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Please help, should I consolidate?
Hello:hello: I was just wondering if any of you lovely people could give me a little advice? I currently have a natwest loan for £6100 (it was originally £7000) with 3 years left on it. Natwest have offered me a loan to consolidate this with my over-draft (£3000) and an egg credit card (£2000). At the moment I am very…
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What to do, advice please!
Hi everyone, sorry if this turns into a long one! Just wondering what to do really, we have £6500 on credit cards - £1000 at 16% (£1200 limit) - £2840 at 0% until July £3000 linit) - £2720 at 4.9% for 4 years I think (£3600 limit) I have put all of these into a snowball and it gives me til 2011 paying off at £200 a month!…
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Piggy Points
Hi all Have noticed that since Christmas, Piggy Points seem a bit few and far between....... Is it just me? Am I doing something wrong?:confused: Thanks to anyone who can throw some light on this! PO
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£30,000 debt, better suggestions if possible of dealing with it.
Problems started a couple of years ago when tried helping out family member but they were then unable to pay money taken out in loans in my name and of which i regret i happily did at time as end of day was family :confused: I took out 2 loans for this member of family one being a £5000 loan and another being £20,000. Now…
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Fuming!!!
unknown...
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Bankruptcy or Full/Final Settlement Offer??
I'm new to the forum and am hoping you may be able to advise me!! I have had large unsecured debts for 7 years now. I was with the CCCS for three years until Feb 2007, when I took on the DMP myself due to studying abroad. My friend has very kindly been paying my living expenses, tuition fees and monthly payments to the…
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Saturday 2/02/08 What small dfw thing hve 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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Pap & Moozies what have/will you spend Saturday 2nd February???
Good morning one & all:wave: After yesterday's day of hell, which got worse & did put the flat car battery & broken kettle into perspective ( found out a very close friend has breast cancer )I ended up surprisingly having a NSD Today will be a different matter, need to get some food shopping in desperately & I will need to…
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Page 3 - "Money" section of the Guardian
Interesting article on RBS recreating a CCA and details of an internal RBS memo which endorsed this...........of course it was never their intntion to say these were "true copies". Mmmmm...............
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18 month update - yes, its really been that long!
Hello hello. Happy New Year to you all! Wanted to pop in and say howdy and give you an update. Cant believe I've been away for 18months now...... I am still in Auckland (New Zealand for you SS, who didnt seem to know where that is! :rolleyes: ) - still working, and enjoying NZ - managed to do a trip of the South Island…
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Cheery Songs
Which (if any) songs cheer you up at this time of year. I find that if I listen to Bucks Fizz whilst opening my bank statement, it doesn't seem so bad. (the statement that is - not Bucks Fizz). Silly I know. I don't even like Bucks Fizz (apart from the drink), but their songs just cheer me up. Am I finally going mad?
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Newbie SOA Can anyone help?
I desperately need to make drastic changes in how I deal with my finances – basically I’m useless. Today has to be the day I start to make a change – I’m completely letting my husband and children down. Today my husband went to the supermarket and was unable to pay for our shopping as his debit card was declined (joint…
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international collection
I went to Florida on holiday in July and while there I rented a Car, on the last day I filled the tank of the car up with diesel (I know I know, the pump handle was green, which here means unleaded) I didn't know this at the time and the rental compay replaced the car. I thought nothing of it, today I recieved a letter…
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I need advice on credit file changing
Hi guys, My OH needs some help with his credit history file, theres a few things on the history wrong like loans that says he owes £3000 when he only owes £2300 at present. Should he get that changed? as its not correct? and also should cards that his paid off and cancelled, should they still be on the account? Who do you…
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CC Stoozing
Did anyone watch Ch5 'it pays to watch.' the other night? I waswondering about this credit card "stoozing". Has anyone done it? Had any experiences? http://www.itpaystowatch.co.uk/
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Advice needed please
Hi There, I wasn't quite sure what board to put this on, so I thought the combined knowledge of DFW would be my best bet! A bit of background: My OH works for a company that has recently (in the past month) been bought out. He has worked for said company since March. Since then (march) he has been paid by BACS on 30th of…
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U.S. loses its status as economic world power
interesting article http://newdailyview.blogspot.com/2008/02/us-loses-its-status-as-economic-world.html
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Hi guys anyone got any advice for someone in need.
Hello everyone Its been ages since I been on here so I will start off by going through thr usual SOF. At the moment I am earning around £700 a month training to be a Chartered Accountant, and due to my out of control uni days I am massively in debt. Anyway here it goes... Outgoings Monthly Petrol : £225 approx O2 Payment…
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Two debts PAID!
We had a credit card, £350. It was a 0% transfer deal, so we transfered the balance from our (evil) House of Fraser card. It wasn't a large amount, but every single month some random bill would pop up so we could only make minimum payments for ages. But we finally paid it off. And.. We had a huge nightmare getting any…
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Good spreadsheets anyone?
Hi Well, I'm doing my best! I use MS Money which I find essential for keeping a track of all my accounts. Wouldn't use anything else. However, I'm really trying to clear our debt - if I keep going slowly it will be Sept 2010, but I really, really want to clear it this year. My problem is that I keep on spending on things I…
