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A question about Balance Transfers
Hi, I've got four cards ar the moment Egg... Outstanding balance 11,993 12k limit Lloyds... Outstanding balance 9800 16k limit Marbles... Outstanding balance 5300 MNBA... Outstanding balance 7200 I will shortly be in a position to almost clear both the Marbles and MNBA, They will both end up with about 1000 on them. Is…
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debt....how does it make you feel?
Until recently I've never been in debt. I have always managed to survive (just) by careful budgetting and general skinflintiness. However, helping out someone in need a few months ago has left me with a debt of approx £1500. This is hanging over me like a huge lead weight. It is the first thing I think about when I wake…
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Experians free credit check trial period
Has anyone ever taken out the free trial, cancelled it during the free period, then taken it out again a few months later.... and cancelled again without paying anything? ~I've looked, but I can't see anything in the T&C's that say you can't do this!! Cheers FTD
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How long before I reapply?
Having paid off all the debt I'm due, I realise my credit history is a shambles! However, want to start repairing this and so need a credit card to do so! (don't worry, will be using it for small purchases and paying off the balance in full every month) Should I risk applying now or shall I wait a bit longer? I'm thinking…
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Nearly Payday
For most of us that get paid at the end of the month - not long to go! :j How has everyone managed? It seems so long ago since i was last paid. But, i've managed better than what i thought. Cancelling a few DDs from my account has helped, im back at work full time so am really looking foward to this months wages - it'll be…
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Should I convert to a fixed cahoot loan?
Hi everyone, Just wanted to ask advice really. Am making 2006 the year I finally make major inroads into my debts. Have already saved over £70 on my car insurance, have changed my mobile phone and will save over £150 a year on my bills......... and now I get to my point :rolleyes: I have a cahoot flexible loan for £6000 -…
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what is happening?
My daughter has just phoned me about a friend, I will tell you the story as we think it has happened and I hope that someone may know what is happening. Her friend has received some sort of judgment from the County Court. He has never received a summons but what he has received looks like a CCJ. He has been at his address…
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Payplan - Appointment tomorrow night what should I expect?
Hi there, I have been actively using MSE for the last couple of weeks and have got brilliant support thanks. :money: I have got an appointment with payplan tomorrow night to go through my earnings and wonder what sort of thing I should expect? I am not expecting the call to end all my problems but I hope it will be a good…
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help needed
hi, i'm currently trying to fill in a interview pack from payplan. i'm on the expenditure part and lost. any chance of someone posting a rough copy of all the stuff i'm meant to include. also i live with my gf but she doesn't want any part of this. I pay most the bills, rent, etc and she pays shopping and for the sky. do i…
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Who gets the money?
Just a quick question. If a debt collection agency takes over a credit debt and end up going to court who gets the money? Is it the orginal creditor or the agency? Thanks
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Try the debt test
https://www.fsa.gov.uk/consumer/debt_test/
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Beat The Bailiffs BBC shown 18th Jan 2006
WHAT? WHAT!???? All this 'show' did was induce panic and unease. In this show a mother and daughter had run up huge credit card bills. yet when i tuned in. the first thing i saw was a locksmith letting two bailiffs into the house whilst the owners where out! WHAT!??? I thought they could'nt do that for CC debts? just if…
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Initial Budgeting plan of action
hello all! Well, we are starting our budgeting proper this month. We have already got rid of a car loan thanks to a very generous mother in law, switched credit cards to 0% (well I have, DP has applied), cancelled Sky, Ive gone on PAYG on mobile etc etc, cheaper broadband...its the monthly day to day food/grocery shopping…
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Voluntary Agreement
In theory-what would stop me from withdrawing loads of cash on my credit cards, paying chqs to a third party and then claiming that i cant pay my bills and do one of these voluntary agreements whereby i pay back 40p to the pound??? Is this classed as fraud as i know somebody who did this and it makes me mad!
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Taking the protection from loans - aaarrrgghhh!
Afternoon people, I have just been on the phone for over an hour going through to various depts trying to stop the payment protection on my loans. After 30 mins barclays told me I have to go into an actual branch where they will have to complete a new application (which I would be turned down for me thinks). Barclaycard…
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debt/budget help please
Hi everyone I've posted my income of £1300 including salary, tax/child benefits and outgoings and would appreciate it if you guys could have a look at ways I could save money to pay off the c/c asap. Ive never missed a payment so far and always try to pay more than the min. payment every month but find that we dont have…
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I am starting to see the light
I bought Martin's Book after already spending a lot of time on this site getting to grips with the things i need to do to get on top of our debts. A lot is changing for me and hubby at the moment I am out of work in 8 weeks and we complete on our new flat tomorrow! Things should be really scary. But... On sitting down and…
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advice and assistance please
Hello all, another newbie hear, but a long time reader of this excellent site. I could do with some advice please, so here is my SOA i have a loan with cahoot for £2770 outstanding at 6.9% pay a monthly sum of £119.01 direct debit c/c nat west - £600 outstanding (18% i think) pay anything from £20 - £50 c/c egg - £500…
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"help me to run up huge credit card bills"
The things you find on the internet! GOLD DIGGERS WELCOME " American Express Platinum card holder (male) seeks woman to help me run up huge credit card bills. Clothes, cars, jewellery, restaurants, holidays, travel and luxury items. Must enjoy spending my money. If you fancy spending lots of money on good times and nice…
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New To This And Unsure
Hi as you can probably tell i'm new to this and am not even sure if i'm putting this in the right place. My problem is that my partner lost his job at the beginning of December wage £27,500 a year. he has now started a new job which the wage is £15,000 per year. we have got two small children and the hours of his job make…
