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Debt Collection Agency - Debt Write Off?
Hello, I have been dealing with 1st Credit Ltd (DCA) in regards to arrears on an account/loan I had previously had with Barclays Partner Finance. I received a letter from them today, saying they are making an offer of a 70% reduction of the total owed. I would pay £3000 by the end of August and then the balance would show…
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Make £10 a day July 2016 Challenge
Hello and welcome everybody :hello: This is the 107th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
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What was your first car?
Hi, Thinking of getting a KA for around £800. It's all I can really afford. My friends say it is a good idea yet my dad tells me it will be a waste of time and money as it will be full of rust and prob need lots of money being spent on it. My dad would like me to spend around £2000 on a car which is out of my budget. My…
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NST July - Own your choices
Hi All The main theme for July's challenge is choice. We all constantly make choices in life, financial and otherwise. This month I want you to make the choice to be 100% debt free forever. Whether that is credit cards, ODs or Mortgages they all count & only you can decide that is what you really want and move towards it.…
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Pay off £10k in a year challenge
Hi to anyone reading. I am challenging myself to pay off or drop £10k of debt in one year. If I snowball my debts I can reach £8,629.85 so need £1370.15 in extra payments. I am going to have to push myself to reach the 10k mark. Anyone is welcome to join in with any figure they like. You can count debts you have paid off…
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The Ultimate Biggest Losers - counting the pennies, losing the pounds
This is a thread for the Ultimate Incentive threadies, and anyone else who would like to join in who would like to lose weight. We've been clearing debt together in my Ultimate Incentive diaries for about 6 years, now we want to battle a different kind of pounds as well. I've found as I've gotten older life has gotten…
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Make £10 a day April 2016 challenge
:hello: Hello and welcome everybody This is the 104th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
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Make £10 a day June 2016 Challenge
Hello and welcome everybody :hello: This is the 106th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but…
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1 debt vs 100 days chapter 22
Hello everyone! Regular challengers and newcomers! 1 Debt vs 100days chapter 22. There's one , simple rule: choose one debt and do whatever you can, to pay it off within 100 days. This challenge starts on 28th March , Easter Monday 2016, and finishes on 6th July 2016. If you want to take a part, please write your name…
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NST June Challenge
NST June – How did it get so late so soon? It’s night before its afternoon. December is here before its June. My goodness how the time has flewn. How did it get so late so soon? Dr. Seuss Welcome to the new Monthly NST (Ninja Saving Turtles) Challenge! NST's are a group of Money Saving challengers from across the UK (and…
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Frustrated
Ok new to this......... I would like to pay off my overdraft and my credit card totalling 4k, fed up with paying all the charges and not getting anywhere fast, what's the best way forward, cheapest Apr I can find is 13.7%, still seems quite high? any suggestions Please.........
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Pay off Argos by Xmas 2016
Hello Newbie here (although i was a member years ago) I hope this is what this section is about but i have set myself a challenge to pay off my Argos store card by Xmas of this year I owe around £1400.00 on it but have a new set of circumstances which has freed up some spare cash so off i go Yesterday i paid off an extra…
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Tomlin order
Hello everyone, I've recently negotiated with a solicitors a Tomlin order whereby I am required to repay £700 PCP until April 17. The problem is my circumstances have since changed and my monthly disposable income has reduced significantly. is there any way, once a Tomlin order is in place, the repayment amounts can be…
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£4000 for 2 implants... please heeeelp!!!!!!!!!!!!!
Hello Thank you for joining me Spire Dental made a quote for me for 2 implants for £4000! They will be doing extraction of UR4 and UR5 and placement of 2 dental implants, in addition for the same teeth I have already paid £440 and they did also ask me £45 for the initial consultation with the Doctor Basically in total I…
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Payment A Day Chapter 16
*The principles of PADding* Emily Hallett started a fantastic thread called 'a payment a day' which you can find via going to this webpage (sorry it won't work for me right now) The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why having hit 200…
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Make £10 a day May 2016 Challenge
Hello and welcome everybody This is the 105th month of this challenge, which was first started by Batgirl, in September 2007. Thanks to Batgirl for starting it, Rawdinosaur, Emmaglet, Nat21luv, Monkeynut, Sweetpeas, Purpleroses, JesaRose, MizMir for keeping the thread going. I know this first post is long, but please read…
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NST: May the NST force be with you
May the NST Force be with you Ninja Saving Turtles May Challenge We are already into the fifth month of the year Turtles. The days are getting longer; people are more into socialising on these light nights; and some of us just fancy a treat to ourselves now the weather has picked up. We must not lose sight of our goals…
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Debt advice needed - 60K
Hi I'm in need of some advice please. I currently owe around 60k worth of unsecured debts. Both loans and credit cards. All racked up through gambling, which I am now seeking help for. Amazingly I have kept up to date with all payments until now. I can no longer keep up with working 12 hour shifts 6 days a week. I have…
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£80K CC debt but not living in UK
Hi, I would appreciate your advice. I left UK actually about 8 years ago and I have been trying to honestly service my debt (about £80k now) from abroad without missing any payments. Cost is about £3500 every month, but my debt is not reducing at all. Now, my situation has changed dramatically and I need to move back home…
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removal of phone cable line on window
Hello, I bought a flat a few years ago and i’m not in the process of replacing windows. The problem is that one of my windows (wooden ledge part) has a telephone cable running through it – i think this must have happened when they converted the property some time ago. I assume that the cable belongs to BT as it runs to a…
