Frugal Friday – Voucher Codes, Discounts & Bargains 18 May 2012

May 18th, 2012

Sacks for Sale 150x150 Frugal Friday   Voucher Codes, Discounts & Bargains 18 May 2012Frugal Friday

Highlights this week include 25% off at Dorothy Perkins, 30% off at Gap, 40% off and free delivery at The Body Shop, 100 bonus points at Superdrug, last chance two for one Vue Cinema tickets, 20% off at Southern Railway and £24 off season 1 of Boardwalk Empire!  …………

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Frugal Food

This week we’ve got new and extended restaurant deals from Pizza Express, Ask, Bella Italia, plus its Dine in for £10 time at Marks & Spencer, save £20 with the latest Tesco grocery coupons,save 20% at Thorntons, get free tea with orders at Whittard and nab some free treats in the upcoming Crusha Milkshake Tour!

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Save Money on UK Legal Documents

May 14th, 2012

UK Legal Documents 150x150 Save Money on UK Legal DocumentsHiring Solicitors is VERY Expensive!

OK I am not saying that you can cut out solicitors completely, but one way to reduce your costs is to get certain legal documents on-line.

Looking for DIY legal documents written in plain English, which you can edit without lawyers help? Net Lawman is the supplier of the most comprehensive set of legal documents, legal forms and legal advice online.

Net Lawman say “Our organisational goal is to provide highest quality, cost effective, easily accessible legal services to the World. We operate strictly in ‘plain English’ and know that the way forward for businesses and legal firms alike, is transparency and comprehensiveness.Give services in the united kingdom, we use our in-house team and increasingly, third party solicitors not connected with us. Our in-house legal work is headed by Rajeev Goswami. His team are versed in the jurisdictions of many countries.”

Here are Some of the Categories They Deal With:

Commerce and Business
Company
Partnership
Consultancy and Self Employment
e-Commerce and IT
Land and Property
Agriculture and Equestrian
Employment
Health and Safety
Family
Personal and Consumer
Wills
Intellectual Property
Terms and Conditions

So why not click on the link below and see if they have any documents that you might need:

97084 Save Money on UK Legal Documents

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Frugal Friday – Voucher Codes, Discounts & Bargains 11 May 2012

May 11th, 2012

Sacks for Sale 150x150 Frugal Friday   Voucher Codes, Discounts & Bargains 11 May 2012Frugal Friday

Highlights this week include £5 off a £20 spend on clothing at Argos, 15% off all lingerie at Debenhams, up to 30% off at Habitat until Sunday, up to 40% off kitchen appliances at Currys, half-price crime books at Amazon, and the entire Harry Potter box set for £29!. …………

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Frugal Food

This week we’ve got new and extended restaurant deals from Ask, La Tasca, Pizza Hut, GBK and All Bar One,feed four for £5 each at Domino’s, nab a free 500ml tub of Ben & Jerry’s all over the UK, a free Brit Kit Kat and try to win a Whittard luxury hamper worth over £200!

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Using the internet to get out of debt

May 2nd, 2012

Using the internet to get out of debt

Not everyone has the golden touch, and some of us need more help than others when it comes to getting our finances back on track. Luckily, there is more help out there on the web than you might realise, including comparison sites, debt charities, budgeting apps and guides (and, of course, this blog!) Here are some of the top resources for money-saving advice:

 Organisations

There are plenty of organisations out there that can help you get out of debt – some charities, some commercial. If you’re struggling to pay your mortgage and can’t find a buyer for your house, for instance, there are property buying firms that help you sell your house quickly. If it’s day to day money saving or debt help you need, charities like the Money Advice Trust or Credit Action can offer free, professional advice.

 Apps

  • Cashpointer – this directs you to the nearest cashpoint in your area, and more importantly, tells you whether it charges a fee. No more wasting money on withdrawing money!
  • mySupermarket Mobile – a simple price-checking app that compares the prices of most groceries across the main supermarkets in the UK. Run your shopping list through it to decide where to go.
  • Skype – a fantastic mobile app that gives you free calls to other Skype users, allowing you to downgrade to a cheaper tariff.
  • MyVoucherCodes – search for money-off vouchers on restaurants, shops and entertainment venues in your area.
  • iSpending – a handy way to keep track of how  much you’re spending and where, helping you to identify areas where you could cut back.

Price comparison sites

Whether it’s your energy provider, mobile phone tariff or holiday operator, chances are you can find a better deal with just a few minutes of research. Sites like uSwitch, Moneysupermarket, Gocompare and Confused all offer easy ways to view the best deals on the market, but make sure you use multiple comparison sites before making a decision. Consumer group Which? has a great guide to price comparison sites that will help you get the most out of these valuable resources.

Guest Post

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FEDERAL BUREAU OF INVESTIGATION – SCAM

May 2nd, 2012

FBI Logo 150x150 FEDERAL BUREAU OF INVESTIGATION   SCAMI am owed $850,000.00 by the FBI

It must be true, look the logo is even on the eMail header!!

OK this really does have to be a scam, as I have never parted with $850,000. Would the FBI ever send me in the UK an eMail? Also would they ever suggest that I contact someone with a Yahoo address, to get my money back?

Here is a copy of the eMail that I was sent:

FBI Logo 150x150 FEDERAL BUREAU OF INVESTIGATION   SCAM

Federal Bureau of Investigation (FBI)
Counter-terrorism Division and Cyber Crime Division
J. Edgar. Hoover Building Washington DC

Dear Beneficiary,

Series of meetings have been held over the past 7 months with the secretary general of the United Nations Organization. This ended 3 days ago. It is obvious that you have not received your fund which is to the tune of $850,000.00 due to past corrupt Governmental Officials who almost held the fund to themselves for their selfish reason and some individuals who have taken advantage of your fund all in an attempt to swindle your fund which has led to so many losses from your end and unnecessary delay in the receipt of your fund.

The National Central Bureau of Interpol enhanced by the United Nations and Federal Bureau of Investigation have successfully passed a mandate to the current president of Nigeria his Excellency President Good luck Jonathan to boost the exercise of clearing all foreign debts owed to you and other individuals and organizations who have been found not to have receive their Contract Sum, Lottery/Gambling, Inheritance and the likes. Now how would you like to receive your payment? Because we have two method of payment which is by Check or by ATM card?

ATM Card: We will be issuing you a custom pin based ATM card which you will use to withdraw up to $3,000 per day from any ATM machine that has the Master Card Logo on it and the card have to be renewed in 4 years time which is 2015. Also with the ATM card you will be able to transfer your funds to your local bank account. The ATM card comes with a handbook or manual to enlighten you about how to use it. Even if you do not have a bank account.

Check: To be deposited in your bank for it to be cleared within three working days. Your payment would be sent to you via any of your preferred option and would be mailed to you via FedEx. Because we have signed a contract with FedEx Express which should expire by the end of this month, you will only need to pay $200 instead of $500 saving you $300 So if you pay before the end of this month you save $300 Take note that anyone asking you for some kind of money above the usual fee is definitely a fraudsters and you will have to stop communication with every other person if you have been in contact with any. Also remember that all you will ever have to spend is $200.00 nothing more! Nothing less! And we guarantee the receipt of your fund to be successfully delivered to you within the next 48hours after the receipt of payment has been confirmed.

Note: Everything has been taken care of by the Federal Government of Nigeria, The United Nation and also the FBI and including taxes, custom paper and clearance duty so all you will ever need to pay is $200.

DO NOT SEND MONEY TO ANYONE UNTIL YOU READ THIS: The actual fees for shipping your ATM card is $500 but because FedEx have temporarily discontinued the C.O.D which gives you the chance to pay when package is delivered for international shipping We had to sign contract with them for bulk shipping which makes the fees reduce from the actual fee of $500 to $200 nothing more and no hidden fees of any sort!

To effect the release of your fund valued at $850,000.00 you are advised to contact our correspondent in Africa the delivery officer David Sunday with the information below,

Name: David Sunday
Email: davidsunday@yahoo.cn

You are advised to contact him with the information?’s as stated below:

Your full Name..
Your Address:…………..
Home/Cell Phone:…………..
Preferred Payment Method (ATM / Cashier Check)

Upon receipt of payment the delivery officer will ensure that your package is sent within 48 working hours. Because we are so sure of everything we are giving you a 100% money back guarantee if you do not receive payment/package within the next 48hours after you have made the payment for shipping we the Federal Bureau of Investigation(FBI) will get your funds refund back to you with immediate effect

Yours sincerely,

NICHOLAS STORY
FEDERAL BUREAU OF INVESTIGATION
UNITED STATES DEPARTMENT OF JUSTICE
WASHINGTON, D.C. 20535
TELEPHONE: (206) 414-1408

Note: Do disregard any email you get from any impostors or offices claiming to be in possession of your ATM CARD, you are hereby advice only to be in contact with David Sunday of the ATM CARD CENTRE who is the rightful person to deal with in regards to your ATM CARD PAYMENT and forward any emails you get from impostors to this office so we could act upon and commence investigation.

Don’t be tempted to part with your money, as you will never see any of the £850.000 “owed” to you!

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Free software that could help your business

May 1st, 2012

Free software that could help your business

For those of you who run small businesses, saving money on overheads is priceless. Every discount you can get is important, but at the same time, you won’t want to compromise on quality. This is where using free software could come in. It might seem strange, but if you want to save on fees for accountants, designers and the like, this could be the answer. Some free programs offer exactly the same services as their full-price rivals; here are some examples:

Net Voucher Codes Free software that could help your business

 

 

Saving money on hotel costs is useful, especially when traveling a lot. Net voucher codes offer discounts on everything from meals out to the weekly shop, and hotels are not exempt. By using a Travelodge discount code, you stand to make big savings.

 

Unforgiven Organizer Free software that could help your business

 

 

 

 

 

 

If you want a PA, but don’t want to fork out thousands per year in wages, then the Unforgiven Organiser is the next best thing. Much like a similar Microsoft product, this calendar program allows you to organise your daily, weekly, monthly and yearly schedule free of charge. You can also manage your contacts with ease.

Open Office Free software that could help your business

 

 

 

Should you find Microsoft Office too expensive, then Open Office, developed by Sun Microsystems,could save you hundreds. Like its paid-for equivalent, you can create text documents, spreadsheets, magazine/leaflet-type publications and even slideshows. You can even make all the documents compatible with MS Office.

Dynacom Free software that could help your business

 

 

Accounting software can be pricey, but the Free Dynacom Accounting Edition has everything you need to help you in all your bookkeeping duties. You can manage everything from payrolls and banking to purchasing and general ledger functions. The interface is user-friendly too, which is useful for beginners.

 

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Are Your Savings Safe in a Bank?

April 26th, 2012
Urinal Out of Order 150x150 Are Your Savings Safe in a Bank?

Are The Banks Out of Order?

Are The Banks Out of Order?

Here is an interesting article written by What Sam Saw Today. It just goes to show that reading the small print really is worth it!

“Today I have been looking at the different savings accounts on the market.  It didn’t take long.  I didn’t manage to find any accounts paying above the current rate of inflation – so the longer my money is “saved”, the more money I will lose…

However, what I did notice is the amount of accounts where if I withdraw my money early, or I try and make several withdrawals within a year there are “penalties” to be paid”….. Click HERE to read Sam’s complete story.

Read the Small Print!

 

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Notice of Seizure – High Court Form No 55

April 18th, 2012
Notice of Seizure 150x150 Notice of Seizure   High Court Form No 55

Notice of Seizure

Notice of Seizure  – Enforcement Officer

Now This Should Be Taken Extremely Seriously!

“Andrew Wilson & Co Writ Number: xxxxx

HIGH COURT FORM NO 55

NOTICE OF SEIZURE

In the High Court of Justice
Queens Bench Division
BRISTOL DISTRICT REGISTRY
High Court Claim Number: xxxxx
County Court Claim Number: xxxxx
Sent from the BRISTOL COUNTY COURT

Claimants: xxxxx

Defendant: xxxxx

Address of Premises: xxxxx
xxxxx
xxxxx
xxxxx

This Notice has been left at this address by

Joe Bloggs – Mobile: xxxxx

An Enforcement Officer from Andrew Wilson & Co The Sheriffs Office High Court Enforcement Officers of 26 Missouri Avenue Salford Manchester M50 2NP who are authorised to enforce writs of execution from the High Court.

TAKE NOTICE THAT:

  1. a formal seizure of the goods at this address has been made under a Writ of Execution directed to an Enforcement Officer by the High Court. Enforcement Officer accordingly as conduct of the execution.
  2. The good sees are now in the custody of the Enforcement Officer, as an Officer of the Court, and must not be removed, sold or otherwise disposed of. This will remain the position until the sum due under the execution had been paid in full. The only exceptions are good is good time referred to in Paragraph 9 of schedule 7 of Section 99 of the Courts Act 2003. (This section is set out below). Enclosed with this NOTICE is a WALKING POSSESSION AGREEMENT in the form prescribed by law. You must read this agreement and sign it to acknowledge the seizure and hand it to the Enforcement Officer attending your premises or return it to this Office will stop failure to sign the Walking Possession Agreement may result in the removal of the goods seized without further notice pending disposal by public auction.
  3. The judgment debt and cost of execution due under the Writ are:
    Judgment Debt £10,000
    Judgment Costs £0.00
    Costs of Execution £111.75
    Assessed Solicitor Costs £0.00
    * Interest to date £125
    *HCEO fees £1800
    Total outstanding £12,036.75
    *Interest is payable from the appropriate date (which varies according to the size of the judgement debts and where it originated). Officers seize and interest will continue to accrue daily until the judgment debt is paid in full.
  4. Payment must be made to this office in CASH or by BANK DRAFT. Payment by debit or credit card may be accepted if the Enforcement Officer agrees that may be subject to such charges (if any) are made by his bankers for processing a card payment.
    Please note that it is essential that Writ number xxxxx is written on the back of all bank draft and quoted in any bank transfers or card payments so that these payments can be identified. All drafts must be made payable to Andrew Wilson & Co and sent to the contact address below.
  5. If payment is not made and the execution proceeds, the Enforcement Officers or their agents will attend and remove the goods seized for sale by public auction or as the Court may direct.
  6. If any of the goods seized are not your property, you must tell the owner about the seizure and he must write to the High Court Enforcement Officers claiming the goods at the contact address below.
  7. If any of the goods seized are the subject of hire purchase or any similar agreement, you must send full details in writing to the High Court Enforcement Officers at the contact address below.
  8. If any of the goods seized are not liable to seizure by virtue of Paragraph 9 of schedule 7 of Section 99 of the Courts Act 2003 (set out below) this Office must be sent full details in writing within five days of the seizure or within such greater period as the Court may, on your application, allow.
  9. You must inform this office if another Bailiff seizes, levies on or distrains the goods to pay another debt and you must inform that Bailiff of this seizure.
  10. You must also inform this Office of any Petition in Bankruptcy or application to liquidate a limited company that maybe, have been or is subsequently served on you.
  11. The goods seized are all those referred to at 2 above but in case there is any doubt, the following items have been levied today and ARE INCLUDED IN THE  SEIZURE:
    Dated:
    Signed:

Contact details:

Andrew Wilson & Co
The Sheriff’s Office
26 Missouri Avenue
Salford
Manchester
M50 2NP
Website: http://www.andrewwilsonandco.com

Paragraph 9 of schedule 7 of Section 99 of the Courts Act 2003 provides as follows:

9 (1) This paragraph applies where an enforcement officer or other person who is under a duty to execute the writ is executing it.
(2) The officer may, by virtue of the writ, seize-
(a) Any goods of the execution debtor that are not exempt goods, and
(b) Any money, banknotes, bills of exchange, promissory notes, bonds, specialities or securities for money belonging to the execution debtor.
(3) ” Exempt goods” means:-
(a) such tools, books, vehicles and other items of equipment as necessary to the execution debtor for use personally by him in his employment, business or vocation;
(b) such clothing, bedding, furniture, household equipment and provisions as are necessary and satisfying the basic domestic needs of the execution debtor and his family.”

Do  NOT delay in trying to get this problem sorted!

I do find it strange that in Number 11 ARE INCLUDED IN THE SEIZURE: they have randomly selected three motor vehicles parked near to the debtors address. Despite the fact that none of these vehicles belonged to the debtor.

WALKING POSSESSION AGREEMENT

“The High Court Enforcement Officers Regulation 2004
Regulation 15 SCHEDULE 4

WALKING POSSESSION AGREEMENT

In the High Court of Justice

Queen’s Bench Division

BRISTOL DISTRICT REGISTRY

High Court Claim Number:

County Court Claim Number:

Sent from the BRISTOL COUNTY COURT

Claimants:

Defendant:

To Karl Harrison, Patricia Thomson & Andrew Wilson of Andrew Wilson & Co enforcement officers authorised to execute writs of execution issued from the High Court

I request that you will not leave a possession man on my premises in close possession of the goods which you have seized under the writ of execution issued in the claim.

If this request is allowed to me, I undertake, pending withdrawal or satisfaction of the writ:

a) not to remove the goods or any part of them nor to permit their removal by any person not authorised by you;

b) to inform any person who may visit my premises for the purpose of levying execution or distress that you are already in possession of my goods under the writ.

c) to notify you immediately of any such visit.

AND I authorise you or a person acting on your behalf, pending the withdrawal or satisfaction of the writ, to re-enter my premises at any time and as often as you may consider necessary for the purpose of inspecting the goods or completing the execution of the writ.

Dated this                                                 Day of                                                 20                          

Sign                                                               Judgment Debtor

Notice of Seizure 1 150x150 Notice of Seizure   High Court Form No 55

Notice of Seizure (1)

Notice of Seizure 2 150x150 Notice of Seizure   High Court Form No 55

Notice of Seizure (2)

Walking Possession Agreement 150x150 Notice of Seizure   High Court Form No 55

Walking Possession Agreement

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The Ultimate Money Saving Challenge

April 13th, 2012

Live Below The Line 3 150x150 The Ultimate Money Saving ChallengeLive Below the Line

This really has to be the Ultimate money-saving challenge that I have ever come across. All credit has to go to Live Below the Line – The Challenge website.

From 7th – 11th May, they are inviting to join them to try living on £1 a day for 5 days in an effort to change the way we in the UK think about extreme poverty – and also to make a huge difference in general.

Live Below the Line wants to challenge individuals and communities to try and live on just £1 per day on food for 5 days. By doing this they want to bring to life the direct experiences of about 1.4 billion people who are currently living in extreme poverty and at the same time to make a real change for the better.

The Challenge?

Try to spend 5 days feeding yourself for just £1 a day – this is the UK’s equivalent of the extreme poverty line.

The Reason?

To give you a glimpse into the lives of 1.4 billion people who have no choice but to live below the line every day – and who have to make £1 cover a lot more than just food…

Money Saving

Not only is this a great cause, but just think of the money that you could save by taking up this challenge? So why not take up the challenge and see just how much money you have saved, you could also donate some of that saved money to the cause?

So pop over to Live Below the Line – The Challenge and take up the challenge!

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How to Order Your Credit Report – For Free

April 3rd, 2012

Keep Calm and Carry On 150x150 How to Order Your Credit Report   For FreePersonal Credit Files

Personal credit files are so important because a good rating gives us greater financial options, ie when we need credit at competitive rates we’ll obtain it.

There are 2 Major Credit Reference Agencies (CRAs) which are responsible for collecting and collating this information, consisting of such details as:

Personal details – name, address, age, sex electoral role, etc etc
Who your different credit accounts are with (credit cards, loans, mortgage, mobile phone, overdrafts etc)
The amount of money you borrowed
Your past payment history – have you been on time or late paying your bills etc
Any County Court Judgments (CCJs) or Defaults against you

The Two Main Agencies:

Experian
Equifax

Both of them will/should hold similar information regarding you and your finances, however mistakes are easily made; for instance a slightly wrong address or showing money owed on a loan or credit card which in fact has long been paid in full.

If ever you spot these or any additional mistakes contact the company involved and ask them to rectify the matter.

Failure to correct any mistakes means your credit rating isn’t going to be as strong or as clean as it may perhaps be.

Obtaining your Credit File you will find 3 options -

  1. Request it via letter or online form
  2. By phone, or
  3. Sign up with an expensive monthly plan

Request by letter or online form – Cost: £2

Download the Experian/Equifax form, fill it in and send off, then within 1 week your credit profile should arrive back by post.
Alternatively fill out Equifax/Experian online order form and make an on-line payment.

By phone – Cost: £2

Call Experian/Equifax Their numbers are available on-line

Sign up to a monthly plan – Cost: around £6 – £8 per month

By law the credit reporting agencies all have to send you your credit history within 1 week and for a maximum cost of £2.

Monthly Report

Go to their websites their main promotions are for a free credit report if you sign up to a monthly plan (it’s possible to cancel this inside the first month but not get charged).

For most people monthly plan is not worth it because your credit rating will change little from month to month if -

Your financial situation remains stable
You’re not applying for credit at regular intervals
Bills are paid punctually

However, if you happen to be seeking to fix your credit rating it might be worthwhile taking a subscription for 6-12 months. As time goes by, you’ll be able to monitor it to discover if the positives actions you’re taking are paying off. Subscriptions can be cancelled in any month.

Experian’s Free Credit report

Tip – Ways to get your credit file without charge

A lot of people enroll in the monthly service for the reason that first month is free. They then Immediately download their credit file, but before the month is up they cancel and for that reason do not have to pay.

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