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Can I ask my cc for lower interest?
I've been with Morgan Stanley for about 6 years now and have managed to build up a bit of debt... £2638.00 on the MS buy & fly and £2670.97 on the MS Platinum - how would I word it if I am to ask them to reduce my interest rate? They are both 15.9% just now and I don't particularly want to change as it will mean…
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Big thank you
Just a quick one to let you all know that I am back on track again and to say a big big big thank you to everyone for their helpful comments and kick up the bums. On another point I am entering into day two of both my Oh and I quitting smoking. ( the cheap ones all gone and I resented paying £5.15 a packet. ) So hopefully…
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PPI- got a letter back today from the complaints team
Hi I wrote a letter a couple of days ago regarding a PPI I had been sold 2 years ago with a personal loan from the AA. I have got a prompt reply back saying they are sorry to hear of my dissatisfaction and that my complaint has been passed to their specialist team responsible for investigating any complaints arising from…
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Debt Management question
I have been with Baines & Ernst for about 6 months to a year at the mo. They have managed to get all my finances sorted out and I only pay them one monthly payment (this includes a 59.00 management fee - I know but im pretty sorted now). However, yesterday I had a phone call from B&E saying that they can set me up with a…
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Urgent advice needed....
I have just had a letter from Barclays demanding back all the outstanding O/D I have with them (£820), and I'm a bit :confused: Basically, I was paying off £50 a month on a temp O/D, and then they said they would call me last week to do a SOA and turn it into a Resolve loan. And now this. I'm worried because I don't have…
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Credit Card debt help for a friend
Hello Just wondering if anyone can give me some initial help for a good friend of mine. It hasnt got to the point where she is familiar enough with mse to post yet or even to give me an soa, but things are getting dire now. She's 22 and in debt to the tune of about £7000 all on cc debts (that i'm aware), she's a student,…
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Does this Qualify as a lightbulb Moment ?
:idea: My story so far: In a galaxy far, far away … ( I should stop doing that !!) I got some credit cards, bought some stuff, thought it was a good idea to consolidate, got a loan, consolidated that too, yadda yadda, you know the story. The reason for me wanting to sort out my finances is that OH and me have a baby due…
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Can i get a credit card to balance transfer a debt from a catalogue
Hi, I have Index Extra as a catalogue and owe them 24000 approx. I have never had a credit card before and not really sure how they work. Could i get a card that has 0% on balance transfers for 9 months or something like that and transfer this debt so i do not have to pay the interest. I would set a direct debit of £100 to…
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What have you spent today? 16/03/06
Ok, I'll start this one off today. I'm going off later to get a spray tan ready for the wedding this weekend so that'll be £12. But thats all.
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What Do You Do Then
hi, i have a quistion ive been paying my debts off slowly for 2 years and i have got about another 2 to go ive dealt with all sorts from rude stroppy phone calls to silly letters threatening all sorts,ive entered in to repayments with all but 1and, i pay another a token payment as i dispute the full ammount i deal with the…
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Help with bills.
Hey there. I'm not sure if I have got the right board for this - but it is debt related. I'm sharing a house with another person at the moment and we're having problems paying the bills: Water, Electricity, Council Tax. When I say, 'we', I should say 'they'. Red letters for the bills are coming in now - and the council tax…
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What's The Grocery Challenge???
Hi everyone, just joined the other day and this is my first post as I've been spending my time looking through everything. I keep seeing the grocery challenge in peoples signature but haven't been able to find a post about it, can someone point me in the right direction? Looking forward to getting to know you all ;)
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My Debts!!!!
Right my Debts Barclaycard 3560 15% Overdraft 1500 12% HSBC Credit Card 1930 1,24% a month Tesco Credit Card 1340 0% (for around 6 months) Tesco Loan 5500 7% Total 13830 only outgoings are petrol -60, rent 170, mobile 40 insurance 45 is a consoladation the best i am really not going to get in this debt again Already cut me…
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starting out after bankruptcy
Hi I'm new on here but have been reading for quite a while. We have been discharged from Bankruptcy for nearly a year now and things are great, we have never been happier (although it has been tough don't get me wrong). I'm just wondering about the best way to start to build our credit score again. I understand that it's…
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Get Voting Peeps!
Heres your chance to vote in the MSE Smiley Fight Club! We are into the quarter-finals already but keep an eye out each night in The Arms for each evenings fight! :D *(as endorsed by MSE Martin in last weeks Money Tips Email)* ;) http://forums.moneysavingexpert.com/showthread.html?t=166976
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Am I the only one
who's missed this site while it's been down :j :j :confused:
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Odd question re budget.
Another dull question from me I am afraid... If for example you budget for £20 pressies per month (for xmas), and £20 per month for childrens shoes and trainers (3 kids) etc. What do you do with the money?? Do you put it into a savings account until you need it? If so would I not be better off puting it towards c.cards and…
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spread the cost
going to keep you all posted on how i get on with sharing the load and getting rid of my debt.today is the beginning of a fresh start to the road of no debts. just glad i saw the light before i lost everything including my house and family!!!
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A rant!
People, dont you just hate them ;) To cut a long story short I have lent people (friends) who claim they were absolutly broke just shy of £500 in one month. Now I am as broke as broke can be, so much so, for the first time i have had to borrow a few tenners from the parents to get me to next payday. When I realised how…
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Credit rating - how long to clean up?
Hi all, I'm new to this website and wish I saw it a long time ago when I was struggling to decide what to do when there was no money left in the pot to pay all my creditors, luckily I found Paypal and am well on the road to recovery. I've got just under 2 years to go to polish off my current £28K debt (was £50k 2 years ago…
