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Weird letter
Hi All Thought Id share this one with you Egg have been realy helpful with my financial issues. Advising me wo to call , local debt counsellors. Non threataning letters etc....... Anyhow out of the blue , I got a letter saying that my offer of payment had been accepted as long as the following conditions were met. Then…
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Advice re overdraft?
Hi My son is going to America in the summer through Uni. He is really short of money and is going to , in his words, up his 0% overdraft. I was wondering how long they have to pay this back and how long it remains at 0%? I am sure I asked a similar question a while ago but cant remember what I was told. Thanks for the…
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How much have you spent on Good Friday (14/04/06)?
nothing for me, room hunting today and golf in about 40 minutes! Will
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Oohh! I'm scared
I've just signed up for a free 30 day trial with Experience and I'm waiting for my credit report to come through! I've organised a DIY debt plan and have been on it for about 18 months now - time will tell!
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OH thinks I'm mad!
oh dear.... Was just checking my balances (why do I now do that at least once every few days and my current account a couple of times a day?) and was checking to see how much I was going to transfer from my egg card, when I read my messages in the money section, egg had messaged me telling me I could get 5.9% for the whole…
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debt management help needed!
A friend had a loan with Barclays bank for £7000 was made unemployed after making payments for a year. Payment protection insurance paid for a further year. when speaking to Barclay loan they asked what they they should do and were told the only advice he could give was to take another loan. My friend told them they were…
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All getting too much
Hi all, Having a bad time at moment,contacted Payplan today to find out how everything is ticking along,we thought as calls have died down that everything was ok,but we found out that ALL creditors have flatly refused offers,discussed this with Payplan and they say that it could take up to 3 years to get offers accepted…
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BBC Spendaholics.
Just wondering if anyone watches this. I've just watched a pretty sound episode where they helped a woman who was in debt and overspending every month. She did really well. The show is very much in the vogue of new help programs, think "would you buy a house with a stranger?","pay off your mortgage in 2 years", etc. It has…
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Had Enough
me and my lovely husband have never had a holiday 2 gether, weve only been married 3years in june. sad though it may seem were both in debt (debts due to attempts at IVF, got a lump in my throat) not only ivf other debts aswell, and have been trying hard all this time to make a diff 2 our debts to which a little we have…
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This board's addictive.........
I am sure I can get plenty of use out of the other boards aswell.............but I'm drawn to this one every time I log on..... :D .
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Cheap hobbies, fun & treats
Just wondered what cheap pastimes people found to cheer themselves up during the journey to a black bank balance. I enjoy crafts and embroidery, but the materials are so expensive that I don't indulge too often. Walking and running in the countryside are free, but only fun when the weather is favourable. I'm also a Guider…
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Credit card debt to a loan...?
Hello, I currently have £2,500 of credit card debt with Capital One at 15.9%, £1,000 on a Nationwide credit card at 14.9%, and £700 on an Egg card at 0% until October. I've just received a phone call and subsequent mail from Capital One offering me a loan at 5.4% (typical). I could borrow £3000, and pay off the majority of…
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Anti MoneySaving in adverts
Just saw an advert for magnet kitchens, which looked like a nice kitchen, but obviously costs lots of money Anyways i noticed a pizza box on the table, and the bloke tucking into the italian takeaway, with his missus smiling away How ironic, spend 1000s on a kitchen, then pay a tenner for a takeout She obviously hasnt seen…
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Fed up today...
I think i'M GEtting a cold, the children are off school and bored already. Car tax bill arrived this morning and they both need new school shoes.I'm going to just get 6 months car tax ( hopefully have no credit card debt in 6 months time) and the shoes will go on the credit card I pay off every month, but with all that,…
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Bank Account with Bad Credit
Hi All Quick background update first then I'll get to the questions: I have an old school friend staying with me at present. Basically he moved away some years back but things went a bit wrong, he lost his job, couldn't pay his rent or loans, racked up some debts, etc. Rather than trying to sort it out, he ran away from…
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Bad Day, Good Day
Hi, My intro post has been bumped down a fair amount, (no responses :sad:) I joined earlier today. I work in local government and we were told about a week ago that our pay (usually 15th) wouldn't go in until the 18th, we were all extremely !!!!!! off as you can imagine but to make matters worse we were told today that due…
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Best way to manage debt?
Have loan with Natwest for approx 9500 left on it and 3 years. approx 3000 on one credit card and 900 on another. None interest free or cheap interest. Have looked at tesco/cahoot for 5.9% to pay off loan and credit cards. Is this the best way to sort this debt out, really want rid of the CC. Please help, any advice much…
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cinema membership??
Quote: Tomorrow I am having a free leg wax - then going to check out the nearest (well, not that close) Tesco Superstore to see what bargains I can find. Might also go to gym (paid for in membership) and cinema (paid for in membership). Can anyone tell me some more about the "cinema membership" please? Is it only certain…
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Pleasant surprise
So I check online banking this morning as I get paid Friday but with it been Easter my money should be in today.I worked out it should just be £40 due to only worked a few days this pay period, I check and I have to recheck. Turns out the IR have given me a Tax refund of £437.35, I wasn't notified of this but my pay slip…
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Best way to clear £3,500 credit card debt
I have a £3,500 credit card debt with Egg at their standard interest rate. My credit score at the moment is very low (checked via Zopa) and the last few applications for credit cards (to transfer) and an unsecured loan were declined. I'm now thinking about my remaining options. I'm thinking of either (a) Attempting to pay…
