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Quick dilemma - can you advise?
I need to renew my contents / buildings insurance today. My dilemma is do I go for a direct debit at a horrendous rate of 20% on top of my premium (and yes I've followed the advice on this site and shopped through ALL the comparison sites and got the best deal I can), or do I pay the full amount using my overdraft? Which…
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Can I Negotiate My Way Out Of My Debt?
Ok Im new to this so please be gentle . .and if this is the wrong thread category please point me in the right direction. Back in 2001 I took out several loans and credit cards . . .around 2 years after i became unemployed and shortly after that I entered full time education for a further 3 years followed by unemployment…
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advice please
Hi.... Can someone point me in a debt free direction? I've scanned the site and there is a lot of information to take in. Basically I want to get rid of my existing debt once and for all.. it comes to £3000.. which is credit card, store card and overdraft... I'm trying to find the best option and lowest interest rate to…
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DFW Daily Chat 28 April
Morning everyone! I'm off to my course this morning in a bit, what's everyone else up to today? Got paid - my first month with tax etc in my new job. It came out almost what I calculated it to be. With my AQA money this month, I'll have almost £1100 income, almost enough to get by with, need to do just a bit more AQA next…
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Monday 28/04/08 What small dfw things 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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Newbie needs advice to avoid Drowning
I have a 3 bed house in London but also rented a studio in Chatham in Feb short-term to avoid commuting to a new job, with a view to either rent or sell the London house. I was thinking of buying in the Chatham area to reduce stress. Now most people are advising me to stay in my house in London and possibly rent out a room…
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newbies here, please help :( :( :(
Hi, have been browsing this site for a while and have finally decided to join. Over the past couple of years my debts have got worse, i am 21 and currently owe just under £24000. My oh is 24 and owes £10000. Between us we just about manage. We have a baby due in 2 months and we are simply thinking how the hell are we going…
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High court enforcement,Who are they????
Are they sent by the court,or just an official looking DCA?They have been round to my house and left anote saying they will seize goods etc with regard to a CCJ I didn't know was ccj?
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Grad Loan + some general advice
Hi all :) New to the boards but really starting to realise I should have been here a while back! I'll try to keep this as brief and to the point as possible. I made this post intially on the Loans forum as I hadn't actually noticed this board, so apologies for making it again but it's far more relevant here. My current…
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Reclaiming bank charges whilst in a DMP?
Apologies if this has been posted before. I have been in a DMP with Payplan for approx a year. Would it be possible to reclaim the bank charges Barclays owe me. God it must be a fair bit I totalled up. Or would this be a bad move baring in mind Barclays are on my list of creditors on the dmp? Wondering if anyone else has…
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2190.16 On Abbey CC
I found this site last night and have decided to do something about my debt. Ive looked through my finances and have found that my Abbey CC with just over 2k on it is my biggest debt interest problem.(Beside's my mortgage). I got it for an emergency and then used it for a few extras that I really shouldnt of. The interest…
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Mackenzie Hall. Help Needed
Hi i just been told by a friend i used to live with that mackenzie hall have been trying to contact me. He said that they had recieved a letter from them a few weeks ago and that yesterday morning baliefs had been round. My friend does not know my new address and i dont plan on telling him as we do not get on, so there is…
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Overdue taxes
This is my first post but i am so glad to have found this site! I own a small business (sole trader) and have been getting into difficulties paying things on times. What has happened is that i have kept up with all my creditors, wages etc but not paid any VAT or PAYE. I know this was very stupid but i just kept blocking it…
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credit card debt
i owe £7k on a lloyds tsb credit card and cant afford anymore than i have offerd in repayments,they are taking me to court soon,can they take the house or send in bailiffs,i have already shown to them via the cab,that i cannot pay anr more
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Help - Need £515 by wednesday
Right, got myself in a right mess. Got to pay an extra £250 on mortgage, £120 council tax and loan payment of £145 all on wednesday, none of it can not be paid. Can't borrow any from anyone. What can I do? Thought about taking my jewellery to pawn brokers but not sure how that works. Pretty sure the bank manager won't…
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Advise please!
Hi Everyone! I come on here alot to have a read but have never posted! Im looking for some advice and would really appricate the help! I am about to start saving to buy a house with my boyfriend. We are aiming to save enough by December 2009 (aiming to save about 14k each) Im in a little bit of debt and im wondering what…
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Soa Post...please Help!!!!!
[tt] Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 1380 Partners monthly income after tax....... 500 Benefits................................ 110 Other income............................ 0 Total monthly income.................... 1990 Monthly Expense Details…
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PPI - To claim or not to claim
HI All, Im hoping you can help with this one. Just been browsing and remebered i was sold ppi on a cc back when i was a student, I wasnt working 16 hours a week so it was in effect miss sold. Just sat and typed up the letter, asked hubby to read through and he doesnt think its a good idea for me to apply for it. Now before…
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Needing your help, guys and gals
Hi all I have also posted on the benefits section but I felt I might get a bit more advice here. Basically the situation is that my husband has been running his own business for 3 years now and since November the business has not been able to support us and since January it has made very little money at all, just enough to…
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do you have to pay a debt over 8 years old?
I am being chased for a debt over 8 years ago, do I have to pay it? any advice please.
