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Unopenable money tins
I remember having one of these when I was a teenager - it was like a bean tin with a moneybox slot in the top designed for saving £100 - with a little box to tick every time you put a pound in, and it could only be opened with a tin opener. I used it to save my Reading Festival ticket money then, but it seems like it'd be…
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Bankruptcy Versus Voluntary Arrangement.
I have completed all of the necessary details with the Consumer Credit Counselling Service. They recommend bankruptcy but say that a voluntary arrangement is an alternative. I would prefer a voluntary arrangement because I am just beginning to make a bit of money on eBay and I would like to retain a bank account and PayPal…
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Debt free by December?
How many of you had a new years resolution to clear all of you debt? Me and my boyfriend did... and its almost August now and we are hardly any further down the line due to some minor set backs such as him losing his job and me being on such a low wage, meaning more outgoings than income and resulting in a huge amount of…
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Need advice
Hi everyone, I am just looking for a bit of advice. I have debt from an old overdraft that the bank tried to force me to pay when they closed my account because I reclaimed charges back from them. I am not in the position to pay this and told them this but they passed it on to debt collectors and a solicitors. I used…
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I need a new car - please help me avoid credit!!
I'm cheating a bit since I'm not *technically* a DFW anymore but you all give such great advice so I thought you'd be the perfect bunch to put my quandry to. In a nutshell, I need a new car. My old faithfull ain't so faithful anymore and it's not worth doing any more repairs on it. The tax gets renewed tomorrow so OH and I…
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Any advice gratefully appreciated
Hi. I'm struggling to see the light regarding multiple credit card debts, anybody wise to shuffling or balance transfering may be able to advise me? I currently have: 1) Egg Card with £2,100 on it, limit is £2,200 2) A&L M/Card with £4,500 on it, limit is £6,500 3) Amex Platinum with £3,400 on it, limit is £4,500 At…
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it doesn't make good reading
Hi all, This is the first time i've posted on here. I have just tallied up all of my debts and now owe £43000 on cards and loans. I have no equity in my home and am living on credit. I am not in arrears with any of my creditors and my credit score remains healthy. But i have long passed the point of being able to sort my…
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local legal services ltd
Hi, recieved a card through the post today from these people with the verysimple wording: "I confirm I will be calling on" then handwritten "wednesday" "signed" M.McCall not sure who Mr M is, but local legal services ltd seem to share an office with Computerised debt collection agency who are after us for £60 from books…
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6 year old debt question
Am i right in believing that once a debt is 6 years old it goes away so to speak? I don't know if this counts for me. I have a student account I opened when I was 18 at the abbey, and got a £1000 overdraft, this Sept it will be 6 years since I used the account, so what does this mean. It is registered at a previous…
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Happy Birthday Anniestar!
HAPPY BIRTHDAY TO YOU HAPPY BIRTHDAY TO YOU HAPPY BIRTHDAY DEAR ANNIESTAR HAPPY BIRTHDAY TO YOU.
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30.7.07 what small dfw/mse thing will you do or have you done today?
Good Morning fellow DFW Peeps and welcome to a new week, old timers and newbies alike :hello: When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have…
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what have/will you spend monday 30th july 2007?
sorry its very early but i am up for work early again :mad: last day before a day off :j keep it low all and take care :A
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Moving Abroad?
Hi, I totally think this is the wrong place to put it but I'll try anyway! I'm 23, and looking to just completely emigrate to America and start afresh there. Currently in the UK I have a bit of debt which I'm working hard to clear and obviously a not so good credit rating. If I move abroad, is my credit rating starting…
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Problem with insurance cancellation
Not sure where to post this,but thought here would be best ;) DH had a motorbike insurance policy with Bennets insurance for 3 years,he sold the bike last month and had just under 4 months left to run on the insurance,when he phoned to cancel the insurance,they said there would be a £30 charge :confused: we had paid the…
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My SOA
There are two of us, but i'm the only income earner. Take Home Pay: £1043.09 Mystery Shopping: around £100 a month. Rent: £303.33 Council Tax: £98 Water: £27 Tv Licence: £30 Gas: £26 Electric: Nothing at the moment as i have a £200 credit with them. have last week switched companies for both though. Internet: £14.99…
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I feel so fed up I don't know where to start
Actually that is not true really or I would not be on here would I? On Wednesday OH starts a proper job. He has been self employed for 12 years and our income has always been of the feast or famine type. Next week he starts a job which he intends to stay in until he retires in 5 to 7 years time. He will be earning about…
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August Clear a Debt Challenge!!
Hi everyone I thought it was time for a new challenge. This is a short one, just a month. I am plodding on with my debt clearing but I crave a £0 balance!! I want to be able to call a company and tell them to shove their card/loan where the sun doesn't shine!! Therefore my challenge is to clear my pesky little Barclaycard…
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SOA - starting again
I haven't posted on here for ages though have browsed a little. When we renovated our house last year we ended up in a bit of debt (together with an existing car loan) - I started well on budgets, meal planning etc but have lapsed rather badly of late :o . So have decided need to start posting again for motivation! We are…
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Advice Needed: Lloyds TSB Refinance
Hello. Was just wondering if any one here who's on a DMP has had any issues with Lloyds TSB trying to force them into a 'Refinance Package'? Myself and my partner are currently on a DMP with the CCCS and so far it's only Lloyds who are giving us any trouble. They appear to be denying any knowledge of us being on a DMP and…
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what have you spent sun 29th july 2007 and moozies weekly challange...
last weeks thread ~ http://forums.moneysavingexpert.com/showthread.html?t=508316 welcome all... I hope you have had a great week and kept it low... and are you ready to be turned red/green? Everyone can join, just post a target in keeping with you/your debts/your spends, don’t worry about everyone else’s budgets. Then each…
