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More MBNA Intimidation/Scare Tactics!!
MBNA!! They are such a bunch of horrible, horrible people. I posted here a while back about one of their people pestering our neighbours by phone and getting them to drop notes through our door, telling us to contact MBNA. We fully accept we are responsible for our debts and are doing our best to put the situation right…
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What have you spent? 17/5
Morning!!!! (ish) How are you all today? I was at the gym at 07:00am this morning - well done me!! And just resisted the choccie biscuits & jaffa cakes that are being passed around the office!! :T Its suddenly dawned on me that come Friday I only have 9 weeks left of work. It may sound like a lot, but its not long, and I…
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opening new current account
my OH has had problems with his bank and they have confiscated his card due to "poor running of his account". He has cheques etc that he wants to pay in, but then he wont be able to use his card to pay people! Is he better to get a new account, and if so, which bank would be best?
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Sick and tired of it all
Hi all, Sorry to come in and be a real misery guts but I am feeling so down today I need to get it off my chest. I got a bill from Scottish Power last week saying that we owe the £780 in arrears. It turns out that they had been estimating my bill (well underestimating so it seems) so my payments have gone from £44p/m to…
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Just got a big bunch of flowers
from Barclays with their personal apologies. Much as they are beautiful, it has confused me a bit. I ask for charges back and they send me flowers.:confused:
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Debt free = clutter free?
Just having a ponder about my debts and thinking that I really need to get on with selling stuff on ebay... which got me thinking that this whole being in debt thing could be a good thing. :eek: WHAT?? I hear you cry... well, already, since beginning my journey (about 4 weeks ago) I have been through all my old paperwork,…
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Home Insurance
I just wanted to let evryone know that someone on here advised me to shop around to try and save with my home insurance. I tried Barclaycard home ins (also barclays bank i think) and they have an offer on where they will either beat your current price or put the price of theirs down and give you fify quid. I called them…
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Anyone else got to the point of being a complete miser??
As the title says........ I have cut back my spending so much and for so long now, that i feel im just a complete miser!! I find myself reading the "What have you spent today" thread daily and thinking......."You actually spent money on THAT??" Im at a point where as well as clearing the debts, i actually, for the first…
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Bank loan default notice
I have a bank loan that I can't afford the full payments on and i've been trying to get them to accept my offer of payment (which they won't do as they somehow think I can get blood from a stone!). The outstanding (settlement) amount was around £23,000 when I last spoke to them. They've now sent me a default notice but the…
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Bank/Credit card charges
I closed my bank account a year ago due to them charging me for going overdrawn, can I still claim back the charges from them even though my account is closed? and can I claim back late payment fee on credit cards the same way as bank charges. Thanks Hilary
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Urgent help needed please
Hi guys Really hope you can help here. My Mum came to me for help today, and below is her SOA. Thought I might be able to help, but I’m afraid that when I did our budget our debt was mostly credit cards, and after cutting back we had spare cash. Unfortunately as you can see this isn’t the case for my Mum. The only good…
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Please help me use this forum
Hello everyone, I have been receiving Martins emails for some time now but have never used the forums. I am trying to find the one that tells you about getting unfair bank charges back. Any help appreciated. Cheers, mum
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The sandwich piggy
OK folks, here it is! Your sandwich pig to save money! :D RULES 1. A 'pig' is something you keep money in. It does not have to be pink, round, or go oink. You may however be tempted to 'feed' something that looks cute more regularly. Sandwich pigs (SP) rule! :beer: 2. Each time you eat a home made lunch (HML) at work,…
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Help: Boy's Christening present (on a budget)
Hi all :) I'm really hoping you guys can help me out here. I'm going to be the Godfather at one of my best friend's son's Christening soon (don't worry, i'll spare you the Brando impressions). But here's my dilemma: * The last Christening I attended was my own * I've no idea what's expected of the GF (on the day, i mean,…
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**Update** My debt free problems
My body is confused ...I suppose because I don't know whether to laugh or cry. I've spent all of my adult life in debt, since getting credit shortly after turning 18 until I'm nearly 25 I've been totally owned by creditors for all of my adult life. I got home today to find the Royal Bank of Scotland caved in to my bank…
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Just fancied a rant- I HATE S LOANS CO!!
Aaargh, they really are bad arnt they? Student loans co. I take it all back "they are brill on the phone"- no they are not. Called them to ask how much i owe them ( my understanding, confirmed for me in March was at this stage I'll owe them 600 or 6 months. Now the guy on the phone told me i owe 924.86 :confused: How can I…
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Is this a first?!!
In brief I changed accounts to Lloyds & they made one !!!! up after another (ie couldnt even spell my name right -how hard is fishface to spell eh?!!)...anyhow...spoke to manager & requested full written explanation of what had got wrong. Got this today along with a huge bunch of flowers & apology note!! OK would have…
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Overdrawn and in need of help!!
Ok, so not exactly an original story, but i've got a rather large overdraft which i'd love to get rid of! I;m with barclays at the moment, and being charged quite high interest rates i think! Seen the info on alliance and leicester current account, but my overdraft is over £1000, i presume this would affect the 0% part????…
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RAC Problems - copied from motoring board
Hi All, Wondered if anyone had any advice about this .... RAC renewal was due on the 22nd of April for £97.50 - had looked about for a better deal so I cancelled the DD from my bank to RAC , unfortunately they took the £97.50 from a credit card I had used to pay last year. I didn;t realise this until I got my credit card…
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Identity Theft
My mother has become a victim of identity theft. It seems someone, somewhere has taken out a credit card using her details and run up some considerable debt. We only found out about it after receiving threatening letters by a 3rd party debt collection agency who have "bought" the debt from MBNA. To cut a long story short,…
