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I Love Coins!
Forget big note denominations, I love coins! This site has given me a new love for these things that used to weigh down my pocket and get given away ASAP! I have a £2 coing tin, a £1 coing tin, 20p jar, copper pig and a 50p pint glass!!!! I got so excited when someone says "Sorry, we have run out of notes I'll have to give…
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Capital one won't reduce my credit limit
I want to reduce it from £680 to £600 as I'm trying to get rid of the damn thing. There is £92 available credit at the moment on an APR of 26% (they must be joking). They are charging me more interset this month than last month even though I owe them less. They say they can't reduce it as it less than £100. Funny last…
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Central Debt Enforcement Agency CDEA Worthing
Hi I was trying to find out some more info on this company when i came across this site I had an outstanding overdraft with HSBC made up mainly from bank charges, but before i could argue the toss with them about being unfairly charged they told me not to worry as it was settled. I then recieved a letter from the above…
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What have you spent today - Tues 23/5/06
Wey Hey…Whooo Hoo… :dance: ...er.. I mean … Boo Hoo. :rolleyes: Spent a small fortune this morning – topped up the Mobile Phone thingy…£10.00. So to cheer myself up… hee hee… :D bought a nice packet of 4 current cakes – how wonderful. :p Gosh… then I needed some butter to go with them – how cool is that…wey hey… :dance:…
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Full and Final Settlement on Old Debt
Wonderful site. My apologies if this has been discussed in other threads. I was discharged last year, and now in a better financial position I have an accountant looking over my old debts, and in contact with the liquidators, who are telling me I still owe the IR a significant amount, but also I incurred 4k's worth of…
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How to switch debt to cheaper interest rates when you have poor credit rating?
Hi, it's ages since I've been on here and a lot has happened since. I left when I got flamed by someone, but am braving the board again in the hope that someone can help. I'll post my SOA later (am supposed to be working now!) but in the meantime to cut a long story short my husband's business has gone down and he and his…
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can some one help me with overdraft/credit card/budget??
ok. feel in a pickle today about money as we are trying for a baby, so worrying about the future and if we can afford it etc... our salaries combined are £2413 Outgoings council tax £107.00 insurance £101.27 gas and electric £45.00 water £70.00 phone/broadband £200.00 buildings ins £32.02 food £90.00 petrol £150.00 savings…
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Link to see if you are entitled to working tax credit
Hello All, Thought this might help some people out, theres a drop down menu for other benifits to. http://www.entitledto.co.uk/default.asp Good luck Joseph
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Is it better to use a CC or loan?
Evenin' all. I've tonight added up my CC debt and it's scared me to see it at £15k. None of it is on O% at the moment. I'm paying over £400pcm just on minimum payments, which is ridiculous. Options: * Balance transfer to 0% or low LOB, or * Personal unsecured loan and pay the lot off in 5 years Of course, each scenario…
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DMP and mortgage fixed rate soon to end
I have a DMP with CCCS (started in oct 05) and am worried about the end of my fixed rate period on my mortgage. Will my current mortgage company do another credit check before offering me another fixed rate? I'm concerned cos I can't afford for my outgoings to go up. They have already increased since I took the DMP…
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What would you do?
Hello I would really appreciate some advice on the following situation: We currently have around 10k's worth of debt. This is broken down as follows: Lloyds Bank overdrafts £-2875.01 Alliance & Leicester overdraft £-240.21 (on 0% until May 07) Egg Credit Card £5394.94 (currently on 0% due to finish June 06) Virgin Loan…
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help
hello again all you lovely people I have lost the will to become debt free please help
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The Evils of Heating!!
Reading another thread about immersion heaters reminded me of something. One thing thats ALWAYS been ingrained in me is the evil (thumps bible!!!) of heating. I think I picked it up from my grandad. Icicles had to be hanging from the ceiling before he'd even say the word 'thermostat' - he'd tell us to put more clothes on.…
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Suffering from Anxiety
Feel awful today. Since joining MSE I have cut down on our outgoings, paid extra every month on the credit cards and really cut down a lot on the interest rates being charged. Plus taken a second job as an Avon Rep. However, since Friday I have been having these feelings that something really awful is going to happen, but…
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Going to bite the bullet - Part 2. No reprieve.
Part one - http://forums.moneysavingexpert.com/showthread.html?t=172848 Anyhow, for a quick summary of part 1 - we were toying with bankruptcy, OH got a better job and we thought we were reprieved. Part 2 - Turns out it was a false hope. Had a nice long chat with Payplan today. Its taken ages as we have been playing…
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I feel like ~@$*
I am working so hard to pay off our debts and thought I was doing so well - then we get an electricity bill showing a massive increase in payments.... Just when I was starting to feel more positive about our money and I am back to where I started. I know why the bill is higher ( I only moved into my house a year ago and I…
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Rough day, feeling beat up
Hey all, have had a triple whammy today, and could do with a bit of support. Spent time on phone yesterday with (soon to be) ex hubby - he's suicidal right now cos of the divorce (long story, basically he moved to manchester to get head together, I find out 2 months on he's living with a lady of negotiable virtue and her…
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Wannabe Card Tart!
I have a few debts outstanding (i.e. bills not yet paid) to builders/landscapers etc....the tail end of a house build.....totalling around £6,000. I only have a personal unsecured loan of £25k at the moment which I am happy with (6.1%) but still need to pay these other guys! None of them take cards (cheque or cash…
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Debt Free ???? :)
*Stands in que for debt free certificate* Evening Folks Well yesterday I finally got the cash for the car :) So with that I am going to clear all my debts. I have made all the necessary arrangements to clear them. It feels good. and I owe it all to 'you lot' if you hadn't hit me over the head and knocked the sense into me,…
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fao Lenny mfo
Any update on work situation? Been worrying/ thinking about you!
