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Desperately need some help!
i currently have a credit card debt of £2000 at 10.9% interest. My credit rating is not billiant as i am a student, so was wondering if anyone could recommend a solution to reducing my payments. A nice 0% balance transfer would be lovely but are there any that offer this to mediocre credit scores? Please help! Thanks
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Bank charges
I ama student and have incurred bank charges of £482 while using my card while over my overdraft. I was only £62 over my limit but my bank charges me £30 everytime I use my card. Some of the transactions were as little as £2.00, the most expensive was £15.00. My bank has a policy of only rejecting my card if you spend over…
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Pleasehelp with this repayment problem
I am writing this on behalf of my sister, I have enough of my own bankruptcy worries that I am trying to deal with, and thought some of you out there might be able to help. My sister has a very old credit card that she owed £700.00 on. She moved house, and genuinely forgot to change the address over. She was paying about…
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How much have you spent today 30/06
i've noticed I only ever post on this thread when I have a confession to make! hmmm.. anyway, have spent quite alot of money today trying to make myself better. Am due to go on annual leave tommorow and as is practically the rule before I go on holiday am running a temperature and have a throat infection. Currently am sat…
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Littlewoods debt, advice needed !
HI all, I owe approx. £480 to littlewoods. I had `stupidly` put things on buy now pay later terms last Xmas, and now they are all due. My minimum payment is now approx £34 a month. I have other debts to which take priority over littlewoods. I am able to pay littlewoods £15 a month but am unsure about how to go about…
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Debt recovery - extortion in disguise?
To summarise...I got into financial problems in 99/2000 which meant I defaulted on a couple of credit cards, a loan and overdraft. Taking advice from the CAB I offered my creditors a repayment plan which they accepted and all but one froze interest. Barclaycard/Mercers Debt Recovery have been charging me 3% interest which,…
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What happens to the partner of a bankrupt person.
My oh is going br and I wonder what effect this will have on me. A lot of the things in the house (mainly the more costly things) are mine, but I haven't got receipts for everything. With calculating his expenses and income and all that, will they look at my income. I mean, I have my own bills to pay. I'm getting quite…
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Capital One vs CCCS DMP
It's taken six months for Capital One to formally accept the repayment proposals (pro-rata payment) that the CCCS have administered. During that time they have sent various letters threatening action and also loaded the debt with late payment fees each month. But for anyone else concerned about American credit card…
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Large Consolidation Loan - Help please....
Hi everyone My situation is this.... (and I hope someone can offer me some good advice) I have a good job and have simply spent beyond my means for about 10 years!!! To put it bluntly! My earnings have grown steadily over the last 7 or 8 years until I now earn in the region of £75k p.a. (£60k basic and the rest from…
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Advice for my mum please
Hi, this is my first post, so any advice would be welcomed. My mum currently has debts of approximately £50000 on credit cards. She owns her own business which is two years old, and just beginning to tick over financially. There were a lot of outgoings to get the business up and running, and her bank balance, and that of…
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Good News
Hi y'all. How you doing? Good news - have found a new job. And the best news is that it will be a £4K payrise, and then another £1K rise in December - so thats another £210 a month. Whooo!!! I hopefully leave my current position in 2 weeks, eeeek, thats scary, but im scared & excited at the same time & the money will…
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Help...Should my girlfriend go bankrupt?
I have always been financially astute and never had any financial issues, and I have a long term plan, which I am on target for. My girlfriend and I were talking about moving in together and we got onto the subject of finance. She told me she had some problems, so I said lets sit down and work out what you have coming in…
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Underhanded Tactics?
Hi... This is my first post, and i have to say its a very negative one. I have a credit card debt (lloyds TSB) which is handled by a collection agency. There is an arrangement in place of £5 pcm toward the debt which for the past 3 months hasn't been made because i've been in hospital with a broken leg! The collection…
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How much have you spent today? 29/6
Victory! Today the process of getting to work from home has been spending opportunity free! Remembered to make packed lunch! Didn't go to shop for water, newspaper or junk etc. However i'm off for a few beers later but at an establishment with extremely reasonable drink prices, so it looks like i'm not gonna get through…
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will i ever be debt free?
ive been lurking for quite a while now and never really though about posting, but i want to face up to things. Im in debt and i sooo much want to get out of it.. details as follows: I take home about £1600 per month Rent ( i pay half of) £400pm Council tax £119pm pet insurance £13pm TV rental £27pm (its going back in 2…
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Possibly a stupid question, but . . .
. . . what is snowballing? Squidgy x
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Ways to improve credit
I have a really bad credit history from the past but just recently have been offered 2 credit cards with guaranteed acceptance - Capital One and HSBC. I already have a Halifax Visa that I've had for years and have 7.5k credit limit but I hardly ever use it and have managed to stay in the b;ack with it. My question is…
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I need to know the APR?!
I have a MINT card which I'm slowly but surely trying to pay off as fast as possible. My minimum payment is £29/month and the monthly interest rate is 1.313%, please can someone tell me what this makes the APR so I can sort out my snowballing. Many thanks in advance!
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Credit Card dilemma/credit rating info???
I've been free of debt for over a year now, i did have an administration order through the court which i paid off in full Jan 2004. Since then i've not applied for any credit- no mobile phone, no loans, no credit cards - at all, the thing is i'm worried my credit rating will still be affected and i won't be able to get…
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New to the forums
Hi all, Im new here, and have found all these stories and people willing to help inspirational. Im currently trying to clear an overdraft and have found a way that works for me (i worked this out before i found this site) but is quite complicated to explain. Any way is there a thread any where that explains certain terms…
