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how much salad could you buy for £6.50?????
Made a sandwich for lunch and unfortunately had to eat it as 2nd breakfast. So today I was working in Kensington and when work colleagues went into a trendy cafe for lunch, I thought I'll just get something small.... The "small salad" was a selection of 3 salads, and came on a side plate. It didn't seem to be advertised…
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Dmp
How much does a DMP with ccsc effect your credit rating, I am really struggling to meet my monthly repayments £725, although I only have two year outstanding on my loan account which is £631 of that amount. Don't want to consolidate again and have cut expenditure back to £200 per month, food, petrol, cat food, day to day…
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Bank Charges and DMPs
I reckon over the last six years HSBC have charged me 10 gizillion ponds in charges ( well not really if only!!! i reckon it must be near the £1000 mark) my query is can i claim these charges back even though i am about to start a DMP and i have CC and OD debt with HSBC - if i get the charges back i can clear some of the…
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Coming into some money
Looks like we will be inheriting some money soon (should be nearly £3K but for various reasons the actual sum will be under £1k) and was wondering what people would do with it. Becuase of its source I don't want to throw it at the debt mountain even though I know that that would be the sensible course of action....I want…
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I need advice/help
Hi, I have suffered from bipolar disorder and borderline personality disorder for about 10 years now, (I'm 23) and have struggled to hold a job too long. I went to university, but with all the GP visits, psychotherapy, psychiatrists, and other specialists, I didn't have time to do both so I had to leave uni. My job used to…
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Crapquests idea of what we should pay
We did a full SOA, breakdown of debts money available and money owed. Well it came out at £3 per month for Capquest. They ignored this offer so we we sent it again and phoned them. They refused. So we have £3 to offer them. They are offering us payment options of: 1. 12 months at £90 2. Settlement of £810 3. £316 payment…
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Mystery Shopping Thread?
I know this has bound to have been gone over before but I just cant find it so could someone PLEASE PLEASE PLEASE let me know the website of decent mystery shopping firms to register with? Sorry for covering old ground! Thanks:o :o
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Motorway rip-off pricing
I had to drive my daughter back to University yesterday, and I expect many on this forum will be doing the same over the next couple of weeks, so we will all be moaning about the prices, petrol, food, fags etc. that the Motorway Service Stations can get away with, in the interests of Supply and Demand. There is, however a…
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Can you claim charges on a mortgage?
Not sure if this is allowed? Just remortgaged and have about £600 in charges that were cleared today ... can i reclainm them from Abbey?
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Missed 1 egg payment and they have issued a default notice - can they do this ?
Humph!! My DMP is starting on 1st October have missed ONE payment with egg (AUG) and sent them 40% of the minimum payment for Sept as a token two weeks early and they have issued a default notice. I have kept them informed by letter and email of my situation and they have gone ahead and issued,,,wrote back to them today to…
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Newbie wants to be debt free looking for help and support
Hi I've been reading this forum for a few weeks and have finally waken up that I need to sort out my debt. I've listed everything I can think of. I have an overdraft facility of £1500 (interest costs around £5 per month). My dh doesn't know about my debts (except Cahoot loan - for car) and for now I can't tell him. Please…
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Pre Litigation report?
Could someone please tell me what this means? We have recieved a letter informing us we are due a home visit to carry one out. Yet again our lazy record keeping and debt ridden past is creeping up on us. ''Just when I thought I was out, they pull me back in'' lol
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Dinner dilema and pressie to boot
In my wisdom I invited my hubby's two best friends and my best friend for dinner tomorrow - its one of their 40th birthdays and now I need to shop for a) Dinner b) Booze c) Presents I promised a huge roast so Asda is on my list of things to do but any suggestions regarding pressies for a 40 year old man on a what is going…
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Lazy & in Debt - motivation needed!
Hello! I have been receiving the MSE email for a while now and usually take a lot of advice from it but I really lack motivation and that is why I thought I'd come and post on here. My total debt is around £6k plus I have a car on HP with about £7.5k left to pay (wish I'd never gotten the thing!) my problem is I know how…
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I am a stupid money waster!
Please don't laugh or think I'm freakily stupid but I've just realised something which could save me a bit of money each month. Stop having acrylic nails! I've been looking at my budget for areas to cut back totally ignoring this one thing. How stupid am I? I've got so use to having them, I suppose I forgot! Bet you think…
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my soa and new problem!!
hi all me AGAIN if you have read my other thread you will know about my dh recent work problems...today my dh went for an outpatients appt and was told he needs an op on his arm in two weeks which means he will be off for 6 weeks at least then 2 monthsish after he is better he will need an op on his other arm gosh!!! so…
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I'm nearly there....
Received our endowment compensation this morning, have put £1000 in my ISA, Clearing my Amex as soon as the bill comes, and paid £100 off Natwest.( It's 0% so there's no rush to clear that) It finally feels like I'm almost there, after 2 years of constantly having credit card bills to pay.I know I've still got an overdraft…
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My remortgage has come through
I have taken great pleasure in cancelling my direct debits to my mortgage company and parasitic loan company - named and shamed ... PARAGON
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Three debts paid off!
This is a bit buried in my diary, but Ithought I'd blow my own trumpet (not something I normally do!) Yesterday I got my first full month's moneyin the bank from AQA - £900.30. I paid off in full Next £122 Mint CC £382 OU Masters fees for 2006 £441 (I had a bit in the bank from work towards this if you thinking my maths is…
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Luxuries you mourn and those you don't miss
Obviously, being and staying debt-free requires a change in lifestyle, and is not just a tempoary period, but with that in mind: What 'luxuries' have you given up in your quest for a debt-free life that you are eager to ingulge in once the debt is cleared? What are you suprised at how little you miss or can do without?