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Cabot Finance
Hi Everyone. I have just recently become aware of the Request a CCA action i can take against companies who can't provide me with a geniune copy etc. Now i am fairly confident of what to do etc, but am not sure on a couple of points so hopefully you guys can help me out. Point 1. If i have applied on-line can this still be…
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Can anyone advise me about my debt?
This is a long story and I really dont know where to start but i'll give it my best shot...... A few years ago I found myself in about £35k debt, was a single mum of 3 and suffering from mental health problems. I was desperate to keep our family home but had a mortgage of £1400 per month, luckily I was awarded a decent…
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Help - Few Questions please
Hello everyone I have a few questions i hope someone can help! First of all, i have a joint bank account with OH, and i noticed this isnt good for your credit rating. If we got rid of this account, will it automatically improve our rating or not? OH only has one credit account and that is his car finance, but because of…
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How often do you look at your bank balance?
I have a fear of looking at my bank balance even though I have online banking AND can look at it on the cash machine. I know this is one of the reasons I spend loads, How often do you all look at yours? Whenever you spend? Once a week? What do you do with this knowledge? I must sound like a dumbass not to read my bank…
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whats this live on £4000 a year
hi there was wondering if anyone could tell me what this live on £4000 a year is all about as ive not been here for long and have just seen it in this forum!! any advice gratefully received. many thanks regards samantha
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New Version of SOA Calculator Live
A new version of the SOA Calculator has gone live. You can access it at its normal address here. What's new? To make the copy and paste of the SOA more fool-proof, I have automated as much of the process as I can and have provided more help too.* The Format for MSE output has been redesigned to make it crystal clear what…
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Urgent advice needed re bank charges
Please can anyone help? I have just seen that my bank have deducted over £200 in bank charges from my current account which has swallowed up more than a week's income so I do not have any money left to live on. To make things worse there are a few direct debits due out of the account tomorrow. I am really desperate and…
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Sunday 30/11/08 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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No wonder we never go out!
Hi all, I don't normally start threads but feel the need to share my shock today! Hubby and I went to the cinema last night to see the new Bond movie. We hardly ever go out anymore cos we are putting everything into clearing our debt, so I was looking forward to this treat. So hubby queued for tickets while I queued for…
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I'm going to do it
Hey some of you might remember that I signed on here maybe 3 /4 weeks ago telling you that I did not know where the money ment each month and I got some very helpful comments back from you all offering advise and suggesting that I complete and post an expenditure chart. Well would you beleive that my pc suffered a big and…
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what has your debt cost you other than money ?
The reason ive decided to get rid of my debt is the fact that it has cost me the love of my life I met her 5 1/2 years ago and was straight with her from the offset I told her about my debt and she was happy to give it a go She put up with no holidays, not going out much etc but it finally got the better of her when i…
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£25.00 debt, Mackenzie Hall
I've just had a very threatening letter from Mackenzie Hall regarding a supposed debt from a moblie phone network provider (Three Mobile) from over 3 years ago. I was pretty sure I had paid this and they do not give any particulars about the debt. Can they really take me to court for this amount? Am I at least entitled to…
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new soa for december
ok so after all the help i've had on here (thanks so much) I have made a more realisitic SOA for December....so here goes! Statement of Affairs and Personal Balance Sheet Monthly Income Details Monthly income after tax................ 545 Partners monthly income after tax....... 0 Benefits................................ 0…
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Coming up to the new year so new me any help welcome
Hi all, for the past few years I have been struggling to pay off the debts due to being bullied into paying more than I could afford, have now been to the CAB and they have sorted out a budget so I can live and pay the debts and not have to struggle so much, I have been selling on ebay and amazon, signed up to cash back…
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Shrug... Where to start..?
As the title says: I don't actually know where to start, I have moved the direct debits to later in the month. I Owe: £8500 on my car £1000 Lloyds Overdraft Bills Pm: £239 Car £100 Rent (mum) £11 TV Licence £10 Life Insurance £73 Car Insurance £80-100 (ish) Petrol £43 Gym Total: £576pm I have a credit card with £3000…
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Chest Infestions?
Is it just me or is everyone lately suffering with chest infections? :confused: I have not been to the drs yet, could not get an appointment before Monday due to the demand but I'm pretty sure I've got it.... so does half my office!
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Trying to figure out spending limits on fun stuff
Hi, I'm just wondering what the best way is to debt free? Is it possible to go 18 months without any treats? Should it be one treat a month, and cutting back on everything luxury, say £40 a week for food, etc? I am still trying to work it all out. Maybe things like clothes and fancy meals are out, I can understand that,…
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No Spend December?!
Having bought all but one of my Christmas presents (should manage to get the other one tomorrow) I would like to make December as much of a No Spend Month as possible. :D I will have to spend £35 on paying for Christmas items that I bought at a recent Avon party (when they turn up in the next week or two) - but am…
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General debt advice please
Hello all After bemoaning my debt troubles with a workmate, he recommended I come here for advice. I've had a quick look around (and often enjoy listening to Martin on R2) and it seems like a very good, helpful site, so I wonder if anyone could offer me any advice as to how I should move forward with my debt. I currently…
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this months spending...advice, opinions welcome
ok so have looked through my statement from 3rsOct-5thNov and after many people on here telling me to do so i went throught it. so here goes: 7oct itunes -79p parcelforce -£20.37 ebay/paypal - £17.84 ebay/paypal - £25.89 ebay/paypal -£13.00 9th oct morrisons - £8.00 mac - £38.95 10th oct ebay/paypal - £8.96 ebay/paypal -…