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Ultimate Debt Free Wannabe?
I really wish at times that we could get some of our great and good politicians on this board. I am sure we could all do with the tips that Patricia Hewitt must be able to offer if she feels that she can wipe out the £500 million debt the NHS has in just one year. Do you think she has started a £2 coin whip round in the…
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Annoyed today
I have changed my phone to the TalkTalk international with broadband. Saving me a fortune as my partner and lots of my friends live in North america and Europe. Got the bill today , and I have spent £4.65+VAT on 0845 calls for banks last month. Just so annoying that when your in the poo and asking for help , they cant give…
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A Purge on Dormant Accounts!
Hooray! I have, in the last 4 days, destroyed cards and sent correspondence to close three inactive accounts! I had a Brantano card/account but I haven't used it since I bought my winter boots last October (the bill was paid off quickly...it was just before my lightbulb moment so I think I was getting ready for it!). I…
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letter help/guidance please
i have been trying to put together a letter for about two days now but i can seem to find the right words :confused: i would like to close my cc2 account as i dont want the temptation there :D someone on here advised me to send a letter to the customer support department. I really want to do this but i cant seem to get the…
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'Thanks' Buttons
I know the forum rules say "theres no such thing as a dumb question", but this is probably a dumb question. What is the purpose of the "thanks" buttons at the bottom of each post? I know they build up your "User has been thanked x times in x posts", but do they actually do anything? Or is it just, well, a bit of a…
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I really need some help please
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Credit Card Help
Hi there, this is my first time apologies if i come across all stupid!!!! I have a Egg credit card debt (£3200) that I am trying to get rid of but can't. I have applied for credit cards with 0% interest so to transfer the balance but I am having no success. I am £100 over my credit limit and I am paying £75 per month and…
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Should he take it or go back to Uni?
Hi My son has just finished a Foundation degree in Sports Coaching and has been offered a place for his 3rd year on a top up Bsc in Sports Management(same uni). He is back now for the summer and has been working as a temp in a large office---he loves it and says he could get a permananent job there when he gets back from…
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Good vibes for luck please **didn't get it***
My dream job has just come up on jobs website! It is a 60% paycut!!!! but I really want it! Permanent, so would pay off debt if I got it. Then I would have £250 a month after bills and mortgage for running car petrol, food, etc. Tight, but doable, although I would still needs loadsahelp from here! PLEASE if you have a mo…
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Worth a pay cut?
Hi all For many of you know things have been rather tough for me lately. i have seen a new job with a real MSE twist, and I think Id love it. However, it is a pay cut, to the tune of about 120 a month. Theres not a great deal left to cut back on ( apart from the cigs :rolleyes:) otherwise I wouldnt really care, but its…
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"Britain's Biggest Spenders"
Did anyone see "Britain's Biggest Spenders" last night on ITV (I think)? I was shouting at the tv - couldn't believe the girl who paid to take her mum to New York (what, £3 grand at least?) to tell her she was £80K in debt and paid a fortune to get the lips, botox etc done. And she'd already been in £25k of debt before and…
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Does anyone else feel like this ?
I'm 'expecting' (as grannies all over the country would say) and have bought a pram, costing £200. Now, I'm delighted to say that my in-laws have announced that they wish to buy the pram as a gift and will be giving me £200 cash to cover the cost. Why does it feel as if they are actually giving me money ?!! Does anyone…
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Debt Management advice please
Hi All I had my light bulb moment a few days ago after getting a bill in the post for £3,700. Here are our debts: Egg 13,500 0% min payment (260 pcm) Loan 3,500 13% min payment (290 pcm) Overdraft 1,500 14.8% Repair bill 3,700 0% min payment (150 pcm) We have £4,000 with ING earning 4.5% My wifes income has become a little…
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Advice needed please NW Changed mind over full and final
Hi, I was offered a full and final settlement of 70% over the phone by the lovely people at Natwest credit management services when i phoned them in April for a balance. (This dept doesnt send out statements once your account is with them) anyway they offered me a full and final which at the time i was in no position to…
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Weird question? Advice required
Hi Received a letter last week from a well known High Street Bank saying my debt with them was bought by ______ Credit Ltd 4 years ago and that any contact should be with _____ Credit Ltd. Two days later got a letter from ____Credit Ltd saying I owe them £xxxx and to contact them within 7 days to make arrangements. Both…
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In a rut, need some help
Hi, I'l try and be to the point as much as possible. I have recently been made redundant from a job i have been in since i left school (apx 11 years). I currently have a loan with Lombard which i owe apx £5/6k and a Virgin Credit Card with apx £2300 on. They are my only real debts, i just dont know where to turn, i am…
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Money progs on TV....
Did anyone see BBC1's Breakfast Time yesterday (Tues 6th June) at about 8-8.15am? They had that chappie from Pay Off Your Mortgage in 2 Years, advising the social worker with twins who was on BBC3's Spendaholics a couple of weeks ago. He was telling her to set a budget - I nearly texted them & told him she already has one…
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Guarantor and debt questions
Hi Folks I have a few questions rolling around in my head after a conversation with my father last week. The situation is this - i found out that my Dad went guarantor for a family friend on a car purchase around 6 years ago. However, the 'family friend' upped and left the area, moving to a completely different part of the…
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Newbie in debt stress
Hi Everyone Having read some of your posts I must say I really love this site, I used to read it for tips and advice on savings, but unfortunately due to some unforeseen events I am now a debt-free wannabe. I was made redundant at the beginning of this year and during my time unemployed (was waiting for a benefits claim…
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Britains streets of debt Wed 7th - online link please?
On Monday someone kindly put the online BBC link to the programme on here and I would be really grateful if someone could put the online link on here for todays programme, I have been to the BBC site but my pc won't let me watch it through that site yet the link that was on here for Monday's programme works fine. Been out…
