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not so easy card help please
hi I have set up my own dmp and thought I still needed a credit card so I had a look at the pre pay one's online .I found one from easy card in the uk so applied online for the pack . When the pack came through the charges were excessive so I never sent back the registration fee and put in the bin where it belonged. Now I…
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What have you spent today - Fri 21/4/06
Today is a bit up in the air as I don't know what I'm doing yet - if I can get out of gardening by going grocery shopping I'd much prefer it! And if anyone has any rain about - please send it to the Cheltenham area... thank you! :) Good luck with restrained spending everyone.
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Why is there so much pressure to go on expensive holidays?
I know this is a bit of a rant but I knew that you guys would understand. At the moment, every person I know is either telling me about the wonderful holiday they've got planned or asking me where I'm going away this year. And I'm not just talking a few weeks in Spain or Greece, but everyone I know is taking trips to…
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Help plz..... lloyds stealing my money
Ok, heres the story..... I have a Platinum card from Lloyds. Its up to its limit and i havent been able to keep up the repayments (£150 a month). I have other debts, but these are all taken care of and no payments have ever been missed, so really i only have the one problem debt. Lloyds is where i hold my current account,…
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NTL charges
Just a reminder if anyone is on NTL.... from April 1st they are charging a £10 late payment fee if the bill is not settled by the time the next one is due. Also the charge for not paying by Direct Debit is increasing from £1 to £4 from 1st June... Thanks..
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Which is best????
Hi I have about 25k of debt. Next storecard, 2 catalogues, 3 credit cards. Iam managing at the moment to pay the minimum payments but this only ever covers the interest so the balance never decreases. At this rate I will be paying them for another 25 years. Should I contact Payplan or CCCS or is it better to continue as…
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Struggling to stay motivated
I'm having a bad week. The reality of my situation is gradually sinking in and I'm feeling very grumpy about my general lack of money. I have £220 per month to cover general spending: hair cuts, presents, mobile phone, dry cleaning/repairs, going out, clothes, club memberships etc. The trouble is that I'm really struggling…
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Credit card debt debts
I am a student who works parttime earning 400 quid a month.. I have only 50-60 quid left after Ive paid for the rent and food.. Unfortunately I got 3 credit cards and am in debt of nearly 7000.. I havent made a payment for over 6 months now and have received letters of debt collectors recalling the debt.. I am extremely…
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what is your one wish ?
Okay apart from the obvious if i could grant you one wish what would that wish be. Your not allowed to ask to be debt free or to win the money to be debt free. My wish would be I could tell all the people who I need to tell stuff to what i really think without them hitting me ( or hating me forever or losing the plot with…
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wish us luck CCCS tele app tomorrow :)
It's finally here and we have our telephone appointment with CCCS tomorrow :) cant wait lol
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Basic Bank Account
Hi Just spoke to National Debtline, unfortunately they can't help me at the mo cos I am on Maternity leave. Advised me to get a basic account which isn't linked to Barclays, Cahoot and Capital One - anyone have any ideas?? Thanks
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Student Loans Problem
Does anybody know if a late payment to Student Loans goes against your credit rating? I won't bore you all with the gory details, but basically, I rang them to change my D/D details, they did not take a payment ( their fault, they admitted they gave me incorrect info) they then sent me nasty letters saying that I was in…
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DFW Presents
:mad: It me annoyed again. It was my sons birthday yesterday and I managed to have a bowling party for him and get him a present all at discounted prices, so even though spent quite a bit, it wasn't as much as I would have spent in the past. Now onto the annoyed bit. It is my friend's son's birthday tomorrow and I wouldn't…
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Has anyone else not told their partner about their debt and got through it?
Just wondered if anyone has not told their partner and managed to keep it a secret. I can't tell my husband - today he found out his brother is in debt and he has gone on and on about it saying how stupid he is and it is only his fault. I know I will get the same answer and probably worse!!!
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Ms London where are you?????
We're supposed to be having a drink tonight - I've emailed and texted but no response. are you OK. we still on for it? Sorry everyone else! But think of it as a bit of fun, like Where's Wally? or something!!
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Can anyone advise me on a bankruptcy issue....
My partner is going bankrupt with 80k of debt, of which he accrued long before I met him, with his (now ex) wife. Although the actual cards are in his name, a friend has mentioned that she is partly responsible as she benefitted from the debt, and it was accrued during their marriage. Im not sure where he stands on this,…
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Bankruptcy-The end is finally in sight
Well, it's been an interesting year being a bankrupt, but the end is finally in sight for me. My automatic discharge is on the 9th May. There is one question that I haven't been able to find the answer for. Will my bankruptcy details be updated automatically by the credit reference agencies, or will I need to forward them…
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Who to complain to ?
Hi does anyone know who i complain to about my bank Hsbc they are bunch of useless muppets supposed to ring me back about 12 times over the last week or 2 and only phoned me twice regarding sorting a loan out to consilidate my cc's and accounts yet they have rung me 7 times in 2 days regarding my acount being over its…
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Switching bank to Cahoot
Hi Someone kindly recommended posting here, as I'm about to start switching bank accounts before then claiming interest charges from the bank I'm leaving (NatWest), especially as interest charges are due to rise soon and won't be able to manage. Been trying very hard to reduce overdraft, but interest means it's very…
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Hi everyone, advise please.
Hi folks, I would just like to know what you would do in my situation, Right, the situation, I was made unemployed a couple of months ago, and finding it desperately hard to secure employment. I am not lazy and I do want to work! I am not recieving any benefits as I was sacked from my last employer,(currentley appealing),…
