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Overpayment of wages from Ex-Employer!
Good morning Money Savers, I come to you all today for a little advice - it appears my Ex employer has over paid me by almost £500 and want me to pay this back. I'm not really sure how to word this so apologies if I don't make sense.. I started working for the company in November of 2014. I signed a contract of employment…
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Unenforceable debt with Cabot
It has been suggested I post on this thread rather than loans. As briefly as possible, Cabot bought my merged credit card/loan/overdraft debt from HSBC 3 months ago. My debts with HSBC date back to 2003 and became a managed loan when I defaulted in 2006. The bank didn’t formally default me until 2012 however. I have been…
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Howard Cohen court proceedings
Hi, I am a newbie so hoping g I've listed in the right place. I have received a Directions questionnaire N180 from the court as Howard Cohen solicitors are taking me to court for claimant hoist portfolio. They are referring to a debt from 2012 that they apparently took over in 2016. I am Aware if a couple of outstanding…
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1 debt vs 100 days chapter 29
Hello everyone! Let's do it again, our 1 Debt vs 100 days challenge chapter 28. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 23 April 2018 and finishes on 1 August 2018. If you want to take a part, write your name and amount you're aiming to pay…
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Aug 18 | 15 ways to save Challenge |
The Challenge Write down 10-15 ways you can save / make money and track how many times you do them over the course of the month. You should at least aim to do everything on the list once. For each task you do is 1 point . There are no 'real' prizes but it would be good to see how many 'points' we can all get by the end of…
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Glorious July's NSD Challange.
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of July Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1. Decide…
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~Make upto £10 a day July 2018 ~ everybody most welcome
Hello and welcome everybody :hello: This is the 131st month of this challenge, which was first started by Batgirl, in September 2007. A link here to the original thread as I am sure some of you are interested to read where it all began. Thanks to Batgirl for starting it. I will be handing over the reins at the end of this…
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NST 07/2018 - Survive July!
* The challenge runs from 1st - 31st July 2018 * NSDs - if you like to monitor NSDs, choose either the gentler target of 13 or the stretching target of 20 - or set your own somewhere in between! Usual exceptions (fuel, YS items, medical (inc for animals!) etc) apply * Remember others - donate money/ items/ time to a…
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Settling debt collection early.
Hi all. A real newbie, so hoping I've posted in the correct forum. In 2012 I had run up personal debts via 2 credit cards and 2 loans of circa £40k. As I was no longer able to meet the payments, a friend acted as my 'agent', contacted the 4 companies and negotiated for the interest to be frozen and manageable amounts to be…
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asked for copy of contract
Hi, on the 19th may I asked robinson way for a copy of my signed contract dating from 1999 for a debt I had with HFC bank, I sent my £1 as asked. I have received a copy of the contract today, 28th July a total of 69 days after I requested it. Am I right in thinking there is a time limit to when they can send it. I am…
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the £1,000 project
This challenge is based on the book & challenge originally created by Canna Campbell entitled "the $1,000 project" The book is £9.49 from Amazon for the kindle copy. The challenge is to create little Parcels of £1,000 $1,000 through passive incomes. Canna Campbell had the goal of creating 40 of these parcels, meaning she…
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June bring your lunch to work
Welcome to June's bring your lunch to work, hopefully now the weather is getting better :) Feel free to post what you're having/planning/eating for lunch as this may give others a idea of what to make and I'm always up for inspiration. There are 21 working days up for grabs. Let me know if you want to join in and I'll add…
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#Make upto £10 a day June 2018# Everybody most welcome
Hello and welcome everybody :hello: This is the 130th month of this challenge, which was first started by Batgirl, in September 2007. A link here to the original thread as I am sure some of you are interested to read where it all began. Thanks to Batgirl for starting it, lynnejk and ALL posters, for helping us to keep the…
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NST June 2018 A JUNE ODESSEY (Staycation)
NST June 2018 A JUNE ODESSEY A Staycation Getting into debt is much easier than getting out of it. We turtles have rejected the notion that possessions make you happy. We give up fleeting pleasure in favour of debt freedom and having the life we always wanted. We help each other, encourage and console when times are hard,…
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Jolly June's NSD Challange!
This challenge is about setting yourself a weekly / monthly target of how many No Spend Days you would like to try and achieve during the month of June. Keep us updated with your progress and hope you all enjoy the challange. To join, just post your personal target and you are on your way. Tips for the challenge; 1. Decide…
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Council Tax Single Persons Allowance Help
Hi I live in a property have sole responsibility for the council tax. I have a lodger but I am the only wage coming in for my bills. Am I entitled to any discount as I am a single person the only one paying bills in the property? Probably a stupid question but worth asking you never know
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Remortgaging from interest only and to clear debt
Hi, I'm after some advice please................. We are currently on an interest only mortgage and with my OH turning 50 we would like to change to a repayment mortgage. We have equity in the property of about £230k and was hoping to clear debt of around 80k ......I realise that's massive, but we got into trouble about 6…
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June 2018 Envelope Budgettiers
Do you do envelope budgeting? Do you look weird in the supermarket taking out envelopes in different categories? Does Weird feel good? Then this is thread for you. Rules Each Budget is personal to you. If you assign £200 a month to food then you can only spend out of that envelope. If you forget the envelope then you cant…
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Save Up To £6K by end of 2018
Anyone looking for a new challenge? I was planning my budget for the next 7 months and realised I could save quiet a bit if I stopped giving into impulses. I am currently in supported housing so my costs are reasonably low but even then if I was in my own place I could save easily £8000 if I budgetted. I will admit I do…
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Credit Card Minimum Payments
I have been looking at a friends credit card statement as they are having trouble paying it off. The minimum payment comes out by direct debit. Is it legal that the minimum payment is less than the interest charged for the amount outstanding?
