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Please offer any advice on my problems
Hi my partner went bakrupt last year through her own choice due to mounting debts froma previous relationship the ex decided not to bear any responsibility for. and was easier than chase for it. therefore I am the only credit worthy person in this relationship. i believe it easier to list my affecting criteria to my…
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The secret millionaire
I have just been watching a TV series on C4 called The secret millionaire where John Elliott, a life-long supporter of the Conservative Party, and one of the richest people in England temporarily moved to a poor district of Liverpool to find people in need which he could give money to. To do this he temporarily left his…
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Can someone remind me please...
of the name of that other book auction site - Green something - I've been wracking my brain and searching but can't get it
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Mortgage - Debt?
I dont have a mortgage at the moment.. but I was wondering If I did have.. would I count it towards my "Debt Total" or would I jst see it as something I have to have? Jst wondered what other thought when it came to their mortgage?
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Debt Free By December 2007 (Hopefully)
Light bulb moment 26th July 2006.:idea: I have sat down with my partner and calculated how much debt we are actually in. Credit Cards(Will get back on the APR) Capital One- £ 986.7400(Limit £1,000.00) Barclaycard- £ 1,365.00(Limit £1,500.00) HSBC Card- £ 492.82(Limit £485) Loans Tesco Loan- £ 5,765.92 HSBC Loan- £11,258.52…
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dfw changed the way I think.
Its changed my life lol. I need a new mobile - one that doesnt cut me off in the middle of calls with offers of work. I'm with virgin mobile so I go through quidco to virgin nd find anice payg mobile. Its 79.99 and I wont pay that. I then registered as a virgin customer and the same phone goes down to £69.99. better I…
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credit info
Hi Just to let everyone know, currently 15.00 (11.12.06) money box live on radio 4 is about credit reports /agencies etc. It might be helpful if you want some details. If you miss the show you can listen again via the bbbc radio 4 website
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Im A Debt Free Wannabe!
The time has come to take the challenge and get myself debt free! Im going to get a list of all my debts and outgoings and also income coming into the house and hopefully make a start on being debt free. :T :T Already I feel like a weight has been lifted so if you lot will have me id like to join the club :D
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Credit report - quick question
I have obtained my credit report and in regards to my current account I saw a few things I didn't understand. I will paste it below and then put my question after it!! Name and address: MRS x x x x x x x x x x x x x x x x x x x x Date of birth: x x x x x x x x Company name: ABBEY NATIONAL BANK ACCOUNT Account type: Current…
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Debt, working and child care....advice
hiya all, not sure if this is the right place to discuss this, but i am doing everything possible to clear out debt off, will be signing up with cccs, which our monthly payment will be £595 and i have found myself a job, which i start next month, roughly monthly pay will be £528 before tax and all that, then after that i…
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Help, Dh's xmas pressie!
Have already got one of his presents which is a book but he's said he wants a certain game for xmas which spoils it as I want it to be a suprise! Do you think I should get him the game he wants and rely on his other gift to be the main suprise or should I get him the game and something else smaller, or just get him…
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Charity shop bargains
Hello all, As I'm sure many people have noticed, charity shops have become very careful about what they're selling these days, & they seem to price things quite highly making bargains hard to find. I though it might be helpful if we all listed the kinds of things that we've had successes with to give each other an idea of…
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Hmmm so i wanna be debt free....
I've been on the mailing list for this site for ages now and i've always tried to be a canny buyer (haggling in curry's for 20quid off with free delivery etc) Also look for best deals with the ol' cash back sites... pigsback 5 free cd's (re-sold on amazon) and 10quid boots voucher so far.... mutualpoints 55quid to date....…
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Are you going to have a debt-free Christmas?
Is being a MSE-er helping you to be strong and have a debt-free Christmas this year? Imaging hearing all the moans about the size of the CC bills in January when you can smile and think "I'm SO glad I didn't do the same thing." You'll also avoid the complaints about the kids not playing for more than 2 minutes with the…
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very much on my own
HI, tonight I felt very much on my own when oh said that because I had made reference to money was tight (coming up to xmAS) i was cause him stress and I didn't know what to do?? anyone felt so alone?
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advise me please im in a dilema!!
Am new to all this so please bear with me, i have just this week lost my job was weekly paid and had only been there 6 months so only have my week in hands money to come then that is it nothing (a very scary thought ) DH also will find out this week if his job is safe his co just been taken over and they are laying people…
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DMP & Strange MBNA/Virgin Statement
Hi all... I received a statement from Virgin CC today - my first since being on a DMP. It's a weird one! I owed them £191.68 (my lowest debt :) ) the statement now says I was credited £190 for a Late Fee Adjustment. So now I only owe £1.61. Weird...I was confused - then happy - then thrilled - then dubious... There was no…
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Another milestone! Nearly there!
Yay! My debt dropped to less than £400 today! I have only two more payments to make and then I'll be debt free! :T :T Thanks all on here - I don;t post here much any more but these boards saved my life! :A Good luck to all other DFWs!
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Merry Christmas all fellow DFWs!
Hi All, Well, what a year I have had and a lot of you will feel the same. I don't like being in debt - non of us do but as many of you are aware from my thread on here, that my debt was not my fault and even though it is gone now, this is the time when we are feeling it the most. Right now I barely have enough cash to get…
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soa to send to creditors
Does anyone have a spreadsheet or a template for an SOA to send to creditors, I'm writing to them all to request that they accept smaller monthly payments.