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**cringe** MY SOA
hi folks like so many other folks, i have 'stalked' here for a wee while, but have finally got the guts to seriously look at things. I have done a SOA - which was tough - still need to look at the various calulators etc - but one step at a time is fine. I'm sure I've missed things off here too, but i'm sure you kind folks…
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unregistered address
Hi Not sure if this is the right forum for this question but as it's the one I normally browse I will post it here ! My address is not on the postcode search ie when entering postcode and house nunber only ...we dont exist !!. The house numbers stop at 12 and begin again at 18 and I live at 14. When applying or registering…
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In a DMP & about to come into some money.
I am currently about a year into a Debt Management Plan which I arrange all by myself with my creditors. At the start of my DMP i was £26,000 in debt. Now I feel alot happier that I have agreed reduced payments with my creditors and I can actually see that balances coming down(slowly) and I am not paying extortianate…
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Need to make £65 before 31st October
I need to pay another £65 off the debt to hit my October target. I have no money coming in from quidco/mystery shopping until next month. I've listed a few bits and bobs on ebay that have 5 days remaining and I have a couple of books on Amazon. Sold most stuff a couple of years ago. Any advice on how to do it?:o We have…
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Reclaiming Charges whilst on a DMP
Hi everyone, I have a quick question for you. I am on a DMP with CCCS and was wondering if its possible to reclaim charges whilst on a repayment plan. The charges won't put me back in credit but will help repay the debt quicker. Does anyone have any ideas? thanks. ps. keep up the good work everyone this forum is…
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Job interview - any advice for me?!
So I've been job hunting for a few months now since I graduated... prepared to do whatever really... shop job etc until something better comes up. But I found out yesterday that I've been shortlisted for a really nice job - the interview is on Monday! :j :eek: Its about an hour and half drive away... would mean moving out…
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up to my ears
Hello all, due to various reasons including ill health and unemployment I have found myself in the situation of being in such a mess I don't know exactly who I own and how much :o Most of my debt, if not all, has been sold on to debt collection agencies and I am not sure if I am really at the stage where there is nothing…
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My SOA
Hi gang - I've never posted an SOA on here before (I think) but I have been watching the advice you have given lots of DFW's for the past year or so and I think I've trimmed my budget down quite nicely now but if you can see anything daft, please say so :) Income: £1,342 Rent: £200 Car Insurance: £27 Phone: £37 Halifax…
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Default removal
Not sure if this is correct section, but I do wish to be debt free. I have a irritating and somewhat small default on my credit history which is doing some pretty serious damage IMO. It is for £63 from Telewest, I moved house and didnt realise I owed them anything, no bills came. First I knew was when I checked my report…
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Help with Food Shopping
Hello there just a quicky i have a couple of debts but under control and hoping to have them paid off within the next year. One big problem is when i go to a supermarket or even the corner shop for a pint of milk and come out £40 worse off! There is only my partner and i at home and he works offshore so away at least 2…
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afternoon tea?
After all the talks of politics/labour/the way the world is going I think we all need a little "chill-out" time.:D So I'm inviting you all for afternoon tea once again (I am considering making this a weekly regular occurance-If any1 thinks this is a bad idea please do not hesitate to let me know!:o ) so there is tea in the…
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bad luck/good luck
I just wanted to say that after having a horrible day yesterday (look at moozies how much will you spend today thread) we have had a little bit of good luck today (I think!) oh went 2 get an application form yesterday and was invited for an interview today!:j he was supposed to be interviewed from 11am-3pm:confused: but at…
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back from the brink - thanks to all your support...
hello all, some of you may remember me from a few weeks ago when you all kindly advised me....(the name has slightly changed because i couldnt remember my details and had to register again!) anyway after listening to all your advice, I have been very positive. made some difficult phone calls that I have been putting off…
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Need to share with you....
Today is my DFD!
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Obtaining a Mortgage with a Partner in Debt - SoA now included
Hi I am currently in a relationship where I have a mortgage on my flat and my partner is not on the mortgage at all. In the future, I would very much like us (and he would too!) to eventually buy a flat/house together but the issue is he has debt from before I met him - lets say just over £20K. (SoA on later post) I do not…
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My Debt free diary
Well a weird first week facing up to my debt. I have worked out my debts and I'm owing £313.15 on an EGG Card and £9111.84 on my TSB personal loan. Just wanted to say thanks for all the initial help with my SOA which I will take in to account. I have taken a couple of positive steps and realise I need to take control of my…
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Anyone work for AQA?
Hi all, first post ever! Just wondered if anyone here works as a home researcher for AQA. I have just applied and think I stand a very good chance but just wondered if anyone who works for them could tell me a little of how the system works. I need the extra cash to support my girlfriend and baby thats due on New Years…
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Making a full and final offer
I owe about £11,000 to HSBC which is currently in the hands of Metropolitan Collectoin Services who have been OK and agreed a token payment of £2 per month until I am 135 As the doctors have confirmed my disablement is permananat and because of it its a long shot that I will be able to work at my own senior managmement…
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Amazon
Just about to post my first sold books! Just wondered if I could send them second class rather than first? Also, one of them is really close to where I work. If I just post it through the door of the person, will there be any comeback about them paying for postage?
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The Credit Card Shuffle
I *think* I understand this and am about to start with my first fifty pounds left over at the end of the month (I know! How good am I? Thanks to everyone in my previous SOA post, soon I'll do the signature bit too) So, any tips? success stories? I am also getting the credit reports this weekend (it's a boring weekend cos…