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Digital switchover - is it cheaper to stay with virgin or sky
I am currently on a contract with Virgin Media, which covers TV broadband and phone. Its not the cheapest package, generally around £30 per month, but I decided to look into freeview as our analogue signal is switching off after October. Also because I don't really watch much TV. Apart from the cost of the freeview box I…
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poor service from solicitor
After my father passed away in March without making a will, myself and brother and sister decided to contact a solicitor to make sure the estate was handled correctly. There was a mutual agreement between us and even though I am the youngest, but probably closest to my Dad it was decided that the main funeral arrangements…
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How to start paying back debts.
Hi all, I'm coming here for a bit of advice on behalf of my partner. She has got herself into a bit of debt over the past year or so and has been trying to make payments with little or no success. Recently, she has been in contact with her two mobile phone suppliers and other account that she owes money on and has received…
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DCA changed date on default..what now
Hi all i have posted this a while ago but was advised to only start to challenge it now. I had a debt that shows as defaulted on my credit file ORIGINALLY in October 2003. So it should come off my file this coming month. The creditor sold the debt to a DCA who changed the date of the default to 2005, and the balance showed…
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Help - don't know what to do?
Hi - you may have read some of my previous threads about the situation wit hmy bank. I knew this would be a difficult week, but wasn't sure just how difficult. I have opened a basic bank account with another bank and am still waiting on the number etc to arrive through the post. My salary was paid into my old bank account…
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Be Optimistic in October & join our NSD Challenge!
Well folks, another pristine 31 days are ready to trip us up in our fight to be frugal & the question remains; who will win the battle? Have I tempted you enough to pledge to our Cause...... Do you fancy keeping the cash in YOUR account rather than giving it to the retailers? Are you saving for that “something special”?…
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Had a small Windfall....
Well I am still in shock, as tomorrow, we were going to go for a Scottish Trust Deed. We are currently in a DMP but so far only 2 creditors have agreed. We have come into a bit of money which would be enough to clear of 1 c. card @ £4600, 1 @ £3600, next bill of around £800 and 2 x overdrafts totalling 2300, (this has…
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Want to see the wood not the trees
I have started my diary many times but now my desire is just to not fear the postman. I worry everytime I hear the letter box got that is something else to pay. I am most disorganised and have absolutely no idea how good or bad our financial situation is and I guess I am scared to find out. I just spend, dont know on what…
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Confused
I have a lower interest rate on my Alliance & Leicester credit card than on my Lloyds one but my monthly payments in relation to what I owe are higher? Why is this? I want to do a balance transfer as I have a low rate offer for 6 months on the A&L card but am put off by the fact that my monthly payments may be too much for…
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Monday 28th September - 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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Tell Me Why, I Don't Like Mondays ****Daily Chat Mon 28 Sep****
Ey up gang :D Who knows, maybe today will be a quiet day :confused: But then, it is Monday :( ;) Have a good one all :)
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CapQuest Troubles
Hi, not sure if this is precisely the right place to post this, as I've only just joined, but... Earlier in the year, I set up a repayment plan to pay off a debt which I had owed Halifax, but had been brought by CapQuest. At the time, I found them somewhat rude and pushy, and foolishly allowed them to talk me into paying a…
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Sell house to downsize and to repay debt.
Please could anyone give opinions on this please. For the last 2 years we have been wanting to sell up, but never got round to it, our house is worth approx £150K, yes we do have unsecured debt due to hubby being unemployed etc and paying token payments at the moment. We purchased our house early 2000's and we do have…
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Can somebody help a newbie please? BCW "debt"
Hi everybody, I hope that somebody can help me with my problem. Yesterday I received a letter from Buchanan Clark & Wells saying that they were instructed by Npower to recover an overdue debt of about £280. Now, on the letter it's written that the supply period was from 01/12/2006 to 04/08/2009. First of all, I wasn't in…
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Tax bill - shinloa hitting the fan
Hello, I am in quite a desperate situation, I have been trying to cut my debts down for months, but now I have a problem that seems to have cut short my hopes of making it out of this mess. I have about 12k of debts owing to various suppliers following the collapse of my business last year. I closed around the time I…
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Tips for positivity
Hi all, Sorry if this is the wrong bit of the forum to write in. I have been reading the forum and MSE in general for months and it has really helped me to sort out my finances and my life in general. I have moved back home and am spending the bare minimum on everything, hence why I havent put my SOA's on here. So far in…
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Weekly Spend Challenge W/C 27th September
This challenge used to run every week (thanks to Moozie and PAP) but I have not seen it in a while so I hope no one minds but I need this to keep me on track ... Hello everyone . Welcome to the weekly spend challenege. This challenge is open to anybody, no matter what financial place they are in. On this thread please post…
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Need Help
I owe around £30,000 on credit cards, loan and to HMRC. I have finally sat down and worked out my budget. After taking into account essential bills - mortgage, utilities, insurance - and estimates for food/car running costs etc, I have around £200 - £220 per month left over from my salary. Currently paying £735 per month…
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Time to face upto things
Hey all, Well I've been lurking on these boards for a while and I've now decided it's time to take stock of my finances and stop keep hiding my head in the sand. Let me try and give you a bit of background as any help suggestions or cut backs would be greatly appreciated!! I'm currently 29 and currently earn a good wage.…
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can you change dmp
Hi Can anyone tell me if it ok to change dmp, I am with payplan, and I would like to go with CCCS. Thank you
