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Hello! SOA from a newbie...why is it taking so long!?
Hello everyone, I have been using this site for quite a while now, and thought it was about time I joined the forum. Here is my S.O.A: Monthly Income Me - £1293 Hubby - £980 Monthly Outgoings Housing -£822.34 Mortgage - £641.24 Service Charge - £65 (This includes building insurance) Council Tax - £94 Contents Insurance -…
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Rail ticket inflation.. Should I buy a season ticket now?
Hi - not sure if anyone knows the answer to this.. My rail my season ticket prices will go up by 8% as of Jan 09... Does that mean if I by my season ticket for the year in Dec - I will only pay prices as of today without the increase??? :rotfl: :rotfl: :rotfl:
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Paying back our debts
Hi Everyone i have been reading this forum for the past week and thought i would share my story with you all. I am on a DMP and have been for the past two years our debt was £75k Nov 2006 and its now down to £45k Nov 2008 its been a hard long road and we know we still have a long road ahead, but i am proud that we havent…
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Sunday 23/11/08 What small dfw things have you done today???
:D 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,…
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HELP..Threats to take me to court.
Some while ago I got into debt with two credit cards and a personal loan to the tune of just over £3,000, just over 1 yr ago. I had to retire through ill health and couldnt pay. I went to the CAB at the time where I lived in lincoln. They were brilliant and wrote a letter to my creditors with a financial statement saying I…
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Right, heads together please!
Hello lovely people :D I've got a bit of a dilemma to pick everyone's brains with. I'm a little behind with our mortgage, not a lot as Paul Daniels would say, just a little. I aim to repay the arrear within a few months. The interest rate drop has helped as the mortgage amount has dropped by £160pm so I'll continue with…
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Debt selling
I had three big debts that I had defaulted on when I left work after being made redundant and became a student, and so could no longer afford the minimum prepayments. Up until recently I had agreed monthly payments with each one through the citizen advice bureau. My marbles credit card was sold without warning to Cabot who…
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Help for a newbie!
Hi all... I hope this is in the right place... if not then I will move it (try and move it!) Ok... after getting myself in a silly smount of undescured debt I got to a point where i could not manage all the monthly payments and went with a company which now manages the debt. I pay them monthly and then they distribute the…
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Any good advice to stop me spending?
Hello All :hello: I just started posting a few days ago and am getting into the way of facing up to my debt. Over the past few days the feeling of guilt and "what the hell have I done to myself" thoughts have been increasing, if it wasn't for this board I would probably still be in denial that my debt is ok. Does anyone…
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can anyone help please?
hi there, my friend is having a hard time at the moment, she has just had her house repossessed through not keeping up with payments on a secured loan, she moved out last weekend. she still has lots of unsecured debt...which she has payment plans with most of them where she pays very little each month and the interest is…
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Glasses
Anyone know a money saving way of getting a new pair of glasses that I'll actually like and wear? I have -6.5 L and -5.5 R so need to be the thinner lenses as well as they won't fit in the glasses otherwise!! I can get 25% of at specsavers which makes them about £80 due to having direct debit with them for contact…
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Are They Phishing ???
Hi received a letter from a company called GEORGESON today saying the following Following a transaction involving a public limited company ,Georgeson is trying to contact Mr ####### , whose last known registered address was ########## . Our research shows that you may be the person that is entitled to an outstanding…
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Payplan - "Computer says Noooo" :-(
Been with Payplan for 6 months now - so far so good, until this month. Even though my payment to them left my account on 3rd November, my creditors haven't been receiving the payments until the 18th or later. I phoned Payplan - they said that because they didn't receive my payment 'til the 7th (their distribution day) even…
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messy situation....
Hello, In the past 4 weeks I have managed to make a total mess. Basically I bought some shares via HSBC share dealing (They offer a free 10k share buy "overdraft" instantly). They then collect the money from the current account which should be linked to the bank. I had some money due to be paid back from my ex brother in…
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Some advice please re experian credit score and report
Hi All, just looking for a bit of advice please on behalf of my sis! She paid to view her experian report today as she hasn't checked in ages and there were a few queries. 1/ A ccj she had (which is not 6 years old) is not there any more (obviously good news but would it be on any other cred ref agency? 2/ She paid extra…
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Debt Management questions
Do the Debt management companies pay off all the debt at once, or is it monthly installments? Who gets the fee of 15-17% - the debt management companies I presume. How do creditors benefit? How do debt management companies get their business - is it online or through brokers? Thanks
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Moorcroft
Hiya, wondering if anyone can help me with these people. (don't know if this is the right section to post this) ive put this on already as a reply to someone else having a prob with them but scared it might be missed, i am really scared and don't know what to do. 2-3 years ago i lost my mobile phone and a bill of over…
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DCA default date wrong by 2 years - advice needed!
Hi all, Have another thread about the said bill, but have noticed that the default date is wrong by 2 years. I am going to pay the bill, but how would I go about getting the default date changed to 2004 instead of 2006? Have called the DCA but their offices are closed and need advice before they re-open on Monday! Cheers! A
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PercentClick
Has anybody on here used PercentClick to get cashback from E-bay purchases? I've had a couple of e-mails of them recently and wasn't sure if they were legitimate or not. I've had a quick Google but they don't seem to crop up.:confused:
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Payplan troubles
Hi folks My partner has been with payplan for 6 yrs and was within 1 month of paying it off. Now her balance has been adjusted and she owes another 15 months of payments but only one of the creditors was charging interest the rest wasn't . Any ideas as the interest that would be payable is less than 1 months payment. Where…
