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Help with Amex cancellation
hi All, I have just started a DMP with Payplan and they are at the "contact creditors" stage. Now, I am not in any arrears or behind on any repayments but as soon as Amex were contacted they sent me a nice letter saying they would be able to help me if I kept them informed of my situation. Fair enough...I thought.... Then…
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Take home pay on 26k?
Does anyone know roughly after tax, ni etc has been taken out of a salary of 26k a year how much you'd actually take home? A job has come up which would be a 7k increase for me, and just wondered how much extra would be in pay packet?
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Credit Score
I'm going to get my credit rating report and was wondering how long it takes to disassociate yourself from people that you ahve previously lived with or how long it takes to challenge anything.
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Pixie's Catch Up Thread!
Hi Guys, I hope you dont mind me starting this thread but I thought it would be a good way for me to keep track of my progress and also to keep you guys updated too :) I recieved my second dmp statement this week and my debts have been reduced by over £800 which is amazing because before my dmp making the same payments the…
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Ppi
Quick query on PPI... I have it on both my credit cards as I was advised by the credit companies (grrrr) at the time that it was a good thing to have. However, the general impression I get from the board is that PPI is a bad thing and should be cancelled. What do people think? I am in contract employment (or will be in 2…
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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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Personal Finance course from the Open University
Have just discovered that the OU is offering a new course on personal finance called 'You and your money: personal finance in context'. The course covers saving, borrowing, insurance, pensions, long term planning etc. It's a 1st level course, which means it is not too scary, it's an entry level course ideal for those who…
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Company Validity
Hi, I am in a massive quandary, and rather confused, I have tried phoning through to the BBC 2 show but am always unable to get through, so my only alternative was to send a quick email, I do apologise as I'm sure you all get 100’s a day, this really is a Last Resort, but this small confirmation for me about a company’s…
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Need help to clear debt befoe uni starts in sept
Hi Everyone. Would appreciate if any have any advice. It all started when me & my partner bought our first home 2 1/2 yrs ago. We couldn't afford a decent home on our wages, so my mum said she would help us out with a joint mortgage in mine and hers name. So we bought our dream house. My mum is paying 1/3 of the mortgage…
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Is it possible to clear £10,000 in one year?
Was very excited to find this website - it's exactly what I've been looking for! For one reason or another, I have got myself into lots of debt over a few years.... But now I've made a bet that I can clear it in 365 days, finishing 14/08/06. Maybe a very foolish bet. I've tried to set up a website -…
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should i pay now or wait?
Hi, I just need your opinion. I've got a debt with Lloyds TSB (7.9%APR) which will be fully paid in 14 months. My monthly payment of which is £327.49. I asked for an early settlement figure and it breaks down to capital plus interest £4717.30 ERF £ 59.25 Total balance to close £4776.55 If I wait until the end of the loan…
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what can i get her, any suggestions?
Hi everyone! It's me and my fiances 5th year anniversary on friday and I'm stumped as to what to get her! don't want to do the usual flowers and choccies thing so any ideas would be great! Best Wishes Luke:beer:
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Letter From Cabot Financial
Hi i just wondered about a letter ive recieved .. it was addressed to the "occupier" .. and asking with the upmost importance that they contact a mr *** ******* who was listed on their files at my address and then goes on to say that if the info is no longer correct could i kindly call them so they can update their…
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Hello - newbie here!
Hello all :wave: I am a newbie on the forum but no newbie to debt I'm afraid. I owe roughly £14,000 spread over 13 different companies, pay just over £40 a month in total. This debt was personal debt built up whilst married - split up, got divorced, skint as a skint thing on skint day! However this was a few years ago and…
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I confessed my debt to OH - didn`t go so well.
I am in debt by £3500 or so. I took out a loan to pay off my cards, cut them up and haven`t looked back since. This was 5 months ago. I currently pay £102 a month. My boyfriend, daughter and I are planning on getting a house together, so I knew that now was the time to confess all. It went down like a brick in a fish tank.…
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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…