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Should I take First Plus loan?
Help, help. I just come to terms that my debts are now crippling me at £22,500. I've applied for a loan through Freedom Finance and they've come up with a loan from First Plus. Is this my only alternative - my credit rating is not great but not really bad. Any advice would be grateful.
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claiming back bank charges from HSBC
has anyone done this? they are going to send me my statements and they waived the £10 fee. they are being dead nice! what are other people's experience of them? thanks.
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Reclaiming my bank charges - a little help needed!
Hi I think I'm being a bit thick and i was hoping someone could help me. :p I finally have my statements from my bank. I have been adding up all my charges, just about to send my letter to the bank asking for these back but i want to make sure I've got everything down correctly. This is what i have done. Anything on my…
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Getting bored of it...
Whilst I'm really excited about making steps to pay my debts off, and happy to cut back, its such a slow and at times frustrating process, and lately I'm starting to get really, really bored. I'm fed up of not being able to go out for meals or just a few drinks in the local. I'd really love to do something like a dance…
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Has money ever caused problems in your relationship?
Have you ever argued with your partner over money? Do you have totally different ideas on how to handle cash? Does one of you earn more than the other - and does that cause problems? A glossy magazine is running a feature on the impact money can have on relationships, and we'd love to hear your stories. If you'd be…
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Debt Advice
Hi Guys, I'm trying to clear all my debt that I've accumalated over the last couple of years. I have 3 credit cards with three different lenders totalling £18500. Card One - £3000 Card two - £4000 Card three - £11500 I currently pay every month in total £365 which is really about the bare minimum to pay off, I know it'll…
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Not sure what to do?
Hi My son is coming up 21---he is away at Uni and going in to his 3rd year in September.He has lived with his dad, my ex, for about 3.5 years. He is the youngest and he decided when his dads second wife left him and he was own that he would go and keep him company. It is only a few streets away from me and he calls almost…
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babysitting charges
Can anyone in the know advise me what the going rate for babysitting is now? I am thinking of trying it to supplement, but I do not have a clue what I could be earning. I could do it when I was 16, so hope that I still remember how, thanks, mocolo
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what have you spent today - 3rd july 06.
absolutely nothing. but did spend approx £30 on groceries in the weekend :) is it antiquated to keep calling them groceries i wonder...
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Instead of buying why not try freecycle?
If you need something, such as laminated flooring, kitchen appliance or even a kitchen, car, tyre, anything really, why not see if you can get it through freecycle first? I have amassed quite a lot from many people who need to get rid of things and everything has been in perfect working order. I had problems with a…
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Another milestone bites the dust!
I'm always well chuffed for people when they manage to pay something off or get past a little milestone, it really spurs me on to reign myself in when I feel myself slipping, if other people can do it, I can do it too! So I looked at my online banking this morning and made an excess payment of £31 and now my loan balance…
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Goals for week commencing 2 July
I don't think anyone's started this week's goals thread yet. This is my first week, so thought I'd jump on the bandwagon. Here's last week's: http://forums.moneysavingexpert.com/showthread.html?t=217531 And mine are as follows: 1) Close ISA 2) Use ISA money and interest to completely pay off career development loan (£8k)…
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SOA and update
Have done the SOA - not sure how this works so started a new thread hope that's ok! Also spoke to L&G today and was shocked to find out my endowment worth £18,400 to cash in at moment - 2 years ago was £11,400 - now I am even more confused should we cash in to pay of debts or carry on until 2013? Why is this so…
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What Have You Spent Today Sunday 2nd July 2006
Apologies if this thread has been started already...I just couldn't see it. I am aiming for a no spender today. Good luck everyone for a zero spend as well if possible, and I hope you all have a lovely Sunday whatever you do. x
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PayPlan, CCCS, or just me?
Hi there - In April I started to face up to my £17,000+ debt. That month, I scheduled an appointment with CCCS. I had wanted to have the appt on the weekend but the first woman I spoke with said it would be next to impossible to get an appointment then, so I scheduleed them during work hours and ended up not having…
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How Did You Find This Site?
I'm gutted because I can't remember how I found this sanctuary! :( I've got the feeling I typed "dealing with debt" or something into google but can't for the life of me remember! :doh: All I know that is I'd probably be £40,000 in debt if I hadn't found it! :o
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Bank accounts/Overdraft Fears
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Iva
Hi, Just wondered if anyone knows much about IVA's. My OH is in the process of setting up an IVA and I would really like to hear from someone who has or is currently in one or can offer me any advice. Would really like to know the credit rating effect, obviously all the accounts will default at the time, but does it clear…
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5k to pay off what is the best way of getting the funds?
Recently we were lucky enough to pay off our mortgage with a family loan of to cover the shortfall of our savings. We were hoping to pay this back after 12 months but circumstances have changed and we are probably going to be approx £5k short. What is the best way of obtaining this 5k without incurring interest (or lowest…
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Barclaycard = evil
I owe thousands of pounds on my mother's Barclaycard. I was recently diagnosed with depression and erm.... I indulged in some 'retail therapy'. I went overboard in May and spent around £2500. The statement has just come in and Barclays are demanding £936 as a minimum payment by July 6th!:eek: The overall debt on this…