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Business Owner? Then this might be for you!
I was looking on the competition forum and found this - a comp to have 1000 bags printed with your company name. Hope it helps chev http://www.theprintedbagshop.co.uk/competition.html:D Edited to add - Answers are 1 C 2 B and 3 A
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11.5.07 what small dfw thing will you do/have you done today?
Good morning people, newbies and old timers! It's Friday :j 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…
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Getting desperate...help!
Hi I am around £20k in debt now, it's from credit cards and a loan. I really don't know what to do, and am usually in tears over the fact i can't afford the repayments. I manage to pay, but it leaves me with barely enough to live on. I think i have cut down where i can, but am sick of having to say no when people ask me to…
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What have / will you spend today Fri 11th May?
:hello: Hi all, Still feeling rough, but dosed up to the eyeballs so I'm back at work this morning! Could be a rather expensive day for me; £3.95 Breadmaker book for OH's birthday - £5.99 in Lakeland and more expensive on eBay too! :T £4.15 on Choc, coke (confort food) and two jobs papers £8(?) on some jogging bottoms -…
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Unsolicited callers-IVA's
Just lately ive had several calls from insolvency firms offering to 'reduce my debts' (how do they know i have any?) Its a tempting offer to many in a society where debt is now an epidemic, what they dont say of course is that if you go down this route your credit rating will be ruined for years. More to the point though…
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Advice needed for a student.
I dont have that much debt, but I owe £1200 in student fees, and £1100 to a HBOS credit card, and another £1700 to an interst free credit card I want to pay off the student fees and the HBOS card I went to the bank to see about a £2500 loan today but I would end up paying back £4100 which seems excessive in my opinion. I…
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Is there anything I can do about this?
This is probably a bit cheeky given that I've paid up already, but this morning Fredrikson International sent me a letter concerning Full & Final Settlement (I paid them on Tuesday but they sent the offer in writing anyway) saying I could settle the account for £265.90, only on the line above the amount listed as…
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Pets & Debt
Does anyone else get disapproving looks from people when they reveal they are in debt, because they have a pet? I've had at least 3 people ask me how I can have a pet if I can't afford it. Cheeky (my lop-eared house bunny) only costs me approx £2 a week - and that covers everything, food, hay, even vet bills and vaccines!…
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Update on Bunny... (bunnyinthelights)
Just had a text from bunny. They're in the new house and apparently it's a tip and she's madly cleaning with bleach lol. She sends her love and says she hopes all is well in DFW land. :)
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Snowballing
Hi Can someone out there please explain to me the term Snowballing; I have a very large amount of debt,done the usual things of starting to reduce my outgoings. My credit worthyness is very poor so will not be able to do bt's,called Barclaycard and got them to reduce my interest rate to 6.9% providing i spend £50 p/m Any…
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An SOA Update
Hello Everyone, I don't post anywhere near as often as some of you, but wondered if you could possibly look at my updated SOA. Income 2200 (Me) 2009 (DP) Outgoings Mortgage - 750 Endowments - 33.97 + 36.95 + 74.26 Life Insurance - 33.53 (condition of mortgage) Council Tax - 116 (looked into re-banding and then found that…
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are we doing the right thing?
hi all, at the moment we have 25,000 of debt 10,000 left on a halifax unsecured loan at 7.9% payment of £300 till sept 2010 and 15,000 split between 3 credit cards all of which are now at top interest rate 0f 15%-16.5% paying around £250 altogether. the credit cards arent coming down at all and we feel like it will be…
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No 1 ever said life was fair but no 1 said life had to be a struggle.....
one more day blurring into another what is the whole point of this s***? When i was made i was out of s***. Nothing is going right. For example, getting theses creditors (or as I visualise them "pigs") of my back, is a contiuous strain. My debt in comparison to others whose debts can be #100,000+, is #10,000 approx. But…
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Help - missed a mortgage payment and no where to get the money
Firstly let me say I commend you all... I want to be debt-free just like you. Our problems started three years ago when I went on maternity leave and started buying for the new baby ... and three years later we have just bought a house - just and our first mortgage payment has just been refused by the bank and I don't know…
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FREEVIEW Box for less than £19
from 13 May at Aldi http://uk.aldi.com/sunday_special_buys/productnl_204.html Just thought this might be useful for DFWs who are looking to cut down their TV expenditure. You can of course still receive the free to air channels through your Sky box even when you've cancelled your subscription but for £19 I thought this was…
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[b]help - Ex Husband Debts[/b]
Hi, I am a single divorced Mum. When I was married my husbands past caught up with him and it was revealed he owed thousands of pounds to banks etc. As I was pregnant at the time and thought we were going to be togther I got a loan out to pay off the debts. I have proof of all of these. We were then in 'good debts' of…
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Advice please. Bank charges
Hi all. First thread. Hope it's in the right place! I travel a lot and indeed am overseas at the moment. I got a letter from my business bank account in Scotland which I never saw stating that they are now charge £15 a month for the account. I suddenly have £55 debt from the several months that have passed. I only found…
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Full and Final Offer - advice if possible please
Hi We received a letter this morning from RMA resolve who have taken over our American Express Card debt, saying that they are please to inform us etc that based on your good payment conduct, you have been selected for a settlement offeron your current outstanding balance We had to ring them to discuss it all. We have been…
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Quidco easy money?
What are the "easy" money sign ups on quidco i should be looking out for?
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i.v.a's
i am currently in an i v a with debtmatters and want to know if i can still challenge my old credit card companys as this is where my debt problems began