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What's Snowball?
I have been reading the DFw for a few weeks and notce that most people have in their signature a snowball date? What is it and how do I do it? :o
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C&G Mortgage and Lloyds bank debt
Hi All I have been lurking around for a while, but haven't had the courage to open up as yetyes, I know you all sound really friendly and don't judge....... I have been paying token payments to my creditors for the past four months. This was done on advice from CCCS who worked out my SOA. I have been on Mat Leave, so my…
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what have you spent tues 27/06/06
Keep the what have you spent thread :grinheart mine should be a non spend day as off for a 10hour shift at work in a minute but i will update later, good luck everyone :rotfl:
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CC Charges Refund - Confused!!
Just got this month's dreaded credit card statements :eek: I'm a bit confused because Sainsbury's have refunded 3 charges from last month, without being asked..??! Now of course I'm happy that it's £75 quid less that I'll have to pay, and I am intending to ask for a full refund of all charges (if I can get off my big !!!…
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Case study needed
Hello, I write for First magazine - a new EMAP publication that is aimed at intelligent women in their thirties upwards. I am writing an article about the 40th anniversary of the credit card and am looking for a case study to accompany the piece. I would like to speak to a woman, aged from late twenties to early forties,…
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:D spot of good news..for a change!
well folks, couple of goodies today! firstly i paid money of my cc which takes me less than £1000 on one of them, not much but it's a digit less! secondly i cancelled all my store cards and cut them up, i've been really good about not using them, but i suppose it's a little less temptation. thirdly, and the best in my…
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newbie needing help
hello all, I have credit card with about 900 on it paying 0% till sept but just found out partner has a credit card with over 2000 on it and paying interest and he has another with about 300 on it and paying interest on that too. He wants to consolidate all debts i am not so sure that is the right move help.:confused:
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Good News thread 27/06
Just thought I'd start a good news thread with mine: I've got an interview in Lytham St Annes on Friday, which will enable me to move up to Blackpool to move into my OH's place! :j Everybody keep their fingers crossed for me please....Thanks! :D
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Hello, good evening and welcome
My salary - £1,200 (variable plus or minus £50) Total - £1200 Monthly Outgoings: Mortgage/Rent - £325 Council Tax - £50 Gas - £ Electric - £25 TV License - £5 Sky £40 Phone - £20 Food - £40 Car Insurance - £0 Petrol - £0 Life Insurance £0 Egg Loan - £183 First Direct Loan - £276 Barclaycard - £60 Personal - £150 Total:…
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Really, really need some help and update!!!
Well to those of you that helped me last time, thanks and if you wondered where I dissapeared to, my ex came to the house whilst I was at work and took the PC!!!! Left my ring in exchanged!!, I know I could have gone to the police, but got too much on my plate anyway!!! Just got to concentrate on me and my daughter.…
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Cabot Financial giving me trouble
Hello there - I recently got a letter from Cabot Financial asking me to ring them. There were no details regarding what I should ring them for, and as I have had dealings with debt collectors in the past I knew to ignore it until further info was forthcoming. A couple of weeks later they wrote back with details - basically…
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Spending diary
Just wanted to say to anyone considering starting a spending diary - DO IT! A few people advised I should do this earlier this month. Not only have I kept within budget, I've paid £200 off my credit card and lost 4lbs as i've not bought all the usual food crap that I buy. Hubby commented the other day that we've eaten…
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Unfair college fees any advice please
My partner was doing a entry course for university. Unfortunately we couldnt afford to pay for the minder each week so we decided that she woudl refer the course to september having completed one term of the year long course. SHe has just been notified that under the colleges new rules and funding she will not be allowed…
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mystery shopping....Gym!
I found this in a magazine that was sent to me. Ive had a nosy on the website and it looks genuine enough. Ive searched on here and I dont think its been posted before but apologies if it has. Basically its similer to mystery shopping and involves you going along and signing up to a gym and completeing questionaires…
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Consolidation Loans?
Is a consolidation loan worth it? I have an HSBC Visa card and o/draft and combined they are at about £5k. HSBC have asked me would I like to consolidate these with my personal loan. I know the interest rates are better for the loan so is it a good idea to put all my eggs in one basket and pay off one combined debt?
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Confused by Credit rating
Hi all, I just thought i would get a credit rating from experian see where i was at now and then I thought do one quarterly to see how i improve. Strange though when i received my report it included cards such as Debenhams Store Card with nothing on it and HSBC CC which is clear. They seem to be present but i thought i had…
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Oh no!!
I've just spent a week's budget in an hour!! I spent my £10 spends on lunch for my friends birthday. I don't begrudge her it or anything, but I bought her a pressie and went out for dinner for her birthday on Saturday and that cost £22 (for dinner) I prefered it when I was tight and no-one asked me to go anywhere!
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Buchanan clark +wells
Help ... i had a letter through from this company about 4 weeks ago saying that i owed £41.65 .. which had been passed to them by British Gas I contacted British gas who said they would investigate the claim because the dates that showed on their records i wasnt living in the address ... anyway i got back in touch and they…
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payplan set to go
Next month is our 1st payplan payment, today i got the justabank details it fineally feels like things are moveing forward in the right direction
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CCCS Being Unhelpful
I am having some problems with finalising a reduced payment with one of my creditors as [part of my DMP. I have been in consultation with the CCCS through me organising my own DMP and have managed to agree reduced payments now with all of my creditors except one. Barclaycard are refusing to accept my payment offer of…