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March save on work lunches challenge
Here we are again! After some big successes in our January and Feb challenges, we're off for month number 3! This challenge has been fab for me - I havent bought a single lunch since the start of the year, and I know its served as an inspiration to other people as well. Post if you want to join and clearly write down what…
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Spreadsheet for keeping track of loan repayments?
Does anyone have a spreadsheet they could send me/direct me to that helps you keep track of your loan repayments and see the current totals still owed etc? Anything spreadsheety to help manage money/budgets etc would be good!
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Company car Vs Cash allowance
Hello, I'm new to this site and I'm afraid I'm going to ask a question, which, I expect has been asked a lot on here. I've read and searched for topics on company cars and cash on here, read and digested them. However I want to confirm some things with the 'experts' (you lot!!) if I may. Please bear with my lengthy post, I…
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DMP Creditor Agreement Expiraton
Hi I'm 8 months into my DMP with CCCS and everything is going well apart from a problem with Halifax (Aqua) :( They accepted my DMP and froze interest from the start, but now without warning have started hassling me constantly, with automated telephone calls every day as late as 11.10pm. Anyway I am dealing with this side…
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debts on disability benefit
hi my situation is that i have over 20k in debts i am on disability living allowance and other benefits i will never be able to work again my debts are all on 5 credit cards i own my own home and the interest only mortgage is about the same as the rateable value of the house (N Ireland ) but it might sell for a bit more i…
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The ultimate anti-shopping / clutter guide...
This little book is amazing :D . Read it before the weekend because you're going to want to spend some serious time clutter clearing. Then sell everything you don't want any more to help pay of debts! 'Karen Kingston - Clear your Clutter with Feng Shui' She also has a great website and the readers letters are very…
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negotiating with creditors
i've heard that it is possible to negotiate with credit card or loan companies for a 3-6 month period where you dont pay, or offer a lower token payment. what i would like to know is 1) how to go about this 2) how badly this affects your credit rating and how long it stays on for? thanks
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My 6 month plan....
Ok, here is my plan; below is a summary from a spreadsheet I have designed for forecasting my financial situation over the next 6 months. The goal is to reduce my debt below the £5k mark by August which is when I will approach my bank for a consolidation loan which will free up circa £300 per month. This means no more…
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How many would recommend...
using a local credit union. Been thinking about it as I want to save some cash that my OH doesn't know about so I can give us both a treat, but as he deals with the finances and my wages go directly into our account (and he questions everything I spend or take out of the account cos we are reducing our debts), and are…
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need some advice
hi not sure if this is the correct section, feel free to move it if its not :cry: i bought a car in feb 2008 on a 5 year car loan with ge money. who have now been taken over by santander. at the time I was getting a nice car allowance from work which paid the loan amount, have just been informed by work due to cutbacks bla…
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£30k debts and now redundancy looms - help?
Hi, I'm new posting here. I'm on about £19k a year but owe £30k. Every month (for years) I've been going a teeny bit more into debt but have been reluctant to leave the job I love and fooled myself into thinking that as long as I made the minimum payments I'd be ok. Now I'm at the stage where I can only make the minimum…
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Time to get things under control
I've been a reader of these forums for some time and think it's time I got my debts under control. Most of the debt I have is catalogues and a overdraft I built up while I was unemployed for several years. I'm now back in full time employment and over the last few months I have tackled some of the debts, however some I…
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stressed, confused please help
What can I do with this mess? Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 1 Number of children in household......... Number of cars owned.................... Monthly Income Details Monthly income after tax................ 1470 Partners monthly income after…
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CCJ - pay or not to pay
Hi there, I know this may seem like a silly thing to ask but here goes I have a CCJ from August 2008 that i have not paid yet. I have come into enough money to pay that debt. I also have other debts as well. Is a CCJ more of a priority payment? It started on 560£ and is now on £300. If i pay it, how does it affect my…
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Council Tax Issue - Bailliff at Door
I owe the sum of £650 an outstanding council tax - A liability order was granted in 16/07/09 but made an arrangement of to clear the balance but now have an outstanding of £290 which has now be passed to bailiff. The bailiffs now want an additional £181.50 . My gripe is that this is the first time i have heard from the…
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Full and final settlement
Hi, i owe £8k to a DCA and my family have offered to give £3k to offer as a single payment in "full and final" settlement. Is this figure acceptable in the world of DCA's? What is the average figure if there is such a thing. This debt has been passed on twice so the DCA probably bought this for no more than £1000. Please…
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Help insurace by instalmenst on DMP
Hi, My house insurance has gone up to £60 pcm, so I need to change supplier. I can get it half the price pmc with AA. But I have always paid by installments and have been with my supplier 5 yrs. If I change to AA they charge interest, will they do a creidt check and if so would they allow me to pay in instalments? Also if…
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S.R.J. TalkTalk, Tiscali
Hi all This is just a summary of the outcome with Talk Talk (formally Tiscali). After the Trace Confirmation that S.R.J. sent me on the 07/01 current, I did nothing, as they didn’t indicate the origin of the debt, and had no reference to any client, and no amount due. On the 25/01 current, I received a Pending Litigation…
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How to negotiate settlements?
I'll sum this up without too much detail. I owe Barclaycard £2900. I've been regularly paying little amounts off during the last few years, and this has now been passed to Calders, having heard nothing from Barclaycard/Mercers for some time. I negotiate a £5/month payment with Calders - I agree. They tell me they can offer…
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Debt Recovery rights?
Hi, Im new to this and have finally decided to try and correct my Credit Report as much as I can. I currently have three default notices on my credit expert report. One is for a Barclaycard debt, one is for Capital One and the last is for T-Mobile. The total sum of debt of all defaults is less than £1000. The Barclaycard…
