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How much do you allow for yourself...
Hi everyone, just wondering how much cash you allow for personal "spends"? I am trying to be really hard on myself, but often just give up and get another tenner out for those 10 fags or a coffee and a croissant or a lunch at work... thinking £20 a week, but am I being generous? Ideas please!:rotfl:
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Credit report requested - alleged fraud showing up on it
Evening all! My friend and her husband have recently moved back to their respective parents in order to save for the associated costs of a mortgage - solicitors fees, surveys etc. Anyway, they had a mortgage agreed in principle and were told that they had passed the initial credit check. A few days ago their advisor rang…
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loan or cards help please?
hi I was on the phone to lloyds yesterday and they basically talked me into consolidating all my cards and overdaft into a loan in addition to my other loan. The rate would be 22% and over 5 years by which time I would be debt free as my other loan would be paid of also. i appreciate it is a high interest rate but it would…
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Payplan?
Hi, can people please give me some more information on Payplan -there phoning me on saturday morning to discuss how they could help me with my finances. I pay over half my wages on paying debts each month and am really starting to struggle. I've started doing some extra work on the side to help out but its not guaranteed…
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hmmmm, what should i do?
hi, i'm in a bit of a quandry regarding money, we have a lot of bills that need paying this month and not enough money to pay them we need to pay: natwest cc 88 npower 112 mint cc 16 mbna cc 85.16 virgin cc 131.35 vodafone 57 council tax 212 (its this much cos i havent paid it for a couple of months) capital1 cc 40…
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finally facing up to debt problems
I have recently taking the first step in recognising I have a debt problem. Over the last couple of years I have been using my credit crads to pay for everyday things like food and petrol,. Things have now reached breaking point and I know I have to address the problem. I have been in touch with CCCS and they have…
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Old debt come back to bite - HELP!
Please can someone advise??? 7 years ago I had a car on credit, gave the car back but still owed money. I defaulted on this and recieved the odd letter but haven't heard anything from them in 7 years. Out of the blue, I had a letter from a recovery company asking me to call them about the debt. They have never register a…
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I have not paid my credit cards since November
I have been around the forum for a while but never posted. I thought I was starting to do okay.I have changed my spending habits and havent used my credit cards for about 6 months but I have not been able to pay them for 3 months. I had some debt but not much then I stopped work to have a baby and didnt go back to work.I…
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Well, I gained £50 today....and then lost £54 :s
Hi All, I received my BT phone bill today...saying they want the £22.26 tomorrow! I rang them up and after speaking to someone in outer mongolia, they told me that due to my complaint last month, they have issued me with a £50 refund. Therefore, the £22.26 has already been debited from that refund so I don't need to pay…
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Thursday 21/02/08 What small dfw thing have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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My SSOA
No, I havent got it wrong, I have renamed it - my Sorry State of Affairs, Following yesterdays major blow - you can read about it here if you like shrunklink.com/akuu I am posting my details to see what anyone can help me get down. All figures monthly Income - Child benefit, child tax credit, incapcity beneift, DLA Total…
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Can I change home insurers after 2 or 3 months?
Can I change home insurers after 2 or 3 months? I have put this on the home insurance discussion forum also, but this forum seems friendlier!! Hello, I know when you take out insurance it usually says you can cancel withn 28 days, but if the insurance has been running since 25th December 2007, would it be possible to…
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What should I do £16,000 in debt
I currantly have 2 tenant loans I pay £250 per month to each loan company, But I only earn £200 per week then theys my other outgoings like car and food etc. The settlement figures are currantly at £8,000 each I do have £6,000 in the bank but I do not want to take out an extra £2,000 loan because due to my really bad…
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Advice on debt consolidation loan please...
I have a loan of £10,900 and a credit card of £1200. I tried to get my payments reduced or a loan to combine the two but I was refused credit. A company I spoke to today will freeze the interest on my loan and credit card, and pay them for me. I'll pay them £200 a month (what my current loan payment is a month) and out of…
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Should I just give up??
Hi, I have over 50k worth of debt at present, having just had my company go into liquidation due to a bad debt and a very agressive factoring company, who are now taking me and my co-director to court. we have started a new company, as many of our clients are still on board, but it will be a month or two until enough cash…
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!!!!!! - Strange Letter from DCA
Hi folks, I've just had a letter from the DCA (FCM) handling my last outstanding debt. The letter says "we are sorry you have not stuck to your repayment schedule, we are considering court action etc etc . Baliffs etc" It gives my balance as £6,100. BUT ... I set up a standing order with this company over three years ago…
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Can someone help me please?
Both, my wife and I have been dealing with the CCCS since Oct2006. At first our creditors (total sum of £18,000 - outstanding) - were really helpful and obliging. However, recently they are adding on alot of charges and fees, which has virtually added back on, all of the money that I had paid of in the last 15 months. We…
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Where is the catch?
As a new DFW I have been looking for better mobile phone deals and have come across new contracts where for £30 per month as well as my free minutes and texts you can also get a free laptop. I do need a new laptop as mine has a broken screen but this isn't an essential. The phone deals are all less than I am paying at the…
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In for the longhaul
I'll admit it now, I have been a total moron. I have spent most of my life being regarded as a sensible person, but in reality chaos lurks just beneath the surface. Over the years I have been hopeless with money: missing payments, failing to pay bills on time or at all, 'prioritising' pleasure over important payments,…
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Please could someone help regarding my mum and my late dad.
Hi folks Hope you can help me with a problem. My dad passed away suddenly last july. He had halifax shares which my mum cashed in , we were so busy at that time that when the cheques came through my mum just put them in the bank to help pay for the funeral. The Halifax sent a letter a few weeks ago to say that they had…
