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Sealed pot approach - good idea for saving?
I'm not entirely sure this is the best place to post this, but of all the forums this seems the best fit. Sorry if it should be somewhere else! It seems to me that the cost of specific groceries generally don't go up much, if at all, from week to week, and at the same time there are frequently good offers (BOGOF, etc) on…
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What A B****y Weekend!!!
Its been awful, Hubby working nights all weekend, kids slepping out, all cleaning, washing, ironing & dog walking done. Sat down with well earned drinky to catch up on whats been going on and oh my god - no internet connection. Absolutely gutted to say the least :mad: . OH spent 1 hour on phone to AOL call centre in India…
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Debt prioritiser
Hi Would this be worth developing further? Is it of any use to fellow MSEers? You need Excel or, I understand, it can be viewed using Google docs. GG
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You lot rock!!! Thankyou
am so glad i found this place (didnt even relise there was a forum) its nice to know youre not alone & i like that you all share tips. I really need to do something asap-mainly my £8k loan i borrowed to pay iff my credit card with all intention of cutting it up......then we went to new york & got engaged, went shopping…
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Do credit files alert old debts?
Ok I have been hanging around here for a while.So identify with all debt.I have hidden from debt for 7 years now,too scared to get my credit files,too scared when I contacted a debt agency and they contacted me 2 weeks later to do the "phone call" TO admit they had right person!!My 17 yearold daughter answered phone,so I…
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At my wits end - any advice PLEASE
I had my lightbulb moment a while ago . . .but no idea what to do. My debts are around 30k for a variety of personal reasons, yet I have worked full time since I left university. I am in the process of sellingmy house and have moved in with my parents as my now job meant relocating. Someone put an offer in on my house in…
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Bailiffs - what to do if they're coming!
Let's hope none of us will be visited by the bailiffs anytime soon,:eek:but this article has some useful advice - for example do you have to let them in? How can you stop them coming or getting in? When can they actually force entry? There's also some helpful links for further advice. Have a look here.
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Please help! Dunno where to start!!!!
OK (bit of background)in august, id been at my bank job (which was a different bank after the one id quite happily been working at for 3 years,merged) I just hated it & cried every day & night not wanting to go in but finances wouldnt allow. Anyway i went to dr & he signed me off for 6 weeks with work related depression .…
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I cant afford it - Why dont people believe me?
Hello I am just wondering if anyone else has the same problem as me..... Why is it, when I tell people I cant afford to do something, like go away on holiday this year (as I am trying to pay back my debts) they dont believe me, and then say something like "Yes we havent got much money but we are still going away". I dont…
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Help please: british gas/moorcroft losers cant add up!
evening all. Got a poser for you. I have been in discussion with moorcroft debt recovery since last year regarding an apparent outstanding bill for british gas. I paid the bill, i know i paid the bill, my bank knows I paid the bill but no matter how much and how many times i send proof to these poeple they are simply…
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DMP probs, anyone else had issue?
I started a DMP last november but only this month they sent me a letter to say that they sent offers out to my debtors and i should hear off them in 2 weeks times, well had the first one back today which was for a barclays overdraft which barclays have rejected !!?? also i never got into trouble with them they say its not…
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what do i put as reason for dmp??
sorry i sound so dumb but what do i put for the reason for dmp? not sure i can put the following!: always been a bit cr*p with money,but after being made redundant i couldn't really pay back the debts i had incured from my reckless youth.i did finally find a job to fit in with childcare (but taking huge pay cut!) but…
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Just when I thought everything was going to work out....
..... things take a turn for the worst. DH's job disappeared into thin air today! He works for a recruitment agency and has been doing the same job for 7 months now, really just waiting for someone else to leave so the company would take him on directly, rather than via the agency (the result being a hefty pay rise). But…
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Same old story here I'm afraid...!
Hi everyone... So i'm in the following debt: Loan with 9 years 9 months at 5.00% - 23400 Loan with 2 years 10 months at 11.9% - 5499.51 Credit Card with Barclaycard - varying interest rates - £4000 outstanding, making minimum payments of £90 at the moment. Car Finance £3500 roughly - about 4 1/2 years left. Storecards -…
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Full and Finals
Please can someone help, I have debts tottaling appx £32000 with about 5 debt agencies, A family member has £17000 in savings and wish to offer full and final settlements with the agencies, Should they write to them making an offer ? or should i ? and how should i calculate how much to offer to who ? and what are the…
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Old Debt
Can anyone give me any advice. My parents house was repossessed back in 1993, we were all on the deeds. It went to Court, but no CCJ raised. Both my parents have since died, and the company, national Home Loans contacted me for me to pay back the shortfall, which is £36,000 ish back into 1997. I was a single parent and…
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whats happening 15 years on and they want money????
can someone please help me i have recived 2 letters today from the dwp, stating that i owe them money. when i phoned them up i said that i have been employed for 14 years and have not claimed for anything, they said that i took a social fund loan out in january 1994 and august 1993 and never paid it back. (dont know if its…
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New incentive and new found determination - my debt diary!!
Here is my new debt diary (which I WILL keep posting on, no matter what happens or how ill I get!!). I have got a new incentive to get debt free and it's given me a whole new sense of determination. I have to admit that I was falling of the DFW wagon as I wasn't getting anywhere fast (I know that everyone feels like that)…
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Should I feel bad?
I am currently looking online for a present for my Mum for Mothers day and I am looking via Quidco to see if I can get any cashback. I feel really bad about this and feel like I am cheating my way out of spending because I owe a huge debt which as far as I know they don't know about. I am also using free bingo which I have…
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Please help, I'm new on here!
Hi I would like some help, i want to pay off my debs as quickly and as easy as i can. i have a credit card with a balance of £1,600 and a Loan of £800. Ideally i would like to pay both of these off and just have one payment going out at the end of the month, I can afford to pay between £100 and £150 back each month. please…
