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Halifax and Bank charges, please help!!!
Hi all! Back again! I have just had a re-juggle of all my finances and messed up basically! I ahve been transfaring money from one bank to another, paying off debts etc and forgot about a cheque that i wrote a while ago! Anyway to cut a long story short on the 11th of this month i went over my arranged O/D by £2.04, for…
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Rent Arrears
Does anyone know if Council rent arrears can be included in Bankruptcy, its just Ive been asked by someone who's considering it. I know about the ruling that Council Tax arrears arent, but not sure about the rent. Also, if they do go Bankrupt do the Council still have an obligation to house them or can they refuse? At the…
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A bit down!
Sorry peeps, but I think i am having an off day. I am expecting a little telling off for some off this post, but I am prepared! I am however close to tears too. Its my daughters prom tomorrow night. Costs of prom are £20 limo (ride round town!) Nails (£20) Fake tan (£20) shoes (borrowed) Hair (should have been £20 but no…
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Question about bank charges
I get this. But I have a question. If charges above £12 are presumed unfair and unenforceable, then how come the banks are for the most part, it would seem, settling in full? Why aren't they just settling the difference between each actual charge, e.g. if you get a charge of £20 why do you get £20 back (or why can you…
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citicard
Hi all does any one have the head office address or email address for citicard credit card dept thankyou in anticipation
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Opening a business bank account?
If you are I need you for a PAID £50 or £100 for a market research project . See my thread on the referers board.
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My great 2nd Job!!
I was racking my brains as to what I could do along side my day job to boost my income and pay off my debts quicker and have a bit of dosh spare! I have been doing Party Organising for a well known company selling Ladies Adult Goodies and I am loving it, plus it is bringing in that extra cash that will bring my Debt Free…
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MBNA - Groundhog Day
Im feeling pretty depressed today - the phone calls have started to come! i've had 5 today and 3 were with MBNA - explaning the same thing to 3 different people - yet all of them said they were making a note on the computer - at least the last time it was actually an ENGLISH (no disrespect to non-english persons) person -…
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Freezer broken down ??
Hi There Can anyone help me out here. My son bought a brand new Fridge Freezer from Comet about 18 months back and never took out extended warranty as way to much. He phoned me yesterday to tell me that the freezer has stopped working and completely defrosted. I am so annoyed as I would have thought it would have lasted…
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Budgeting!!
Hello Everyone! How are you all? Just wondering, what does everyone find, are the best ways to budget for stuff? EG Nights out, petrol, food etc. Do you set out a seperate amount each week? At the moment, I give myself a daily allowance which is working pretty well. i draw £150 at the start of the month and give my debit…
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Probably being paranoid - phone calls query
I am well used to getting calls from my creditors asking me for additional payments, they don't give up do they! I have learnt to recognise what numbers they are and don't usually answer as I don't ever have anything to give them as I am on a DMP with CCCS and they are getting something! This morning twice my mobile has…
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how to cut electric
how can i cut back on electric use i have just been told that my weekly payment for electric has gone up from 10.00 per week to 16.00 per week any ideas i have unpluged things we dont use ie vidio microwave but its not made no differance any ideas please i live in a three bed house is this a normal amount of money for this…
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reality sets in
just got my annual mortgage statement. of course i know howv much i owe but the statement detailing payments,interest,arrears etc is FRIGHTENING!
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My Secret Debt
Hi all, Wondering if some people with previous experience or relative tips would be willing to give me some advice. I'm 23 and now working full time, having been in University studying computers for 4 years. I lived at home throughout uni and my parents paid my course fees. When i started uni (nearly 5 years ago now), my…
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Littlewoods
Hi, I used to have a littlewoods account that I just bought things from every month (usually clothes) I never got round to sending things back if I didn't like them so ended up just spending for spendings sake. I think I was addicted, it would cheer me up to get a parcel sent to me. Like I was buying myself presents. I…
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Finally got a reality check!!
Hi All, I have been searching these sites for months in denial about my debt problems, and now having realised that i am going to struggle yet again this month to pay all the bills i have had my lightbulb moment..... My salalry is £18000 a year which is about £1100 a month take home, yet I had my second child in february…
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calculating when I will be debt free
Hi there Does anyone know of an easy way I can play about with what I pay to my debt each month to calculate my optimum payments and know when I will be debt free?
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When are you most likely to impulse buy?
Just wondered if everyone had certain times or places when the impulse buy urge most hits them? For me, it always seems to be when I'm tired, I seem to be less in control of fighting the urge to spend money. I generally stay clear of record shops these days I can quite happily spend a whole day in them rooting through all…
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Sick of Juggling Money!!!
Just an anger vent thread really!!!:mad: I'm SOOOO sick of having to juggle money - i wish i'd never let myself get into the situation where i had to do so!! Feel so angry with myself and even though i get down in the dumps (more and more lately) it has also made me determined never to sink this low again!! Anyone else…
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Try using cash
Hello Everyone, I used your website a few months ago and since then I have really sorted myself out. I got rid of my car through the hire purchase loophole, saving myself £230 a month just on the finance! I have also used all the tips from this website to change APR's, phone bills etc. I set myself a budget every month and…
