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Need Help - Poor Credit Rating.
hello everyone, I'm in a spot of bother with my finances. Earlier this year I was in a job getting about twice as much as I earn now and because at the time I thought the job was "safe" I went on a mad spending spree. unfortunately, I was made redundant and was left with car finance, car insurance and a credit card to pay…
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This is not a social forum
Hi, This forum is clogged up with regulars chatting about their daily diaries when desperate people like me are having their new threads washed away with a tidal wave of trivia ( I counted 9 out of 20 1st page slots taken up with this chit chat). Can we have a sub-section for MSE socialites? Is it me?
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£10 a day challenge - December
:j I'm too impatient to wait for one of the grown ups to start this thread so I'm doing it NOW because I'm excited!:rotfl: December might seem like a bad time for making extra cash - but now is when it comes in handiest, probably other people won't be going for the mystery shopping jobs etc as it’s too near Christmas, and…
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Well Done DFW's! But we're not finished yet!
I don't know how many of you have seen this thread or whether you have been actively clicking, but I searched for CCCS on Google just now and c-c-c-s.com is no longer in the sponsored link! :T :rotfl: However it is still showing on Yahoo so everyone get over there quick! ;) Sadly there are still loads of other links when…
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Why is it things always break when you're broke
Having a really bad month, TV broke, so have ordered a new one & now the car has broken down, luckily I'd switched to Prudential through quidco & had homestart, but they had to take to the garage, now I've got no idea how much it's going to cost. Already starting to feel sick/panic about Xmas. Why is it when one thing goes…
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26.11.07 - What DFW thing have you done this weekend?
Things for today so far... Got a return bus fare into work instead of a day ticket saving £1. Got 2 bottles of coke free with voucher Found a McDonalds coffee sticker. Got 125g bag of ground coffee free with voucher from Saturdays D Mail. Paid my council tax. Well it saves then sending me a reminder to say I'm late. :mad:…
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Help, advice or a hiya needed!
Hi everybody, I'm finally about to pull my head out the sand and start dealing with my debts, from my big signature thing I've made, you'll be able to see my problems! I'm not working at the moment and only receiving tax credits for my two children so I'm going to write to my creditors and offer token payments of about…
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making money - e bay
I know a lot of you out there sell stuff on e bay how do you work out the psotage I've got several things to sell but never know what to charge for the postage. Thanks:question:
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Is it possible to change to a cheaper 02 tariff??
I really need to lower my payments. I currently pay £30 but want to change to the cheapest tariff which is £20. Ideally I would like to give it back and go pay as you go; however, since I signed up to an 18 month contract back in June there is not much chance of that happening. Has anyone had any luck reducing their…
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Do you feel guilty??
I’m quite a gamer and this weekend I have hit my Xbox 360 hard. I clocked up quite a few hours and it’s a great escape from reality. Then all of a sudden I felt guilty for using and getting enjoyment from something I haven’t actually paid for. I bought it earlier this year (on credit card obviously). I guess at the time I…
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How do you pay for 'inforseens' when on a tight weekly budget?
Hi all, As a new DFW and someone now living by what she earns and not whats she wants when she wants it and puts in on CC's....how do you budget for unforseen things?? eg. Car repairs etc I've worked out my SOA and have a certain amount to live on per week and when it's gone it's gone. Just wondered if anyone had any…
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A Bit Of Advice Please?
Hiya.. OK long story here, so here goes... I'v got debts amounting to approx £7000 They are all unsecured The details and status of them all follow Lloyds debit card (unauthorised overdraft £250 per month interest, have several repayment plans, defaulted on all, are demanding full repayment,refusing to stop interest and…
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A Bit Of Advice Please?
Hiya.. OK long story here, so here goes... I'v got debts amounting to approx £7000 They are all unsecured The details and status of them all follow Lloyds debit card (unauthorised overdraft £250 per month interest, have several repayment plans, defaulted on all, are demanding full repayment,refusing to stop interest and…
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pre-paid "credit" cards?
hello all do any of you have a pre-paid "credit" cards? :confused: I would like to use one mainly for the internet and to put some money on for my DS. are there any probs, hidden charges etc? many thanks
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Proud, some small glimmer of light
Since the beginning of October, Hubby and I have managed to reduce some of our debts...not alot but enough.We have paid of two outstanding Council Tax Bills, so we are no longer in debt.Paid £400 off our current Council Tax bill, and reset DD up, so we are now back on straight and narrow with that.Paid chunk off doorstep…
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Debt Free Calculator
Hi all I have just found this great debt free calculator - snowball effect and it is downloadable and updatable, why not have a go and pass it on, your details are never entered onto a website so it is totally safe. http://downloads.zdnet.co.uk/0,1000000376,39344417s,00.htm?r=1 Hope this helps lots of people, pass it on.…
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Cahoot help
I have a current account with Cahoot when I pay cash in they are taking days (4/5) to pay it into my account thats if they havent lost the money then they charge me for being OD I am trying to reclaim charges, is this reasonable? I've tried complaining to them but they just ignore my letters!:mad: also i'd like to change…
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Hi I'm a newbie!
I have an appt with the CAB this week and was wondering if anyone can offer any pro's and cons on DMP's. Earlier on I read a some threads about companies still harrassing for payment. I thought this would stop once a DMP was entered into? Bigdi
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Cancelling un-needed DD - Help please
[FONT="]I want to cancel the payment protection that I have with my Tesco CC and a flexiloan that I have with HSBC but have no idea what to put in the letter, can anyone help? Is it just as simple as ‘I would like to cancel this’? I’d be really grateful if someone had a template[/FONT]
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Advice needed for scrounging postgrad!
I've tentatively got a job lined up beginning in February after 9 years worth of student financial mismanagement, and could do with some good advice! The burning issue is £5k on a Nationwide gold card at the standard 18% Apr, that I've not been able to move due to the lack of a regular monthly wage. Understandably it seems…
