: ) that my goal of being a DFW will also mean I lose weight - eg. no more buying lots of chocolate because I am depressed about the bills and CC statements. Now, I must admit that chocolate is in my calculations for weekly grocery spending, but only a small treat each…
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Cap Quest
Hello, I posted on here last week regarding Cap Quest Recovery. I received 2 letters from them on Saturday. One came from Fleet and one came from Bristol. These addresses were on the back of the envelopes, but both letters had Fleets address at the bottom. One letter is a Income and Expenditure form and the other is…
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budget cal
Any idea if a budget cal is out and about for week by week?? I've used the cal from here and im in the green every month by £200, but id like some cal to help me out with what i should put away every week. Ex - my partner gets paid wkly and we just put away the past 2 wks into our online saver so we knew we had the…
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Fallen off the DFW wagon - getting back on - anyone want to join me?
Well I fell of the wagon in spectacular style over the past two weeks, ashamed to admit spent £200 :eek: , admittedly on some items such as clothes and shoes for DS1 as badly needed but the rest on items for myself which I didn't need:o So, just back to work and today is a brand new day, have just clambered back on the…
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Car nightmare
I financed a car in october 2005, and wound up paying just shy of £200 a month. This was after i waved off all the optional extras, it was a 4 year payment plan and id never missed a payment. Well till i wound up unemployed, i ran off £500 on a credit card, £1500 on an overdraft and wound up missing the odd payment or two.…
