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I hate Mondays!
Just a bit of a rant but hopefully someone might be able to help, after burning myself ironing my BFs £80 shirt ( :mad: how can a shirt cost £80!!!!!!) this morning I opened the new council tax bill only to find out that they are still charging us as though I was a student! So its single occupancy and 25% discount! So now…
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Bank charges
I have today received a letter from my bank (Barclays) as I have gone £7 over my agreed overdraft limit of £200. Theyhave charged me a paid referral fee of £25 - I really think this is excessive Is there any chance of being able to claim this back? thanks Christina
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could they do this?
hi everyone, after taking a paycut at work i'm now going to struggle to keep up repaying my debts, spoke to payplan today, they told me to write to each creditor explaining my situation and offer them all £1 a month, payplan also said that as i'm a homeowner with abit of equity that my creditors could try and secure the…
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argos problem
i have just learned of my wifes mistake after she broke down yesterday upset and angry at her own negligence after seeing her next payment they put the 2years interest on top, she bought a 3 piece suite from argos on a 24 months interest free credit, her intentions was to pay off the outstanding balance but overlooked the…
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been in debt before can@t believe I've done it again - HELP!
I think I'm on self destruct mode only I won't be simply taking me but my husband and 4 children (18yrs - 3yrs) and they haven't got a clue. I'm not extravagant we don't live the high life but this time last year I had a manageable £500 overdraft and 3,000 cc and now I have a whopping £7,000 loan, £6,600 cc and £700…
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Damned bills
Well looks like my budget has definitely gone to the dogs this month, I started out so well too. Car is going to cost me a fortune (approx £400 so far) for the fitting of a new clutch, service and MOT, this is just for labour and cost of MOT as I had already bought the clutch kit off ebay (cost £31 cheapest on internet was…
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Advice needed...
Here's the long and short of it. I have a good job, £1300 take home a month, plus a further £400 minimum extra income every month. However, 18 months ago I had to remortgage to £108k to clear some pieces (leaving approx £30k of equity in the house). Due to circumstances arisen from being made redundant 3 years ago, I…
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Unsure what to do all advice welcome
I'll keep as short as poss I owe lloydstsb £1300 I agreed to pay them £50 a month more when I can until the debt was cleared. They agreed to put me on a 12 interest free plan because I was being charged around £20 in interest. But over the past month I have been in contact with lloydstsb due to having interest charged to…
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Bankruptcy and SOA
Some advice on BR for my friend
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Advice needed with Store Cards - GE Money
Hi to all Debt Free Wannabes I am new to this and have found it so reassuring to know that I am not alone when I read the forum! Both my mum and I have just started on DMPs with CCCS due to reduced income and ill health. We are hoping to finally get some sleep and decrease stress soon as he have not slept over this for a…
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Hello!
I have been reading all the helpful threads, advice etc for a few weeks now, and finally decided to actually join! (You all seemed so helpful and nice it would have been churlish not to). My husband and I had a dimmer switch switched on by the bank back in September last year, and susbequently remortaged to cover credit…
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Sorting out my credit cards...
I've recently closed down 2 of my credit cards which have been inactive for a couple of years. I've also done the same with 2 store cards. I've just paid off my last store card and when the zero statment comes through I'll do the same with that one. The purpose for this is free up my available credit. These total to credit…
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My running updates - so I don't loose track :)
Well my To Do list for this week is now looking as follows: 1) List at least 5 items on Ebay (some are going on tonight - plus I already have a mobile phone/PDA on there which should fetch £150 fingers crossed ) Check! 4 items of clothes listed for £0.99 each and then there is the phone which should finish tomorrow - keep…
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Will a joint mortgage affect my credit score?
I've just received some good advice over at the mortgage board but am now wondering if someone over here can answer a question? I am unsure as to whether I should get a joint mortgage with my boyfriend (who has bad debt currently being paid off through cccs) as I do not want to get bad credit score due to being linked to…
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Help with dept please!
Hello! Great site! Ok, heres my problem. I had a loan from Abbey about 10 years ago for about £6000 + an £800 overdraft. I fell out of work and had my case handed to Wescot credit agency. Anyway, I started paying them £20 a month for the two depts. After paying this for around a year I fell ill with cfs (which I still…
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Advice from you lovely people!!
Hi...my DH and I finally calculated all the debt we have...from CC's, and two loans. It comes to £42k, this while not really a shock, we knew things were bad, it does seem impossible to overcome. We had been in the process of trying to consolidate the mess into one loan from our mortgage company but we've been turned down.…
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My Spouse Doesn't Know!!!
In the light of the present media frenzy concerning Tessa Jowell and her failure to know about her husband's financial affairs and coming onto this board to read several times that spouses don't know how much their partners are in debt. It made me wonder how easy or not it is to hide your financial affairs from your…
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token payment advice
hello all, i have been in touch with payplan and they have recommended i make a token payment to my creditors but i also got in touch with cccs and they said the same-only problem is that in the payplan pack there were no letter templates only in the cccs pack -if i use cccs does this mean that some time in the future i…
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Feeling Lonely
How do you get over this? I'm hoping it's wintertime blues. I live abroad and have 5 more months until my contract finishes. I feel quite isolated, I'm choosing to stay in and pay off the debt and consequently I've found that I dont get asked out so often anymore. All of my good friends left last year which didn't help. I…
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Help wit my Debts please
I got married last year and me and my hubby are in debts already, My Husband was already a bad debtor when i met him and i thought i could help him out but instead of me helping him out, he pulled me into it and i have ran up debts which i want cleared as i hate the hassle , worrying and everything. My SOA is Income My…
