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Credit card query
Morning all, I have a question that I thought one of you could answer. I booked a flight in January using my credit card which was later cancelled, I rebooked the flight with another airline but since I have quit using my credit card I paid using my debit card. What I would like to know is- the refund for the cancelled…
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urgent hlp required
Hello, this is my first post. I have been reading this board for a while now and am amazed at the wealth of knowledge and support on theis site. Thank you. My problem is that my OH and myself have 2 personal loans and various credit cards that total 55K. We have a mortgage of 225k. All of our cc are nearly maxed. This is…
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Variation Order
For those of you who have read my previous...Payplan did eventually get back to me. I explained to them that my husband and I had applied for variation orders on both debts with Asset Link. They shocked me by saying that Asset Link had agreed to the payments that have been made for over a year now. So now it seems we have…
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Are we doing the right thing?
I was just thinking about our money situation and wondered if you guys think we are doing the right thing. Both OH and I have student debts totalling £25,000 I have a £3,000 overdraft OH has a very small overdraft Neither of us are earning enough to have the loan repayments taken from our wages, I am being payed sick pay…
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CCCS Advice.
If anyone could give me some advice on the Pro's and Con's of using a debt management plan with CCCS I would very much appreciate it. Before Xmas I bought a shared ownership property. It wasnt an ideal time as at that point I already had around £8000 outstanding debts, which I was able to keep up repayments on as I was…
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Hamilton Locke - Any experience?
My sister has been in contact with this company https://www.hamiltonlocke.co.uk. Does anyone have any experience of using them. I am trying to check out if they are legitimate and OK for her to proceed with. Thanks. MaisyMay
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Temping
Not sure if this is the right place for this... I temped for a company last Feb and Mar and then left to go to a company that was offering the job on a temp to perm basis. Well, as things turned out, this did not happen. I left to rejoin the original company (as their 'new' temp was leaving) and have been there since Sept…
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Sky
I am pretty new to this and am trying to save money wherever I can, I have read a few comments from people who have rang sky to cancel to try and get their monthly fee's reduced. I have just done this and a five minute phone call just saved me £20 a month for the next three months. . . How easy was that! I just told them I…
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Can anyone give some advice?
Lightbulb today! Owe Sainsburys 14400 6.3% 334pm (30/48 payments left) Barclaycard 9900 13.9% 250pm (12000 limit) Marbles 680 13.9% 35pm (6000) HFC 580 29.9% 20.50pm HFC 178 29.9% 8.76pm DELL 320 0% till aug 10pm Barclays O/D 1450 Barclays O/D 800 LXDirect 250 25.9% 10pm HFC 20 20pm last payment 0% Total Debt 28,578 :eek:…
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Debt Now Below 10k Yeaaah
Just had to post how great I am feeling today. Started here at DFW with a debt of £10,800 in January. Today made more payments on credit cards and now the debt is just below the £10k mark. Its amazing me that the debt is going down each month. Before my lightbulb moment it would have still been going up every month, using…
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Help With Moorcroft
This is the first time on this site, and I think its great! Anyway lets get down to business. I have been a naughty girl with British Gas and they have sent my account to Moorcroft credit. (luckly i changed supplier before they did this!! so my gas supply is safe) I phoned then up to arrange a payment plan and the…
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Where do they stand?
Hi ! my friend and her husband took on a huge 100% mortgage about 2 years ago and now they've had a big drop in income and can't afford to live there anymore. I know for a fact that they lied about their income to get the mortgage. I'm pretty sure they have other loans and credit card debt too! well to cut a long story…
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freezing interest on c cards
if i rang my credit card companies and told them that I was having problems making the payments each month, can they freeze the interest for you? sorry if its a daft question
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Strike costs
Work in school and, due to strike, no kids in. Was told that I had to go in (not a union member) or I wouldn;t get paid. Ended up scanning library books into computer all day as there was nothing else for me to do. The worst of it is all the staff had organised to have lunch out and the job was so mindnumbingly boring I…
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Florescent (sp) lights
My hubby and I were discussing today about these kinds of lights. We have both been told by our parents that it takes more electricity to knock them on and off than it does to keep them on. Now as we're fanatical about knocking lights off in the house this one is a bit of a quandry. Does it take more electricity to knock…
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Which Debts to pay off
Hi guys, I new here so please bear with me :o just after some advice about which of these debts we should pay off. The idea is to try to reduce our monthly out goings as the OH is in the process of setting up his own business so from next month will only be working part time in his current job so his wages will be cut in…
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Picking up money from the street...
do you do this? My DH is fanatical about it! Last year he saved £52 in his piggy bank from money he picked up off the street! His favourite thing now is to leave the shopping trolley back as he's found £'s there lots of times...people just can't be bothered to bend down and pick up the money if they've dropped it! When I…
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Babysitting Rates
Can anyone help please- a mum i am friendly with at school has asked me to babysit this weekend when my DD is at her dad's She is a single parent with a 2 1/2 year old & nearly 7 year old & i think she will want me from about 9-12 but it may be longer. The younger girl will be in bed but i'll have to put the older one to…
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Help please-Can I claim back Credit Card charges?
Hi I just wondered if you I can claim back Credit Card charges-overlimit fees and late payment fees? I am now on a plan with Capital One but they have charged me loads in fees over the past couple of years(my own fault I know!!!). I have just read somewhere that i may be able to claim them back? Thanks for any help xx
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I would be a better money saver if....
I wasn't so addicted to chocolate! Don't laugh it is true, I need my daily fix or else I get all fidgety. I don't think a day goes by without me having some. My fiance is starting to think Ive got a serious problem, honestly. My 'addiction' means I find excuses to go to the shop more than I should, if I don't have any…
