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why you should read your meters
Hi I thought i'd share with you all the huge saving I've made on my electricity bill this morning. My bill came this morning, we only have electricity in the flat for heating so its higher than most. The bill was estimated and came to £458 ex vat, I read the meters and it was significantly different, um handy for the elec…
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CCJ help
My friend has just rang me in a panic, she has received a county court judgement in the post this morning and doesn't know what to do because she can't afford to pay it. She has never received anything from the court before and she was unaware the company were going to get a ccj against her. She has been ordered to pay the…
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Experts needed please - new person's SOA.
Hello! Experts needed - I am on my way now but a friend needs help - Please can you have a look at her SOA: Income: £660 wages £90 other income (fairly regular, every month) Outgoings: £360 rent £6 son pocket money £55 bus pass (monthly) £40 vodafone bill (contract, can't change for next 12 months) Total left: 289 I don't…
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IVA or Not 20k Debt
Owed To Amount Monthly payments Egg £11,234.00 £236.00 Virgin £3,200.00 £123.00 Halifax £1,813.00 £60.00 Lloydstsb £761.00 £60.00 RFS £3,100.00 £125.00 TOTALS £20,108.00 £604.00 I bring home £1163 per month.. I also have £45 for phone bill and £28 car insurance. I transfer £400 to another account and I get my petrol from…
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5.4.07 what small dfw thing will you do/have you done today?
Good Morning everyone! I hope the weather is fab wherever you are. Let us know what small steps you will be taking today on your quest towards being debt free - these may be things like taking a packed lunch to work or charging your phone at work instead of at home etc Every little helps, as Mr T says, so be proud, and…
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Easter Weekend - DFW Stylee!!
Hey guys, how are you all? Its almost hometime on Thursday for me & I thought I would post to see what your plans were for this Easter weekend... How will you be celebrating? Pushing out the DFW boat? Or do you have lots of fun & free things to do? I have to say that I HATE long weekends - did when I was in debt (although…
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Im new here hoping to find a way out
Hello , My husband and i have got our selfs in a sticky mess and have finally reallised enough is enough we dont have much coming in low income family here husbands wage is 550 my wage 110 tax credit inc working tax credit 460 160 child benifit x 3 kids seems on paper enought to cope but its not. I have a problem with…
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Quidco Cashback? Paid but I don't have it?
Hi, I have a quidco account which I have been using for a few months now. I set it up to pay straight into my bank on whatever day they do it (last day of month?). Looking at my earnings part it says there was a payment made on the 31st March to my account, but this is not in my bank account (Abbey), It definetely says…
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Paying off an overdraft
Some advice please, My partner has a £2000 overdraft which we have been living off for the last few months as when he wages goes in it just about covers it but then we end up using it again, it seems like a never ending circle. I suggested to him opening another account, with different bank, with no overdraft and then…
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I Want To Do A Fitness Course But Don't Know Where To Start!
I know this is totally the wrong board for this but sod it! :p I want to go back to school :eek: to do a course about fitness/health etc but I honestly don't have a clue where to start or where to look! :undecided Anyone have any knowledge of the education system or anything that could point me in the right direction?…
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SOA from a newbie
My salary - £950 Partners salary - £850 tax credits- £682 (going down v soon) Child b - £102 Total £2584 Monthly Outgoings: Mortgage - £586 Secured loan - Nemo (12%) - £200.99 Council Tax - £89 Nursery/after school for 2 £688 Gas - £40 (prepayment) Electric - £40( prepayment) TV License - £24.99 Virgin Media…
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DMP, Overdraft & Joint Account - help pls
Hi all I've recently entered into a DMP with payplan who have been great. I've entered into it in my name only as all the credit was mine and me and hubby are splitting up. However, we have a joint account with the RBS which is overdrawn by £1000 ....... the bank have now written to hubby to say they're withdrawing the…
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Reposessed 7 yrs ago
Hi all I am new to these boards so please go easy on me.I was advised by someone to ask advice on here so here we go. Due to a relationship break up seven years ago my house was reposessed.My partner at the time had left us with arrears on the mortgage(which she told me was getting paid).When we split and i found out,i…
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CCJ - OK if immediately satisfied???
Hello one and all! Got a 'situation' I need some help and clarity understanding... My girlfriend is being taken to court by her ex-boss who claims she owes him money for work not done (a very simplified account of what actually happened!). I understand that if she is found liable and has to pay, she is given 28 days to pay…
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Thanks
Just posted a question on loans page and then had a quick search about topics of discussion. I don't want to sound patronising but its so wonderful to know I am not alone in the awful worry of constant debt and trying to keep your head above water, your kids fed and a roof over your head. I'm feeling really low at the…
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Am I Too Hard on DD ?
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Oakdale Minx? What's happened?
Does anyone know where she is and what has happened to the thread? Have I missed something here??!!:confused: Bunny
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My SOA
Hi All, Thought I'd do one of these, see if you can give me any hope!! ;) Debts; £19048 - Egg Loan - 6.6% (with 5 years left from an 8 year loan) £1950 - Barclayloan - 7.9% £1900 - Barclays Overdraft £450 - Smile Overdraft £14340 - MBNA Platinum C/C 0.0% currently, but runs out in june £480 - MBNA WWF C/C £100 -…
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Hello stangers, I've got interview tomorrow..
at 9am and I'm kind of nervous. I'm keeping all my bits crossed.....can you?
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Nationwide Loan - Changing Monthly Payment
Here's the scenario: Loan of £11,733.49 @ 6.40% over 7 years Total amount payable £14,502.60 Monthly payment £172.65 - First payment taken March 2006 Can I increse my monthly direct debit amount or will there be a charge for this? Will this mean I'll have to pay early repayment fees? Paperwork says that early repayment…
