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I've been a fool
Hi, For the last 3 years my partner and i have had a catalogue (Index Extra) I think the APR is 29.9% not sure though. They have been steadily increasing the limit and now it is 3,300. We have only spent 2,400 of this. I have been foolishly paying the mimimum payment of approx £95 for the last year. It dawned on me today…
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No Acknowledgement of debt letter urgent help needed...
I posted a thread yesterday about Capquest, someone directed me to send the letter to them. I am just going to send it to them now as they demanded a response by tomorrow, but I am not sure whether I send Capquest the £1 postal order or do I need to send a letter to Barclays also, with the £1. Sorry I'm a bit confused.…
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My name is Imelda, and I am a spendaholic
Hi All, I have been a lurker for a few weeks now and during that time I have thought that although I have debt on my credit card etc, it's all quite manageable. That was until today, I have read the posts regarding Loubie Lou losing her job and $17mma clearing all her debt and it has made me realise that I have just had my…
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Help with DMP
Please help,currently 97,500 in debt.Contacted CAB,they say they can't help with debts over 5,000,only option bankrupcy?I know this to be untrue,so contacted National Debtline,very helpful,but they put me through to Payplan as their workload was too great at moment.Payplan have taken all the details of the debts,and we…
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seen the light but need help
i had my 'lightbulb' moment last week when realised had spent up before i had even bought food because of paying back cards,loan catologues etc etc. feel terrible that i have got myself in such a mess and really sat downa nd worked everything out and should be clear IF I STICK TO PLAN by 2009. i really want to be but i am…
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Old Pension Doing Nothing
Hi there - I setup a pension within my old job which I was made redundant from 2 years ago - since then nothing has been paid into my pension & my current employer runs there own scheme. Is there anyway of me obtaining the money thats sitting in my old pension or will i really have to wait until Im 65 for it where it will…
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Don't know what to do???
Hi everyone, I was wondering if you could help. I'm in debt and absolutely no idea how to get out and it's only getting worse. I'm 23, work full time and earn £18k a year, get another £2k roughly in travel claims as I have to drive alot for my work (about 500 miles a month). So I take home about £1400 a month. Here's a…
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What Happens If.....
You have a joint mortgage, with your EX (and then you are living with relatives, and have done so for 5 years), then either of you get into financial dire straits, would the creditors be able to kick out the other half & child in pursuit of their moneys, ie. would the house have to be sold ?
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I have £10k to Pay off £25k - What To Do!
Hi - I have just arranged a mortgage for myself and am buying my 1st place fingers crossed that the survey is fine! Thing is - I have a £20k loan outstanding & £5k in credit cards so £25k in total - i didnt want to tie all this in to the mortgage as Im sure I would have been paying more in interest etc over the mortgage…
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Please Help me Smile Again !!!!!
I am 21, income 940 (after Tax, NI & Pension) per month. I have got the following Debt's: Lloyds TSB Loan: £3,700.00 Lloyds TSB Overdraft: £1,000.00 Lloyds TSB Credit Card: £1,833.00 Ocean Credit Card: £1,870.00 Total Debt: £8,403.00 I have missed out re-payments from last year, to be honest i haven't been able to repay…
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My new life - Day one
Day one and I already feel should I say, less than good. I've checked my salary has been paid into my new account - it has which is good news. I brought I lunch today and all the snacks I need to stop me raiding the v.expensive vending machine - I thought everything was going so well today! But then two friend is doing…
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Getting Started
The trouble with getting started on a new way of handling my finances is that the old life keeps on spilling into the new life. It's all very well saying that I'll put a small amount of money aside each month to pay for things like presents but I've got to buy presents this month and there's nothing in the kitty yet (only…
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Living on £110 a month
hi all, im just wondering if anyone could help think of some way to get a bit of extra money. i'll explain why. im a married woman who lives with her parents. my husbabd lives with his parents. i also have a 1 year old daughter who live with me. the reason we live like we do is because we have £110 a month for the 3 of us…
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Council tax bill somehow LESS than last year!!!
I know this ought to be on the good news thread, and I will post there too, but I am so astounded by this that I had to post a thread. My council tax bill is LESS per month than it was last year. But the total HAS gone UP. :confused: Now, it is right, and I'm definitely not knocking it!! It's because I had a lodger join me…
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Tricked by Natwest :(((
Two weeks ago i rung up the Natwest because my firm are now requiring a bank account to pay into as they are paying monthly now. As my Credit history is not brilliant i applied for a natwest step account. After applying on the phone i was told i could have a current account. I asked if there was a credit check for this as…
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SSP, compensation & general mess! Help please!
Hi there Bit of a tricky one & thought this might be the best place to put it. Do move it mods if its in the wrong place ( also posted in benefits area too ) On the 20th of March I got paid from work £530 less than usual. I found that they had reduced my wages for SSP. They had not given me any written warning about this,…
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What positive step have you taken today - 15/03?
I'm glad everyone likes the thread idea. Today, I am going to put £34.00 worth of cheques and £1.00 coins into my bank. When they have cleared they are going straight towards paying off my Capital One credit card. I also plan to put a few things on Ebay and Amazon. Keep motivated everyone!! Emily x
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Selling on Amazon....
Hope this is in the right forum. I've decided to de-clutter (I have lots!) and raise a bit of money at the same time. I've got literally hundreds of CDS and DVDs I just never use anymore so decided to list them on Amazon. Then I notice the prices some sellers are asking for these! :eek: Some are being sold for 1p!! Am I…
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What positive step have you taken today WEDS 15/3
I have finally given proper meter readings to Powergen and I think that will make my next bill a bit smaller as they have always done it on estimated readings before.
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Double posted - sorry!!
Oops - double posted! Sorry not awake yet! :rotfl:
