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Credit Card on a DMP??
I have just entered into a DMP with CCCS. I also have a credit card with £0 balance. Now, realistically i going to cut this up/put it away/give it to my OH but would i still be able to use this whilst on a DMP. Just thinking out loud really, truthfully i will probably just cut it up as i cannot trust myself.
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There's a hole in my pocket, wallet and bank
Filing my bills and statements tonight I decided to total up the interest charged on my CC so far this year £892.38:eek: has sure concentrated the mind. Not evening going to day dream about what it could of been used for * note to self * no more borrowing:D
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Foreign account overdrawn
A couple a years ago I lived in Germany for 15 months. I left the country unexpectedly. I had a bank account over there which I left around 8000 euros overdrawn. I wonder where I stand legally with respect to this debt. I have since moved again within the uk and the German bank no-longer have my address details. Can anyone…
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Free bingo?
does anyone know any bingo sites where u get free real money..without making a deposit??
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just a bit of good news
Hi folks, well, paying attention instead of watching terrible saturday night tv has saved me some good money, about £35 a month. The offer rate on purchases has ended on my M&S master card, and so I did some research and serious tarting, moving £2800 which was at 18.5% (commencing this month) to the goldfish card as…
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newbie but loving the website and all the fab tips!
hi all im new to the site and just wanted to say hi. Ive been in debt for as long as ive been working. Ive been with a debt management plan twice in the past but once ive paid for a year or so ive been offered credit again and stupidly ive taken it and got into trouble again. It took my husband telling me that he would…
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My Statement of Affairs
Hi All, I've been trying to sort out my finances for a while now and I'm getting nowhere fast. I spent about 18months spending more than I earnt through a bizzare series of events and for the last 6 months after I moved in with my patner things have settled down, at least now my outgoings are almost exactly the same as my…
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What should I do with this 250 pounds??
Hello, Happy Saturday night:D I have got my hands on 250 pounds, but I am unsure what debt to throw it at:confused: I am ITCHING to pay off my MBNA loan as this is on an arrangement with them and I want to get rid of this soon so when I graduate i can get a mortgage But then, something tells me I should throw this at my…
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help extra income
i have been looking for a work from home job i got so much time on my hands as i am sat at home waiting for a transplant .i would love to do some thing making assebling etc does ne1 know were i can get this before i give up
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What DFW thing have you done this weekend?
I couldn't see this thread so I thought I'd start it. I've not done much at all today. Posted Ebay item I sold on Thursday evening. Found 1p. Used my free Sun voucher for The Sun. Cut out a few magazine coupons I'll hopefully use tomorrow. Will do my clicks before bed.
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Saturday night party anyone?
Thought I'd start this as cants ee one but will have to log off in a mo as people coming for dinner so will pop back later after yummy lamb tegine, chocolate torte, good company, cuddles from cute baby & wine!! What more can a girl ask for eh - except for a 30,000 windfall and a good man of course! :D
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Bains & Ernst
I have been with B&E 2 years now, the reason being a little over 2 years ago, my hours at work were reduced from 27 to 9 hours per week, I have a mortgage and a young daughter to support. I ended up receiving income support and it was during that time I used my credit card to buy food etc, so of course I got into debt.…
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How can you make someone realise they are in a mess
Seriously trying hard to get my brother to realise he is in the s~%t with his money but he says its fine and will sort it all out he has had a house for 12 months and is really struggling but is very stubborn and wont admit he is in trouble, he knows im on a dmp but he says he will have all paid off in 3 years so no point…
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Soon to be DMP, maximise expenditure
Im about to enter into a DMP with payplan, i got my expenditure through the post to check over etc. It suddenly occured to me, should i now get mortgage insurance/life insurance as when i enter into the DMP it will be for four years. I obviously currently don't have it, couldn't afford it. But i want to make sure i have…
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This is IT!!! Another Debt Free Diary
I'm starting this as I keep slipping back into spending even reading MSE daily doesn't stop me spending so I think this will be my last hope, otherwise I have a problem. My Debts at worst have been £25k Plus, I have reduced them a fair bit but want to be debt free by the end of 2008. First of a little bit about myself as…
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sinking fast HELP!!!!!!!
has anyone got any advise for me?iwas until recently with one of those companies who promise to have you debt free in 5 years but after being made redundant and getting a new job which is £2000 per year less than i was earning in my previous job,i was unable to continue payments to them. trouble is i just about have enough…
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Newbie here - very poor student.
Hello. I've just began my first year of student nurse honours degree, and have been in for second month.. I've DEFINITELY put my head in the sand about money management, but it's definitely come back to bite me in the !!! now :o The NHS pay my £3000 fees every year but as my single mother is on benefits, and I recieved EMA…
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6 years up in december, what happens?
Hi Guys According to my experian credit report i have a debt which was defaulted on the 07/12/2001. Does this mean on the 7(6?)/12/2007 it will vanish or is it according to the experian "File updated for period to:" date? Also, I paid off one of the other debts a few months ago. Should this also vanish from my record or…
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Credit cards
Not used a forum before so bear with me. I currently have 2 credit cards (lloyds and virgin) and a loan from lloyds lloyds balance £5283.07 paying £170 p/m (my own choice) virgin balance £4442.84 paying £55 p/m (min payment) lloyds loan balance £7137.05 paying £221p/m How do i go about clearing the debts which do i clear…
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Help No money cause WFTC blunder!!!
Help! We, to a degree are not in as finanical trouble as some of threads read but looking for advise/help to the situation our family is in. WFTC has stopped payments for 3 months now, we are incuring bank charges due to bills/payments bouncing, have no money to pay these bills. we have 1 credit card that is now maxed and…
