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Claiming Charges back from Smile
Hi Guys & Girls, I've asked this question at the end of 2 other threads but imagine I'll stand more chance of getting a reply by starting a new thread. I'm going to try and claim back bank charges from Smile and was wondering if anybody else has done the same and would like to share their experiences. Also I've read about…
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Coming down
Over the past few weeks my debt problems have not been a concern, ive been taking steps to calm myself and be in a positive frame of mind. However today things are different, ive let the meditation really slip, and im annoyed at myself for that. Also was supposed to be going to a club for a friends birthday but i hugely…
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Very Useful Website!!
http://www.kronos.moonfruit.com/ Hi there. Please check out the above website for all things debt related!! This is someone that visits the fool.co.uk website, and someone that created this website when I used to visit the fool.co.uk - in order to help people get a clear view of what choices are available to you when you…
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Defaults, CCJs, CCCS, Bank Charges......
I found this site by accident - but a FAB accident. In my student days, I was living a care free life. This finally caught up with me about 12-18 months ago.I defaulted on a few payments and I have one CCJ against my name. I am now in touch with CCCS. In total I owe about £8k. Since reading some of the forums, I will try…
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Not looking for sypathy but need help desperately.
Around a year ago my life was perfect. I had just moved into a rented house with my girlfriend of 3 years I was happy and had everything I dreamed of. Then a month after moving in I had a car crash which killed my girlfriend instantly and left me with nothing but cuts and scratches. My world crashed I lost the love of my…
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If you don't ask...you don't get!
Thanks to the advice of MSE and the lovely people on this board I just got the % rate on my card reduced. I never realised you could ask! I never even realised what rate it was...prepare yourself...24.9%...OMG!! But they will be reducing it to 15.9% from next month and I've also cancelled the payment protection cover. The…
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How many hours a day would you work
I'm after a consensus of opinion here. I am trying to pay of a £4,500 loan from my dad. I work full time ( Monday 7.15-4pm, Tuesday-Friday 7.45-4pm and the Occassional Saturday morning - perhaps once a month) Get about £1K take home a month. A also coach at my Trampolining club from 6-8pm on Tuesday and Wednesday evenings…
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Horrible debt - Help!
Hi all. I've been reading this site for sometime, and it's time for me to bite the bullet. I need to do something about my overwhelming debt before I end up unable to keep up repayments. As you can see from below, my total minimum payments add up to a huge £872 per month!!! This only leaves me with £400 a month to cover…
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Bank statements charges
Hi. I have just started the process in trying to get back my bank charges and have requested statements for the last 6 years. I received a letter telling me that if I wanted them I would have to pay £5 for every month of statements!! :eek: Has anyone had this problem? Can they actually charge this much? I cannot afford to…
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My new life - Day 6
When should this stop becoming my "new life" and just be my life!!!??? - that's one to ponder in the meetings I have today!!! I can't believe how well I have done so far. I can't wait until tomorrow night - then it will have been a week!!!! During the week-end I survived on very little. I went to the theatre - friend's…
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Creditor setup a direct debit
Hi all One of my creditors has setup a direct debit without my knowledge. Last time i paid them by DD was 1998 accoridng to my bank. S the bank has cancelled that and the creditors have been told verbally by me that all correspondance is to be in writing. I no longer take any calls from them
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pay slip
does anyone ever look at their pay slip and see what the total amount of money they have been payed. i look at it every thursday and wonder where all the money is as i have only saved a few pounds..
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How much have you spent today? 20/3
£1.78 on sweets at the newsagents :o Someone slap me on the wrist, please!
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Phoenix Commercial Collections
Hi Not sure where this should go so I will put it here and hope for the best. I have recently had very bad experiances with Phoenix, to the point i believed they may not of been acting completly legitimately so i have today spoke to the Office of Fair Trading who regulate them, and they are now being investigated, I am…
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accepted for A & L account!!!
hi guys. i applied for an alliance and leciester direct current account this weekend expecting to be refused.....but they accepted me!!!! i know it comes with an 0% overdraft for 12 months but just wondered what sort of overdraft they would give me.....has anyone else opened one? and what od did you get? this means i can…
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Divorce Settlement Thru...The next Steps ...
Finally got my half of the money from the house (ex bought me out eventually) and I want to know I'm doing things the right way. I have a Loan with Northern Rock (£4k settlement)and credit card debts to the tune of £3.5k, £2k of which is on an 0% card till September. What I want to know is am i right in paying this lot off…
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Looking at an IVA
Hi, I'm currently looking at applying for an IVA. I have some questions that I hope people on here can answer/have experience of: 1) What will my credit file look like in 6 years time? I'm led to believe it will be blank with no adverse info or any details about my IVA. 2) I have no wish to borrow any more unsecured money.…
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Paying off a debt a month......
I've been SO inspired by some of you over the past 2/3 months that I too made it my goal to pay off 1 or a huge part of 1 debt per month in 2006. For the past 2 years I have made payments on time each month on all outstanding debts but a lot of them were just for the minimum amounts, so of course I wasn't really getting…
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Newbie saying HUGE thanks
Hello to all you incredible peeps, Sorry for lurking and reading huge amounts of advise before actually posting. But here I am.....and I'm hoping to get some valuable pointers as I really don't know where else to start. Here Goes: I am a single mum with 3 kids, 15,13 & 11...I've been on IS for about 5 years now and get HB…
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Newbie in trouble with money
I know I've got myself in this predicament and believe me, no-one feels more guilty or ashamed than myself. Put simply I'm at my wits end about the route I must take. Having read many posts I have eventually bit the bullet and admitted I have a major problem with money. I quite simply cannot be trusted with CC's or loans…
