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An expensive mistake or can I get my money back???
Received my CC statement this morning and there was a late charge for non payment of last month's bill. I knew I had paid it and so contacted my bank with details of the payment and date of payment. It turns out that I mistakenly made the payment to my ex-employer ( I had previously made a payment to them for reasons that…
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Suggestions on my SOA please
Income: £1,867 - Salary (including paying back interest-free season ticket loan) £850 - DH for share of household bills Total Income = £2,717 Outgoings: £891 = Mortgage £86 = Life/Critical Illness cover £74 = Gas & Electric (just moved from London Energy to Powergen, saving £19/month) £75 = NTL (3MB Broadband, TV and…
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When are you a defaulter ?
Hi, I have arranged payment plans with my cr.card companies directly without the cccs etc. and have kept to them, will I be registered as defaulting if I keep up the agreed payments or have I defaulted already just by making a payment plan ? Anyone been in the same situation & do you know the answer ? Thanks :confused:
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Not to winge or anything...
I just wonder if anyone is in a similar situation... 6 months ago, I split with my long-term partner... we had just bought a flat together under 100% mortgage, and I was determined to keep it myself, so he moved out and I stayed. The mortgage company won't allow me to take his name off the mortgage because it is for 6 x my…
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HSBC Card 0% Offer
Got my HSBC credit card this morning only to discover they have extended the 0% balance transfer period from 6 to 9 months...fantastic! They gave me a limit of £2000, more than I expected to get so I've just transfered £2000 from my Marbles card (19.9% :eek: ) to HSBC - no transfer fee too...a cracking deal!
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How much did you spend today? 11/3
Hello!! Well, I did decide to come into work (it was a bit touch and go for a while!!) - so I am earning £60 (before tax) today. I am then going to my parents for the rest of the weekend, so about £7 each way on the train (using my Network Gold Card - oooh posh!!).. Shouldnt spend much whilst I am there although am going…
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Advice Re Partner's debts
I have been living with my partner for 6 years and we have a child between us age 4 years. We have seperate accounts but he admitted he had been paying mortgage payments on his ex-wife's property which cannot afford now and house going through possible reposession (in turn which will affect his credit rating for 6 years)…
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Am I doing the right thing
My other half run up tones of debts when he was working, then he was in a major car accident which has left him disabled for life. He needs a full time carer (me). So I have had to give up work, we have 2 children and a mortgage. Our debt is just under £18,000 not including around £4,000 of student loans which are mine but…
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Shock of bank charges
I was doing so well this month . I'd got some money in my paypal account for the groceries, the Council Tax and water rates don't get taken from this month's salary and so I was able to chuck a bit extra atthe debts and know i'd be about £150 below my o/d limit this month - something to give me a little 'springboard' to…
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Best way to save for holiday but reduce debts?!
As you may see from my signature I am in quite a bit of debt and part of that has stemmed from my live life to the fullest philosophy....so to carry on with old habits I am planning to go and work in Australia for a year in Septmber 2007. After doing a bit of research I have calculated that I will need about £10,000 to…
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Reducing monthly payments
Hi there Really need some help! I need to reduce my monthly payments across the board, always in the red at the end of the month, so.... I have a car on finance with GE Capital, 2 years left to repay. I ideally want to get rid of this car, for something that costs less on insurance and petrol. Also reducing my repayments…
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advice needed - being sued
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Combining debt with a new mortgage
Hi Everyone, Im completely new to this and looking for genuine friendly advice. Im looking to buy a property later in the year, ideally I would like to consolidate a loan into the amount I borrow as a mortgage. What are the opportunities to do this, the limits, pros and cons. Cheers
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What does being skint mean to you?
Hey everyone, I've been pondering this since yesterday since the girl I sit opposite at work was saying how skint she was. However she then proceeded to:-* go out for lunch (at least £10) yesterday * has spent at least £200 on clothes this month * is getting her hair done next week (£80) * is planning a big night out…
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Identity fraud and Data Protection Act
This story is so unbeleivable I have to share it with you! I moved into my flat and understood it had a bad credit history from previous tenants - I had massive problems getting the phone, utilities reconnected and in my name because of outstanding bills on the property etc etc About 6 months after i moved in, I got a…
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EBAY - what do you sell
Hi all. I have read a LOT of posts on this forum and have only recently started posting. I have notced a lot of people say they earn money by selling stuff on EBAY. Not wanting to start a major competition war, I was just wondering what types of things peolpe sell - I can't think of anything I have that people would want…
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Advice needed please
This is my first post. I have been reading for a while now and have just registered. I hope someone can give me some advice please. Over the years myself and my husband have racked up £25k of debt through foolish spending and also change of circumstances. We have been on a DMP with CCCS for the past few years and they have…
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MINT & Barclaycard Mind Games - Advice Please
I bit the bullet back in January, having lost my job last year, and contacted my debtors with the standard NDL letter and SOA, proposing a token payment until I get another job. Capital One responded quite promptly and accepted my token payment plan of £1.00 for 6 months and were very cooperative about the whole thing.…
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Car AD-Wraps
Hi All, I was looking at ways to make some extra and have seen a couple of sites that pay to use your car to advertise by covering the whole thing in plastic. It says it can pay between £60 and £200 per month just for doing what you normally do. Q1) Anyone had any experience of or is currently doing this? Q2) any thoughts?…
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Credit files- getting them back to normal once debt free..
hello fellow debt free wanabees,,, since finding this website my debts are slowly flittering away... i have paid more off my debts since i joined this site 3 months ago then i had in a year!!!! applied for credit files so we could see what the damage currently was.. heres the result my experian 1 default tmobile defaulted…
