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Accurate SOA - My first effort was weak!! Help Apprciated
Hello, I posted this earlier today, a few people pointed out a few problem with my SOA - thanks for that. I have had another effort and am confident that this is pretty accurate. Again help desperately needed - and appreciated: I have had a look at the various options and really don’t want to face bankruptcy. As I…
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Quidco
not sure if i have posted this in the right place but just wanted to say a HUGE thank you to whoever introduced me to this site - it is BRILLIANT!! anyone got any savvy tips on how to make money from thsi without actually buying anything? so far i have signed up for free trial to a magazine and to blockbuster DVD rental.…
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Some advice please if I may.... plus also card from 'someone'....
Hi, We are in debt down to a custody battle. Everyone is fine with the situation as we write each month and give them updates. However, we are being hassled by one company we owe money to - my husband lost his job due to being ill and has started another. We sent them a FS but when we told them he was working last they…
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IVA's
Can any one please give me some advise on IVA's!!!!!! Don't really know if this is the right thing for us? Thanks :o
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Gutted
Just wanted a moan. My OH managed to get a job after 2 years. Worked like a horse for this last 2 weeks having being begged to go and work there by the owner of a business as he (the owner) was desperate. Got his first wage last Friday...we were jumping up and down with happiness...making plans for the future. This…
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Unsecured loan to pay CC debt??
I have been lurking on the board for a while and the advice of the members has helped and inspired me tremendously.Now I'd like to ask my own question and see what advice comes back. I have approx £6600 of CC debt split as follows £1974 Halifax 0% til Sept 06 then around 15% £399 NatWest 0% til Nov 06 then 15.9% £4235…
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Disaster
Really there is no other word to describe our state of affairs other than disaster! I joined this site thinking that I had indeed had my 'LBM' but NO:( Things have turned so bad now that my house is up for sale and we have no way of buying another property.....we are going to rent a flat. Our credit rating is low, mine…
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My SOA. Any suggestions?
Hi everybody. I joined the forums about two weeks ago and have been browsing the main site for much longer. I've now got around to doing my SOA. I'm not too worried about my debt althogh i was brought up in the "Old fashioned way" of if you don't have the money don't spend it! In my adult life i've gone off the beaten path…
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Bad day yesterday
Hi All My turn to have a moan! went to see account manager at my bank (LTSB) yesterday for an account review - her reason for inviting me was to try to 'save me some money' (which, being cynical - probably correctly - I tend to interpret as her trying to flog me some of the banks products). Basically she went through all…
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Little bit at a time...
But every little helps said the old lady as she pee'd in the sea! (thanks Dad for that one) I have been 'overpaying' my debt bills for a few months now, that is things such as catalogues, ikea card, credit card etc. Even if I can only manage a couple of quid over the minimum payment. Like to think I have not got too much…
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Helping my Partner
Good Afternoon, I've recently been through my partner's finances so that we could plan our future and actually make the things we want happen (engagement, wedding, new home, holidays etc). I'm actually seeing the light at the end of the tunnel with my debts as I should be totally debt free by August next year. However my…
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Just need a vent!
Last night dog managed to nearly kill my phone - not a biggie, phone is insured and the replacement will be here tomorrow (£25 excess *sigh* not a problem with a £400 phone tho!!) then this morning OH was leaving for work (2 nights away each week in Kent booo) and someone had left the window open on the passengers side and…
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DFW Sun hol tokens- remind me, who wanted them?
Dont all fight at once I know one person wanted some this is what Ive got token 2 ( on the voucher) token 10 token 3 token 5 token 4 4 hotmail bonus token - i think you can only use one of these per application Discuss here who wants what
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July benefit challenge -here we go
Ahh a new month, a new hangover... Updating starting figures as have changed leccy supplier etc recently, but factor/ bus pass gone up.. Ok. JSA@£57.50 for 4 and a half weeks = £258.75 Bills to deduct Gas/electricity £47 House insurance £17.54 Factor £8.74 BT £28 (inc.internet) Bus pass £34.50 Car not counted (would sell…
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Terrible situation - advice desperatly needed!
Hello, Firstly apologies for this very long post. I figured that the more info I provide the more likely it is that someone will be able to give me some good advice! As with most people’s posts that I have read this morning on here, I have had a really bad day and woke up to the fact that I’m in a HUGE mess with no way…
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Bank Charges Query
Hey All. Posted a few times on here already and received a lot of useful information. However I have a few questions about reclaiming bank charges and I couldnt find any specific answers when I searched the forums. I do apologise in advance if the answers are here somewhere, but I am blind and I couldnt see them! :rotfl: I…
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stupid electric companies argh!!!
well after getting thouroughly hacked off with scottishpower (usual story estimating bills despite getting actual readings, big debt uilt up by end of year yet no contact from them to say so!) i did uswitch then quidco to transfer to british gas. fair enough, not gonna save me much but at least scottishpower have been told…
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New job
Is there any way of finding out how much tax and national insurance that has to be paid on wages :D
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Debt Matters - Are these another loan company?
I just saw an advert on TV for a company called Debt Matters. The advert goes on about how they offer advice and simple solutions. I found their website here http://www.debtmatters.co.uk/ but I can't help thinking they are a consolidation loan company and if so the advert is really misleading.
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When was it acceptable to spent £6 on ...
shampoo:eek: I'm running out of a number of items which I had bought before my DFW days such as shampoo, conditioner, shower gel et al. I was looking at Boots.com last night for some offers and just couldn't believe I had been spending £6 on shampoo. What on earth has been happening? Why did I think before my DFW days that…