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query regarding 6 year statute barred
ok so fm reading various posts, i understand that if you have rcvd no correspondance fm anyone regarding the debt on your credit history after 6 years, then you can request the debt be removed fm your history. however, what happens if your credit history shows that the company has been regularly searching your file to see…
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trying to loose weight? free trial.
This is kinda saving money, any1 looking to loose weight-you can get a free 3 day trial with weightlossresources.co.uk. i know it's not very long-but you just have to register-you DON'T need to enter any credit/debit card details and you are told; your body mass index your target weight how many calories you are allowed…
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Going Out ideas that are Cheap & Cheerful and hopefully free
During the few months I have learn't alot from reading threads at DFW. I have worked out a budget and agreed repayments terms for all my debts. This leaves me with £25 a month emergency money that is not already allocated. I often have to say "sorry cannot afford to come" when I am invited out - and are trying to find…
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I really hate MBNA!!!!
Not only have they been the only ones to refuse to work with me and reduce payments/freeze interest I have just had a letter that my interest rate is going UP from October to 2.0084% a month!!!!!!!! how do they justify that???That's 24.1% :( I'm never going to manage to pay all this off am I?
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i'm new to this, please be gentle with me!
Hello there, I've been reading the debt free wannabe pages for weeks now but have only just got up the courage to post a message and ask for help myself. :rotfl: I'm another debt free wannabe, i've been struggling with this for so long now on my own and have faced on many an occasion the embarrassment of having my card…
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bank charges
I've been abit laxed and after sending my first letter stating how much I'd be recharging and giving them 14 days, my personal life got abit hectic and 26 days have lapsed! I didn't send the letter recorded delivery, should I resend the letter recorded delivery or send the 2nd letter! problem being I go away next thursday…
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bank/debit card help
right since19/6/06 i have downloaded and payed for £17.47 of music but the company has taken £23.40 out of my bank :o why? thats a £5.93 difference? i cant seem to be able to email them and ask and in there terms and conditions it has nothing, they arnt international (as far as i know) so how can they take the extra?…
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Reducing an unexpected bill
I today received an invoice for my web hosting. Nothing unusual in that, except that at some point in the last month my hosting was exploited, and in addition to the usual hosting fee I have charges for additional bandwidth of £648.53 :eek: Basically I can't afford to pay this (at least not all in one go). Does anyone have…
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Debt Free Wannabe Meetings Brighton/Hove/Eastbourne?
I just wondered if anyone is interested in setting up local money saving meetings in Brighton/Hove/Eastbourne areas? Would be good for mutual support and motivation in terms of saving money and reducing debt. I have the time one night per week after work (Tuesday maybe 6-8pm?) and my place could sometimes be used for…
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Thanks
Having put up a thread"gregory pennington" i took advice and went to the CCCS and i have now been able to reduce my monthly payments by £140. The relief that i now feel is great, no longer do i have to worry and be stressed out. So thank you to those that posted and whenever i need advice on anything regarding finances i…
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to maria or not to maria... xmas question?
long story short, my mum loves the sound of music and has always said 'if its ever in the theatre and i am debt free i want to go'... now she has watched the maria show since day one and i asked her if she would like to see it, her answer 'if my girl got through yes, i dont like the others', yes and you guessed it 'her…
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Reduced price of BT Option 2
I have just been surfing the BT website and found an ad for reduced cost of option 2 package..........just had another look and can't find the deal but having just spent 30 mins trying to call BT, I have transferred to this deal, it is as follows: 18 Month contract First 12 months at £11 per month (same price as the basic…
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Mortgage while on a DMP ...
Hey all :hello: Me and OH seem to be out-growing our flat and I'm sure that I've read somewhere that you can get a mortgage while on a DMP. If we were to move it would be next year and would probably only be increasing our current mortgage by £20k. Can this be done or am I just imagining it :confused: If so, does anyone…
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Good savings made
Came in from work this morning and decided it was time to save some money. So far I.ve switched Car insurance saving £12.00 per month Reduced tax credit overpayment from £83.00 to £40.00 per month Reduced broadband and phone from £49.00 to £35.00 per month Switched gas and electricity from NPower to Atlantic, should save…
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woohoo my cake
sorry I know it's in the wrong place but I used this forum the most! Anyway, I've just finished making my great aunts Retirement cake - No one knows what it looks like, I was just asked to make a retirement cake! What do you think?
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5p buy now listing day on EBay
this should help all the EBay challenge people this month List your item with Buy It Now Only on Wednesday 20th September for just 5p. Selling with Buy It Now allows your buyer to cut out the bidding and win instantly. BTW Im now up to £75.03 hooray Nat xxx
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Claiming Bank Charges with Bad Credit Rating
Hello All, It has been quite sometime since I last posted. This is primarily because I lost my job and struggled for a bit. But I am now back on form. Help & Advice needed: I received a letter from Westcot annoucing that my Debt with I.F had been passed to them. Basically I owe £3,334, whereas my original Credit Limit was…
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Royal Mail Xmas recruiting
Posted in the Arms: http://forums.moneysavingexpert.com/showthread.html?t=266881 Good way of getting extra cash. Thought you guys would be the most interested and might not see it in the Arms. Pay's not that brilliant, and is less than they pay their regular staff (have a look at various jobs on there) but every little…
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Sent debt collectors for for someone who has never lived at the house
Hello everyone Today in the mail I recieved a letter addressed to a Mr X who lives at my address from a debt collection agency who area acting on behalf of HSBC Card Services for an outstanding debt of £540. I phoned the agency and explaned to them that Mr X does not live at this address and never has as me and mum have…
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Gregory Pennington!!!
Having debts at various catalogues i wanted to try and consolidate so i dont have to pay as much every month. i got a call from gregory pennington and they said that they where able to help me out. the guy made it sound so simple and easy to do so after an hour on the phon e i said yes. he then went on to saying i had to…