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bit of a mess!
Need some advice....i have a loan with northern rock (took it consolidate all my credit, store & catalogue etc debt) I currently still owe them £6000/7000 loan finishes june 09. I stupidly ran up my credit cards again and now struggling to pay all my bills everymonth as well as my loan and left with about £100 which is…
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Dilemma - What would you do?
Hi everyone. Just thought i'd ask a quick question if I may please. One of my very close friends now lives in America and has announced that he is getting married this September after only having gotten engaged at Christmas. He's one of my longest standing close friends and I would dearly love to go. Unfortunately as a…
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Daily Chat Thread 4th Feb
Morning everyone :D How's everyone doing today? In a really good mood last night as the balls to be rolling now with our band... Our website is in the process of being built and we've got a couple more ideas for songs which we're about to start working on.... ooh it's all exciting :D Other than that a usual boring monday…
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How do I get rid of a bank overdraft without Lloyds help?!?!?!
Hi all, It might sound like a really silly question but just how do I clear off my £3000 overdraft without the bank manager trying to talk me into a high interest loan or credit card, or is this the only way? Its currently costing the best part of £50pm in interest alone but we are always in it, so income is £1300pm will…
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Pap & Moozies what have/will you spend Monday 4th February???
Good Morning :D I should be ok during the day but playing racketball tonight and we normally stop for a diet soft drink so it may cost me a couple of drinks . hope everyone keeps it low and has a great day:D
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Monday 4/02/08 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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Credit card dedt
My son has a barclaycard he had problem about a year ago with his finance and got behind with payments. But since january 2007 he has paid £750 back on a dedt of £2895. Just got his Jan 2008 bill in and he now owes £2925. He currently pays £25 per week. Anybody know if they would stop the interest or some thing or he will…
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MSE Charity
Hiya. Does anyone know if there is a way I can donate to this charity? With a monthly direct debit perhaps? Would definately love to do so - I cant believe I only just heard about the charity! :rolleyes: I think it is fantastic you have done this Martin, definately want to help anyway I can. Oooh, maybe I should do a…
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21 and in a mess! please help
Hi there, OK I seriously dont know where to start, but will give it a good go... I am 21 living in a rented house, I have a salary of £17,654 and bank with the HSBC where I have an overdraft of £1000 which they have sent me a letter to say they are taking it off me on the 22nd Feb and want the amount in full.. I also have…
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Please Help-Problem Debt and Thames Credit
This is my first post so I don't if I am doing this right. I have listed some of my major debt problems. I don't know if I should have posted each point seperatley but I have just put them all down. Please help and advise. 1.I defaulted on a student overdraft in last year of University in 2003. I didn't actually default…
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Advice needed -- Should I buy off my expensive fitness contract?
Hello, A few months ago I signed a year contract with a gym. I regret that I signed the contract because it is quite expensive, I do not use all facilities and I only sport once a week (because of the costs and problems of the gym it really demotivated me). I paid 69,90 euro registration fee. The first month I paid 44,75…
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cards to mortgage
please someone ,maybe with a bit more sense than me tell me what to do. have a mortgage fo £60000 on a house valued at £100000. problem bit-debts= £22000 on various cards+loan. these debts add up to some very high payments each month,i was thinking of remortgaging and putting these debts on to the mortgage,sounds daft i…
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At what stage do creditors apply for ccjs?
Have kept up regular monthly payments for 2 years having defaulted on a few cards when out of work, but due to change in circumstances, unlikely to be able to meet the full repayments for a couple of months. Had a few letters in the two year period threatening legal action, but not sure if it ever had really gotten to this…
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65 and counting
happy birthday today to my husband who is 65 today unfortunately we owe £50,000 on credit cards, he has heart problems had a by pass in 99 but his company say he can work another year, problems started in 93 when he became ill started using the cards for food petrol etc., i work and we manage to pay the minimum payments…
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nightmare!
hi i am after some debt advice, will try to keep it short! my husband has disappeared(been suffering depression) left job and gone gods knows where he also took all of our money for bills mortgage etc. i work but only take home 9oo per month whicj=h is about same as mortgage we also have a secured loan and two others,…
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Just spent £12 on KFC
So annoyed with myself, i had a weak moment and i spent £12 on a KFC for tea for everyone. I had lamb in which i bought from Aldi. My shopping this week was £38 for all five of us we had loads in and i was like stuff it. Do you think i'm being to crazy does the odd takeway not matter. All i can think is its money we didnt…
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DFW Sunday Confessional 3rd Feb
Forgive me Martin for I have sinned.... Herein lies the place in which to repent ye wicked non MSE/DFW sins... Repent and ye shall be forgiven!
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Credit Card advice please :(
Hi all. I have just received a letter from Lloydstsb about my credit card. I got paid early on the 21st December so I thought that I would pay my credit card bill that day so I knew that the money was there to go out. I have this letter which states that I never paid for January, but because I got paid early it shows that…
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DFW Valentines Day
Hi, Has anyone got any ideas for a DF valentines day gift for my hubby? I was thinking of creating a 'sealed pot pig' to give to him, with something written on it such as saving for 2nd honeymoon. Do not open til December 2011 (10 year anniversary). Opinions greatly received.
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Friends with Money!
Hello All, I've been working very hard at spending as little as possible to pay off my overdraft (done!), a credit card (£1700 to go) and then start saving to move out. I've been depressed the last few years (which has meant low paid jobs and often times of unemployment hence no money) and as a result pushed a few of my…
