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Flat In Blacklisted Shared House; HELP!
Have just registered different cred card with Blah UK and have now had orders rejected by HSBC (their paying agent) stating "billing address you have has previously been associated with fraudulent transactions". Have used Blah many times and they are happy with me but there are 14 flats at my address. Have been using same…
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What is the best to reduce an overdraft?
Hello to all of you guys; hope you can give me some advice. My OH and I have separate accounts each both of which have an overdraft of £2k. We each have a credit card; total owed between us is around £3.5k with APR around 17%. We would like to have a joint account from which all the bills would be paid and into which both…
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What shall i do???
Hi there! I am in a bit of a mess, i am due to to have remortgage soon and there has been a set back and so the completion is going to be delayed. Some of the money was going to be used to pay off my overdraft of £900 and we have had a bit of a struggle with money over christmas so we were also going to top up my account…
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Free copy of the money diet
Hi there As I bought 3 copies (!) of the new edition of 'The Money Diet', by our favourite person Martin Lewis, I have my old slightly battered! copy to give away to anyone in need. If you would like me to send this book to you (completely free of charge) could you please PM me. Many thanks Annie
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How much u spent today 4/01/06
spent the usual 35p on copy of The Sun. Have brought in Sandwiches today so no more spending outrageous amounts for lunch :j Might stop buying The Sun as in one of the threads i saw on here it said if u buy the paper over a year it cost a lot......(just worked it out and it costs me £87.50 for the year lol so am going to…
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Scottish Debt Help
Does anyone have any experience with scottish debt help companies or can anyone recommend any good companies or websites that helped them. I am looking for information on what can and cannot be done by myself and the creditors.(I would like to retain as much control as possible). Can I transfer the car to my wife etc (She…
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HELP re:a+l Loan
does anyone know if you can take the payment protection insurance off the loan to reduce the repayments or would i get charged any suggestions would be great, thanks.
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Unfair bank charges? - then fight back
Been stung by unfair 'penalty' bank charges? Then get them back! More below; http://www.bankchargeshell.co.uk/ Go get 'em!
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help needed !
Hi, I'm seeking some advice about my ever worsening debt situation. Due to frequent changes of job, problems getting benefits when I didnt have a job and my own stupidity I am not unable to make repayments to my creditors. my statement of affairs is as follows: SOA outgoings: hsbc loan £335 every month (total £17500) gold…
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Loans Refused But No CCJs? Where Next?
I was chatting with a co-worker today regards to over spending at Christmas when she broke down in tears regards to her current £££ situation. She didnt go into too much detail only that she desperatly want sto consolidate her CC debt (20k - 25k) as she can no longer keep up the payments, she has recently fallen behind…
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Bank charges
I read an interesting thread the other day about illegal charges from banks. My question is does this stand for any kind of charges I had a onetel account for my phone calls on which I was late making the payment on the final bill (switched back to BT) and they have charged me £5.00. Bearing in mind that my bills only come…
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Default Gone - Credit Report
Hi I am new to this site but just wanted to share my exciting news with you today. I have just found out that the default that has been showing on my credit report for the last 6 years has finally disappeared. It has been so hard over the last few years getting credit at good rates. Now all I want to do is be able to get a…
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Which to pay off first? any advice?
hi everyone, i have a loan with citifinancial APR 22.7 % with an outstanding balance of £9,226 i'm currently paying £318 a month for the remainder of the loan which is another 48 months also i have a halifax visa card APR 14.8 % with about £3200 spent on it and my limit is £3500,i'm in a position now to pay £100 a month…
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Making some extra cash
Not sure if this is the right forum, but i want to sell some old videos to make some extra cash, does anyone have any idea what the best place would be and if they would really sell at all? Cheers
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Who is liable for credit card debts - named person or spouse as well?
A quick question for a friend if I may. If you are married and one partner builds up a lot of debt on credit cards, is the other partner also liable for this debt (assuming it is in only one partner's name) should the debts get called in early (whihc they canot repay) or (worse case scenario) the partner make themselves…
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found a lot of unexpected debts...
mum passed away a couple of weeks ago, and came across a lot of debts that we didn't know about - i am trying to help dad sort them out. she was married+living with dad (and i) - had a joint mortgage, 90k owed on current mortgage. House probably worth £160,000. Found out that the endowment was cancelled a few years ago -…
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What Should I do?
I have a tax bill *due* 31st this month for £480 Having set up my spreadsheet of payments i didnt account for this, however next month i will be able to put in 150 a month for the next 3 months and put in 50 this month (will have to arrange this first) which should clear the bill Or I could reduce payments to CCs and 1…
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Desperate, and Banks keep saying no
Hi I am hoping someone can help me. I have massive credit card and loan bills each month and although am on a decent salary am still spending more than I earn each month. I am trying to re-work my loan and credit card payments by getting better deals but I keep being refused. I don't know what I am going to do. Is…
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Newbies - spending more than we earn
I'm joining this forum to help my husband and me get a handle on our debts. We sat down last night and worked our way through the budget in "The Money Diet" and got the shock of our lives. Not only are we £20k-ish in debt in addition to our large mortgage (we knew this, but it seemed solveable), but more importantly we are…
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Well I have done it.
I have joined and this is my first post so hello everyone This year I have decided to get out of the hole I created. I have called all the companies I owe and totaled it all up and it's not as bad as I had imagined. So is it possible to clear £12,998.61 in a year? I think I need to get another job to help clear some of…
