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CC v "repayment account"
Hi Just had a call from one of my CC companies offering me a repayment account. Not heard of this before - has anyone else? I am nearing my limit (£6000) on my CC and paying 15.9% purchases and 21% cash advance (have transferred as much as I can onto two low LOB cards and can only make min payments each month i.e. it's a…
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Replies
I am now recieving some replies to my budget plan i sent out. Some have agreed ok, but couple of others are asking for an extra £5 or £10. I am on a very tight budget as it is CAB set out my budget. I am scared to say no as they are still lower than the minimum payments. I am easily bullied into agreeing more money but…
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debt free nerd numbers
how do i get one of these numbers regards mrs a
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Redundancy What Do I do??
Hi all I haven't been on this website for a while now and have missed it! Wandered if anyone could help suggest what I do in my current situation. I was made redundant a mth ago and am currently on "garden leave" (i.e still being paid until the end of June). In a way it is a good thing as I received a base package of…
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Is this a trick?
I finally started looking at reclaiming bank charges two weeks ago. I dont know what charges i have so i sent the letter requesting information. I have recieved a reply from first direct today. Saying they have recieved letter and would have all the information sent to me by courier shortly. But they have also returned my…
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bank charges
are all bank charges illegal or are some of them legal? i want to start the ball rolling and claim back any unfair bank charges, just not sure what i should be looking out for on my bank statements. can anyone help? thx
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money plant??
hi everyone just came home from the garden centre where i was spending my hard earned £s. in my defence i was buying herbs to grow for my old style cooking. my question is however, i ought a money plant and i have read somewhere on the forums that you have to place it in a specific place in your house. i have no idea where…
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In a bit of a mess...
Hi, I've been lurking for a while now and read the threads with great interest, most of the replies are helpful and supportive....So I've finally taken the plunge to post. Am very unhappy at the moment... Long story short but married for 17 years til 2 years ago, now divorced, had first (joint) mortgage at 20 and always…
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Why am I so rubbish with money?
I have been bailed out by my OH previously due to racking up big credit card debts, got myself on my feet owing nothing but here I am again in debt!! I even won £500 last month paid my £200 OD off, but guess what I'm OD yet again. I know I should have more money than I do I just can't manage it properly. I have never had…
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SS Dilemma
I've got a real dilemma! :think: I've been offered a free ticket to the first World Cup semi-final! However, I would need to pay for flight and accomodation! Now England could be in this semi if they don't top their group but even if they aren't in it, it would still be an awesome experience. I'm probably looking at about…
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How to help a delusional friend?
Hi everyone. I've been reading this board for a few months and I just firstly want to say what great people you all are. You're all optimistic, realistic, sensible! If only the subject(s) of my post could be the same! Ok some of you might recognise me from my other posts if not here's a little background. I live with my OH…
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DMP and Getting a Mortgage
Hi guys, Can anyone tell me if I would be able to get a mortgage although I am on a DMP with CCCS? The situation is this... I live with my boyfriend, and sometime in the future (next year or 2) we will want to move to a bigger flat/house. He currently has his own mortgage on this flat, but when we move, would we be able to…
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Hit reality and grown up
Hello Everyone, I'm a new member and wanted to ask for some kind of help. About three years ago i had a bad seperation from my then wife and suffered from severe depression. At the time i had a mortgage, credit card, bank account and good credit rating, however things have now changed. As a result of my divorce i was…
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Will this ever end???
I am awaiting a divorce from my ex, fighting over custody and getting walked over in all directions. Live in rented, furnished accomodation at moment, and verbally agreed with EX that children will reside with him whilst spending 50% of their time with me, although have to beg to see them and whilst contact is there - it's…
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The final step....
Hi all, I joined in March this year, I had wracked up £6,670 in debt in 6 months and came looking for advice. Everyone has been so helpful and coming on these boards has really helped me focus on my budget and to generally be more organised (for me planning ahead is key). I got a bonus from work and was able to pay off…
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Loan Insurance NR Question
Hi, I need some advice please, I have a loan with Norther Rock which is part of my DMP with CCCS, I noticed on it that a large part of the loan is in fact bloomin insurance, OK so I forgot about this, so I called them and asked if it could be cancelled, they say yes, BUT........ I would have to re-schedule my loan with…
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Hit reality and grown up
Hello Everyone, I'm a new member and wanted to ask for some kind of help. About three years ago i had a bad seperation from my then wife and suffered from severe depression. At the time i had a mortgage, credit card, bank account and good credit rating, however things have now changed. As a result of my divorce i was…
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My Tuesday Moan
I think ‘them’ out there make it so hard for folks to live within their means and to satisfied with what we have. I mean why can’t I be happy for the rest of my life just renting my council house. I’m so grateful for it. I don’t have a flat screen TVI don’t own dishwasher, I don’t have hard wood flooring. I don’t 76in…
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RMA-I know, I know...
Hi all, Just want some advice-I'm on a DMP with CCCS (just had 3rd payment) and most of the calls have stopped except RMA (of course!) and the keep hassling me for small 'token' payments as my debt isn't '12 months old yet'. The payments they are getting from CCCS are not far off my minimum. I'm sick and tired of the calls…
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Debt Recovery Company trolling/fishing at my address.
Apologies if this has already been covered but its all new to me. I arrived home yesterday to find a letter seemingly addressed to me at correct home address. On opening this letter I found it was from a debt collection agency (based in Glasgow) acting on behalf of O2. The letter was quite agressive in demanding the sum of…
