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Pap/Moozie's What have/will you spend Sunday 29th June?
‘Afternoon all – couldn’t find this thread so thought I’d do the honours of starting it! How is everyone today – having a nice relaxing Sunday? I’ve spent 83p on milk this morning, and sponsored a friend £7.48 (random number I know!) as she’s doing Race for Life today. No other spends today hopefully! From yesterday… I…
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Debt Free Dreams
Hi all. Over the last few months i have been dreaming about the travelling i want to do when my kids are older. That is quite a long way off but my aim is to save towards my travelling so that when the time is right, i can just go! Being in debt again is making my dreams seem further away and harder to achieve. I want to…
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the long road ahead
Well, I think I have had my lbm this morning, after being in debt for around 13 years now of varying levels we (me and dh) need to do something to sort this out once and for all I have had depression on and off for years, have a wonderful husband and 2 lovely kids whom I seem to spend all my time shouting at and I know…
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Sunday 29/06/08 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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Electrictrickery
I've been paying £7/£8 a week for my electric on quarterly payment agreement Yes i know i should change :o , i just get confused:confused: and i am a bit of a stressed numpty at the minute:o Thats works out around £33 per month, or £99 a quarterly bill:rolleyes: last bill was for £64.14 (not had a washer for 2 months and…
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what information is required to issue CCJ's?
hello everyone. at university my mate has got herself in to a sticky situation and wants to know whether she has a CCJ or not. she did not pay her rent and received a summons from the court. she ignored the summons because it did not have her parent's/her home address on it, it only mentioned that she currently lived in…
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Fell off the wagon but want to get back on
Hi everyone, After making a good start to becoming debt free I sort of lost the plot - we didn't stop trying to clear our debts but I don't think we were as focussed as we could (should) have been. However, lightbulb moment number two has hit (for various reasons). I've just updated the balances shown in my signature and…
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UH.... I've been very very bad..
Uuuuuuuuuuuuuuuuh... I've gone and done something a bit stupid..... I've gone and bought this.. I didn't need it... I couldn't afford it... I've already got 2 basses... :wall::wall: But it's sexy as hell and sounds amazing.. Just don't ask me about the fact it cost £275 and went on the credit card..:eek:
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snowball calculator
where would i find the snowball calcualtor, i keep seeing people talking about it but i cant find it, plus how do i start a diary?? plus any other suggestions of what else to do??
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Searches on the Registry Trust
If I search my name on the Registry Trust website (to find out if I have any CCJs), pay £8 to have the search sent to me at my new address, will my previous creditor(s) know that (a) I've searched my name, and (b) will they know my new address?
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Good financial software ??
Just wondering if people could recommend something i can use to track outgoings etc so i can keep better of track of where I can save a few pounds. Thanks.
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CCA Request..GE Money/viking.WHERE DO I GO NOW?
I sent for a copy of the cca with ge money, enclosed the fee and sent it recorded delivery, I have had a reply back within the 12 + 2 days it reads as follows.Dearaccount no.Thankyou for your letter dated 15 june 2008 received on 19 june 2008 I can confirm that under section 77/78 of the Consumer Credit Act 1974 we are…
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End my DMP
Hiya, I've been on a DMP with cccs now for over two years and since have got myself a better job and more pay. Looking to the future i want to repair my credit score, would it be best that I just continue with my DMP but pay more money into it or could i end my DMP and call my creditors and re arrange my own payments.? If…
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quickie!!
just wondering if anyone knows anything about a company called cabot financial. is it a dca??? any advice please.
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In an IVA and Unsure
Hi Everyone, I am enquiring about an IVA I am in and am unsure about it now and unsure what options I have. I am in an IVA with Money Debt and Credit and am paying 230 a month and have been paying it since November so have paid around £1840 off so far and am in this IVA for 60 Months. I got into this IVA quite quick in…
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Are YOU responsible for your spending & debt?
Just reading through threads & while lots are paying back debts & cutting back, there are others looking at ways not to pay back debts & also Very Angry with the banks. For instance. The bank gives you £10,000 limit on a credit card & you spend that. You then find it a struggle to pay it back. The minimum payments just…
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Can I Do Any Better With This?
DEBTS £144.24 @ 5.9% - Alliance and Leicester Loan (3.5 Yr Left) £265.34 @ 9.9% - Tesco Loan (4.5 Yr Left) £4000.00 @ 0% - Virgin Card Until March 2009 OTHER DIRECT DEBITS £29.50 Gym - Total Fitness Full Membership Fixed £12.00 BT Line Rental Basic One - Only Use for Internet £19.97 Tesco Broadband - Links with Above…
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Advice needed Please re Job & debts
Hi I've been in the same job since 2000 and the company was taken over by a bank, I've got myself in debt & currently working with payplan to help me sort it out (wish I had known about them many years ago!!) My main problem is my employer takes any form of debt, IVA and bankcrupty as gross misconduct and instant…
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Job dilemma. Your thoughts please
Hi everyone, Been away for a while, but back now and glad to see some familiar faces. (Hi Hypno!) Here's my situation. I have a good job that, although a bit dull, is fairly safe and has the security of a 3 months notice period like a safety net. Like most of us, I face debts which I am trying to deal with by downsizing…
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Help with a CCJ for debt that isn't mine. Unsure what to do.
Hi. I'll keep the details as simple as I can. I use the equifax credit report monitoring service to keep an eye on my file for changes (to protect against identity theft). I got an alert out of the blue that a CCJ had been registered against my name. I had no idea anyone was trying to get money from me before this point in…
