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*One day to Weybiza!* 31st July Daily Chat thread
Since no one else is awake, I'll start it. :D James is threatening to make me call my tutor if I don't finish my essay today so I'm not leaving the library 'til I've finished the section on Wallis' theory on New Religious Movements. The rest I can do at home. Just 1136 words to go. :eek: My cheque from Simon's cleared and…
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Your help please
Hi all Please look at my 'Frightened to take the first step post for today. Don't know how to link things properly but have put my SOA on there. Thanks :confused:
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had to go shopping yesterday
for a present - My CC stayed at home and i paid cash and it was tortourous - i have been used to punching in number so it never seemed 'real' but it was real being given change back and seeing my crisp bank note sliding into someone else cash draer..
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Help finding soa template
Hi Folks Finally have my act together to do my SOA. Probably being thick, but can't find the template. Anyone help please? Thanks
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I've just been threatened by Triton
Morning all :hello: I've just had a call from Triton Credit Services (at 8am!) who wanted me to increase my monthly payments from £80 to £90, and increase which we can't afford. I explained this and was told that they review cases every 6 months and expect an increase in payment. When I told him they had my SOA and they…
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Friday 31st July - 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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Feeling helpless...overdraft/CC debt
This is my first post here, I have been lurking but didn't have the guts to post... So I had an overdraft with my Natwest account over 2 years ago which was 1500 pounds. I went to about 1450 and then got into a bit of a dilemma. I had to quit my job as I was moving overseas to study (funded by my parents who were willing…
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Best ideas to save money, time
Let's put our heads together, shall we? I have decades of experience making money, and saving money. Many of you do not. BUT... we can still learn from one another. Here are my best ideas that anyone can do, wherever they live, and whatever they do for a living. 1. Stop paying postage to pay bills. Pay online. And don't…
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Think I'm ready to get the ball rolling but.....
OK so here goes.....Im a 27 year old guy and alot of my debt is down to gambling (DO NOT GAMBLE ANY MORE) but some down to mismanagement of income....have been reading loads on here and have finally done my SOA .....i dont currently have all of my paperwork due to moving and losing alot of it but i know i have about 10…
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Settlement offers- any advice much appreciated
Hi guys, Once again thankyou in advance for your advice. I have read so much on here I feel like an expert on all debt and bankruptcy matters. Taking all my knowledge onboard I have concluded that Bankruptcy looks best for me. However, I am thinking about one last offer to my creditors before going forward with it. Is…
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Our journey...
Not in a huge amount of debt, however my loan with A+L will finish in 3 years, in which I pay £200 a month. - This isn't much of a problem. HOWEVER, my credit card. I owe £1500 to Natwest, in which I am paying interest on, here is my plan : Applied for the Virgin credit card with 16 months of 0% interest, and I am to be…
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Are pre-printed signatures on a credit agreement legal?
I've always understood that any legal document has to be signed in ink. You know the sort of thing I mean. The signature of the person signing on behalf of the company is laser printed rather than actual pen ink.
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Barclaycard said no to my offer-what next
Hi Just had letters from my 3 barclaycard accounts saying the offer is not enough and if I don't reply with 7 days, they will be send ing my accounts to a debt collection agency. I have missed 2 months and they continue to add interest and default payments even though I have asked them twice to freeze the interest. They…
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Where do I start?
I am finally in a position to pay more than the minimum payments on my creditc cards but where do I start? which one should I tackle first? I have 4; one with £11k, two with approx £7k and the last with £3k So which one first? Some advice please folks - thanks
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DMP Advice needed please...!
Hello everyone. I am now proud to say that I have finally released my head from being buried in the sand and have decided to face the daunting fact that I am officially in debt!!! :( I have been trying my hardest over the past few months to up my income via numerous activities, i.e. car boots, selling on ebay, etc but have…
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August no spend + £15 a day challenge
As the title says, starting on Saturday the 1st of August i hope to last the whole month with absolute no spending except what i budget for while making £15 a day from ebay/betfair or any other way i can. Il be doing as much overtime at work that i can but this doesnt count for my £15 a day. Debt at the 1st of August =…
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What to do...!
Well im new to the forum but have used some advice from this website for quite some time. I'm just trying to improve my current situation really but not entirely sure if I'm worrying too much!! Ill try to keep it brief but I live alone, work part time as much as possible but am also completing a uni degree full time. Ive…
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Trying to get default off credit file
Hi all, I've been investigating two defaults on my credit file. One of them was for £700 to a debt collection agency in Scotland. I had wrote to them using one of the letter on here demanding a copy of the signed credit agreement and enclosing a £1 cheque. I have had a reply stating that they cannot supply the credit…
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Payday Loans - Cancel Debit Card???
Hi, I have 4 payday loans outstanding. PayDay UK PayDay Express QuickQuid UncleBuck My question is if I cancel my debit card, will this stop these companies taking payment from me. and if so will I be hit by a charge from my bank for these being declined? Is there anything else I can do to stop these payments coming out…
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Triond - Online publishing pays £.... well pennies!
Just rediscovered this account while trying to pay for the car service!... I found that I had posted 2 articles 2 yrs ago and done nothing more with it - yet they had continued to pay me for each click onto an article of mine.... Which meant that I had made..... "drum roll please!" £2.86 for doing nothing at all :j Just…
