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DMP and Mortgage?
Hi all, Thx for the advice everyone has given me so far:cheesy: Im 99% certain that im going to enter a dmp with payplan, however i was wondering if this would effect my mortgage?? My fixed rate is over next year, would having a dmp effect me getting another fixed rate?
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SOA, what am I missing? Anyone help?!!!
Evening All, Hubby and I are determined to tackle our debts head on next year....and for the foreseeable future!.....I have been going through our SOA and have started to put a few changes in place but I can't see any others. Could anyone possibly suggest some further adjustments to help us cut our debt? any help…
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What is QUIDCO?
What is QUIDCO? How does it work etc? Thanks
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I've got to get through this!
Hi I've been away from the boards for a couple of weeks now for a couple of reasons (mainly OH being home and enjoying myself too much!). Its given me chance to take stock and has renewed my enthusiasm to get debt free! I thought I'd start my own sort of debt diary thingy here to map my progress and keep my enthusiasm up a…
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Personal Finance Classes
Hi, I was wondering in anyone thought there would be a demand for classes in personal finance in their area or if anyone knew of one that already exists. The OU has recently started one. Let me know what you think. I have also included a voting poll.
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Very New Newbie
Hi all Have been lurking here for the last few days and have found out a lot of useful stuff and information, but thought I'd register and post a few queries of my own that I haven't been able to find answers for. I've had a little wobble on the employment front in the last couple of months - now sorted, and start new job…
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How to deal with MBNA
I have been trying since May to organise dmps with my creditors with eventual success ,except for MBNA who do not respond to any letters I send and continue to charge etc. I have continued sending the reduced parment I have offered , but of course the debt is now growing. Yesterday they left a horrible answer phone message…
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Credit Score Going Down - Experian
Hiya, I split from my boyfriend in June and we had to give up our rented house. I moved to live with my grandparents. Anyway, it meant I went into my overdraft something I haven't managed to escape (plans for doing that after Xmas). I was really silly with my money as a student, but grew up and got it sorted. I just…
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Help with Nectar Points
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moozies weekly challenge w/c 25th november
Last weeks thread ~ http://forums.moneysavingexpert.com/showthread.html?t=600031 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…
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Updated SOA
My SOA Income: My income £950 OH Income £0 Total Income £950 Expenditure : Mortgage £612.43 Unsecured Mortgage £83.44 (taken when we got mortgage to clear loan) Water £12.22 (we pay £70 every 6 months so i averaged) Credit Card 1 (V) £50.00 (min pyt is £25) Catalogue £44.00 Credit Card 2 (SP) £50.00 (min pyt is £30) Credit…
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desperate SOA
Hi my husband and I have reached breaking point with our financial affairs. We have been juggling for so long now it has now become impossible. ANyway have listed it all below. May I point out that this is a real issue as my husband changed from being a contractor and earning £8000 per month to being permanent on Monthly…
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Yorkshirechick's Diary -Trying to get ourselves sorted...
Hi, My names Claire and I'm 26 and live with my lovely fiance Pete, and our dog and 2 cats. I'm 7 and a 1/2 months pregnant, and am starting 9 months maternity leave in 2 weeks. We originally wanted to save 3k so that we could use this to tide us over while I'm on maternity leave, as I'm only on full pay for 14 weeks, and…
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24.11.07 - What DFW thing have you done this weekend?
Things for today so far: Received my £5 Asda gift card in the post (the Flora offer from ages ago). :T Decided to start wrapping up my Xmas presents/tidy (well more like shuffle about stuff) my built inwardrobe at the same time. Have wrapped: sister 1's present sister 1's fiance's present sister 1's fiance's birthday…
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Another debt bites the dust!
Just sent off the cheque to repay my sofa loan. :j This leaves me just owing my mum and my mortgage, I'm moving house in 3 weeks and may have a bit of spare money after this to reduce what i owe my mum so fingers crossed the end is in sight, except the mortgage that is but i'm going to work on that. A huge thanks to…
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County Court Summons - Mortgage Shortfall - Advice Needed Urgently, Please Help !!!
After wife left me in 1996 house was repossessed beginning of 1997. As far as I can remember there were some arrears dating back to 1995 which we were trying to pay until the point wife left me. I have not heard anything from Halifax all these years. Now they sent me via their solicitors County Court Summons for shortfall…
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Urgent Help. Today Please
Hello, I am in serious debt (£56k + Mortgage) I have recently got my head out of sand and making an effort to understand an get to grips with debt. When I wrote everything down I nearly had a heart attack. I put together a letter to all my creditors asking them to write-off my debt as at the time I didn't think things…
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Can you explain Quidco to me please....!
Hi all, Just joined Quidco after one of you mentioned it in my DFW post yesterday. I'm currently trawling though looking for cheaper home insurance and had a good quote from Nationwide, through Quidco. How does it work? If i buy the policy do i can the £75 cashback Quidco state or does this add up or do i have to do…
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Any suggestions gratefully received! SOA
Hello, I have been looking at this site. for a couple of months and sat down today and finally worked out my outgoings etc, seem to be ok on paper but dont have any money left at end of month Income £2295 Me £975/month Partner £330/ week, monthly about £1320 Outgoings (main ones) £1609 TV licence £13 Council Tax £131 Car…
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New Year MSE Challenges.....
Hi Everybody. I was just wondering if any of you MSE's out there had any ideas for challenges for the NEW YEAR ???? I have missed most of the challenges this year as me being a newbie, but I am involved in the £2 pound savers club.. So guys any thoughts ????
