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Not getting into more debt wannabe
I don't know if this is the right thread so someone please move it if needs be. Basically up until September last year we were managing fine with all our bills and debts, that is until my husband lost his job. Luckily he had savings but now those have all been used up and despite him applying for every job he can he…
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Congratulations PAP!
PAP has just announced in the daily spend thread she has passed her Driving Test so a huge congratulations to her. Way to go PAP. :beer: :j
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DD Learning How To Use Spreadsheet and Manage Money in School
DD came home yesterday and said they have been learning how to use spreadsheets to work out what they spend and how much money they have left each month etc. They were given an imaginary £250 salary to start with and had to add things they purchased that month to it, then to find out what they had left at the end of the…
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Help!! I need advice about Welcome Finance
I have just spoken to Welcome about voluntary termination of my car. The minimum half term amount is £5160. I have paid £3503 so I thought I owed £1606 and was going to use some money I have been left to get rid of this debt as I am desperate to reduce my monthly outgoings ( I pay 236 a month for my heap of scrap!! Having…
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I am tired of this
Thankfully this last month I have managed to save a few quid. Because today DH has not been paid, that means I can not pay any bills mortgage or council tax. Basically when DH changed his bank details for his salary he gave the payroll dep the wrong details. This has totally mucked up my day, I am on a very intense college…
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amazon - which figure
Hi folks Sorry, but just ordered a really good book on amazon at a great price. Also through in another one, but not sure which price I have to confirm on the final shopping basket figure. one states: amazon. co.uk order summary @ £11.33 and the other amazon. co. uk . marketplace order summary @ £20.39 Don't want to click…
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How to reduce shopping bill please?
I have decided that my weekly shopping bill needs to improve and are looking for some advice???? Family of 4, 2 adults and 2 children ages 13 and 10. My weekly shopping bill can be £100-£120.00 I have to make packed lunches for everyone everyday, and then there are evening meals, snacks and household groceries. I am trying…
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CCA query
Hi All I know that there have been a few posts on here re asking for your cca agreement from creditors but I got a bit befuddled trying to trawl through them! We have numerous loans and credit cards which we are in the process of paying off through CCCS and some of these have been transferred to debt collection agencies.…
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Help we're sinking....fast
I really don't know where to start, sorry to sound so vague. I have been married to my husband for over 20 yrs and have always been left flabbergasted at his attitude towards money. To cut an extremely long story short, he has many credit cards that he has had difficulty paying off for years. In December he was taken to…
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Selling your unwanted bits and bobs....
Hi all! Other than Ebay and Amazon, is there anywhere else I can sell my bits that I no longer want/need in order to raise extra wonga? I've been a naughty girl and ebay kicked me off so I cant sell there - didn't like them anyway! :p Thanks!
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Advice for my Debt please :-(
Hi all. I'm just about to buy a property and have a little debt I would like to consolidate. Below are my details. Debt: YB Visa - £1500 Nationwide Loan - £1300 Completion Fee on Property (bill) - £3000 Resources: Virgin CC 0% BT - £4000 Limit Cash - £2000 I wish to free up £2000 though for furniture for my new house and…
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CCA Liverpool Victoria
Hi I was wondering if someone could offer me some advise... I had an insurance policy (contents) with Liverpool Victoria . Towards the end of the policy I stopped paying as I could not afford it . I never made a claim . They sent me a letter about two months ago stating I owed them £70 so I called and asked them how I owed…
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strange request - can anyone help?
Hi This may sound strange one, but i would be so grateful if someone could help me. Last week there was a programme on debt ' tonight - new year debt buster'. I think it was on Friday night. Basically they spoke to people that were in debt especially after xmas, etc, and running up cards, etc. They also spoke to a woman…
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HSBC lost credit card payment - pls help!!
Hi everyone, I hope you're all okay!! I have a problem with HSBC and would really appreciate your advice! I made a payment to my HSBC credit card 24th December 2007 using the machine where you pop your pay slip and cash in the envelope and into the machine! The queues were huge so this seemed the easiest way! Then 2nd…
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Student Debts Linger
I have a student overdraft and a student credit card that needs paying off asap so i can be free of Loylds TSB once and for all. Any tips on how to pay off this burden, other than the wages i already earn (i am trying to pay them off with my wages but it doesnt seem to make a dent in them!) Each month i go overdrawn and…
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debts not yours
Hi all, I am wondering if anyone can tell me if i suspect a debt that is done by identity fraud how should i write back to the debt company or should i contact the police? Thanks, value
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Please help with my SOA
I have finally sat down and wrote out my SOA and it is worse than I thought. I am writing this how I think it's meant to be but if it's wrong I'll apologise now. I have done as monthly payments (4 weekly) although I do understand some months are 5 weeks. INCOMINGS: Hubbys wage (take home) £927.00 W.T.C £197.40 C.T.C…
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Another call for help
Hi Our situation is feeling pretty desperate & while we know there are folks worse off than us it feels like we are staring down the barrel of a loaded gun right now. Basic debts of £9,000 on overdraft & credit cards - we switched card balances in November but are struggling to make a payment at moment. Currently paying…
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Newbie
Hello everyone I'm not sure if I have posted in the right place, apologies if I haven't. I have been trying to pay off my debts for a few years now, paying them off more than usual for a couple of months then spending on the cards. I finally had enough of this and took out a £6200 loan (plus interest and PPI and interest…
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How long can a Court Order be set for?
My son was ordered to pay back £70 a month for some money he stole from his father. At the time of sentencing I heard one of the Court Ushers say that the order can only be set for 18 months. We cannot find out anywhere if this is correct. Can anyone help. He has been paying the money back every month and tried to make…