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NO WONDER I'M FAT - lightbulb moment
Hi guys, just had bank statements and on a massive downer. Have overspent (as usual) and (as usual) the culprit is FOOD. I've cut down our normal food bill through meal plans, buying some value etc - although tbh its still too high. But the MASSIVE killer is eating out. I was slightly disgusted to read that we've eaten out…
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i keep trying to reply
but i keep ending up on a random post????????? not the one i want to reply to! Will
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Pleeeeeease help - desperate
Hi everyone. Bit scared about all this. Long story but here goes......_pale_ We, my partner and I, are havin serious money problems. Waiting to hear from the high court about this test case on reclaiming bank charges - owed over £5k from Lloyds. Sadly my mum passed away last year and as a result of this she left her entire…
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Best way to clear overdraft - sorry if this seems like a daft question!
Ok my target by the end of the year is to clear our overdraft. We have a £1100 overdraft limit, and as of today we are £606.22 overdrawn. The overdraft is a debt that we have never included in our debt total because we have basically lived in it for the past 4 years, so have seen it is as our money. I am rubbish with…
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Daily chat thread 27th November
Oooh I'm a bit late today.. lol is anyone else having problems with posts disappearing and then reappearing and clicking on the quote button onto to end up quoting a completely different post elsewhere on the forum???? Me thinks the mse ghoulies are at it again...
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Carphone Warehouse
Anyone know how you go about cancelling a contract with the carphone warehouse? They don't reply to emails and I hate phoning them as they keep you on hold for agggggggggggeeeeeeesssssss!! L xxxx
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What will you spend, Tuesday 27th November.
Morning all . Should be a NS Tuesday for me:rolleyes: Hope everyone has a fantastic day:)
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Help me please!!
Ok i really need your help Iam upset and so angry at myself!! On wednesday we get £267.20 But i need to pay the following £34.23 to debt agency (virgin media from my old house, and cant miss it as first payment as just arranged it) 20.00 to provident on friday (for friday and the following friday as i pay every 2 weeks)…
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I know, it's small.......But
Hi all This is my first time on this forum, I usually frequent old style. But I think I could do with a bit of a kick up the bum. In 2004 we sold our house as we could not afford to keep up payments, both on mortgage and debt secured on it. The money just about paid off all our debts. Since then we have been living in…
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Finally, i've done it!!
Firstly, hello to everyone. I guess we're all here for similar reasons. This site is a brilliant idea, and gives people who've kept their poor finances private the chance to discuss the cause and solution without shame and the fear of judgement. So, my story and the subject heading. I've grabbed a firm grip on my current…
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I need some help...
Hi Guys, I really need some financial help. I was paid on Friday, and looking at my account today I have already hit the overdraft limit! Here's my situation. Over the past few months I have found myself slowly drifting in to and over my overdraft limit before the month is up. This has taken an effect where by my wage now…
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Looking for advice on HFO
Hope someone can help as I am new to this site. I have a debt of £1800 that was with Barclaycard a few years ago. This was taken over by Moorcroft & an arrangement made to pay £50 per month set up in Aug 07. I paid each month & then got a strange card through the door saying that a packet was waiting to be delivered ? I…
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A Qu. about Council Tax and Water Bills.
Evening all, I often see people recommended to ask about paying their council tax and water rates over 12 months instead of the 10/8 months that seems to be standard and I was wondering if anyone was actually doing this? Because my council and water authority both told me a big fat "no" when I asked about this, which I…
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defaulting on lloyds CCs - any advice?
I've been struggling to meet my minimum repayments on my Lloyds credit cards for ages and I've now reached a point where I just don't have enough income to keep the repayments up. I have two cards with Lloyds. A Visa with £10000 limit and a Mastercard with £750 limit. Both only have about £20 spending limit left. I'm…
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debt from my late mum
my mum died on the 17th sept owing money to a catalogue they have said they want there money from the estate. the thing is there is no estate they are sayin they are checkin probate but there was no probate. can they demand that we pay the money.i cant afford to as im just about to enter a DMP to sort my debts out let…
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Mbna
has anyone had dealin with them. im just about to start a DMP and they keep phoning sometimes 3 times a day we have explained to them that we are doing a DMP but they wont except this and keep phoning.
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Starting afresh.......
I posted here back in May and got some fantastic advice and starting tackling the debt. I visited here obsessively every day and then found that I was just spending too much time on here and home/work life was suffering too much. I also spent nearly every few minutes thinking about money so I took a step away. BUT, without…
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WHERE DO WE GO FROM HERE!Hi,
hi, my husband and i already had financial problems and have been seeing a money advisor from CAB.......to cut a long story short she has near enough got all of our creditors to agree to reduced payments. then..wham...husbands ex decided to go back to CSA and now £577 a month is being deducted from his wages a…
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What Would You Do? Be Hard or Be Kind?
We as a family do not have a lot of money for clothes as my son is at college and we are repaying debt. He is still trying to get his A Levels. I dont want to go into why he cant get a job, tis hopefully sufficient to say that he cant at the moment. Anyway, my son has a friend who is about 18 and he lives on his own. He…
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Facebook debt group
Hey everyone. Just wanted to let people know that their is a new group that's been set up on Facebook for people interested in discussing debt and money issues with the audience on there. The group is called 'Debt can really cramp your style!'. Just in case anyone is interested. I'm linked to the money education charity…
