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was doing so well.
we were getting the capitol one card down and then we had the worst time ever. both cars broke on the same day our house flooded and rined evrything in the dining room a family member died suddenly needed to buy alot completly unexpected then last night my darling son had to go to hospital and hes only 7 month old. what a…
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Help with reclaiming bank charges
Hi - newbie here - first post! I used to have an acount with Abbey with a £1,000 overdraft limit, I moved house and got myself into a spiral of debt. Abbey were bouncing DD's left, right & centre, and charging me which made me more overdrawn and so they would charge me for going over my overdraft limit. In the end the…
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How do I sell up & move!?
Not certain if this is in the right area, although it is to do with becoming debt-free? Anyway, you should know initially that I have a DMP with CCCS (see my sig for my debt), that I am slowly (very slowly!) getting through. I am desperate to move closer to work to try and cut my travelling times and costs (currently…
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BBC - Britain's Streets of Debt
Monday 5 June - Friday 9 June on BBC 1, at 9:15am-10am this might be of interest. http://news.bbc.co.uk/1/hi/programmes/5005374.stm Monday - THE WHISTLE BLOWER Tuesday - BORROWERS BEWARE Wednesday - EASY PREY Thursday - LOSING IT ONLINE Friday - GOING FOR BROKE
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Current Account Tarting
I'm sure I've seen a thread or section devoted to this...but now I come to look for it, I can't find it. Maybe I dreamt it. Thought i'd go even further than being a credit card tart, and be a current account wh*re too. Moved my current account to Lloyds TSB to get their £50 joining offer...as soon as that comes through,…
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Feeling Good Today!!
Just thought I would share my mini success with you all. I have just totalled up my outstanding debt figure for this month and have managed to pay off £594 off my debt in a month and now owe £6889.23:j I've still got a way to go but have made such fantastic progress in the last two months since discovering MSE. I've made…
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30 grand in DEBT
and im only 21? is being bankrupt the only option?
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umm am i missing something???
having a dizzy moment but ive read a lot on these boards about claiming back bank charges and was just wondering what you were all on about:rotfl: ???????
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My SOA
I’ve been reading here for a while and have started to make some changes that have been suggested but I am wondering if anyone can come up with anything else. My SOA Rent - £375pm – Going down to £287 in August when I move house Contents Insurance - £8.90pm Rates - £40pm Mobile Phone - £35pm – Going down to £20pm next…
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Claiming back my charges from Capital One
Hi I have now put my claim in at the Court for £800 plus costs!!! I have just received a letter from Northampton County Court stating that they have issued it on June 1st and it will be deemed served on the 6th June.Capital One have until the 20th June to reply. Ahhhhhhhhh!!! Fingers crossed for meIf I get it all back I…
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In Manchester? Urgent reclaim bank charges clinic
Please read this
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loan vs credit card debts??
Hi this is my first time here and I need help! My husband and I have £19,000 on 6 credit cards and pay about £500 a month towards clearing it. We tried to get a loan in the past from our bank but were turned down because we no not have a mortgage, and were told they would not take it because it was to pay off credit cards,…
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I give up
Opened todays post and dd for electric is going up to £64 from £35 and the gas will be going up as well from £25 to god knows what most likely £70-£100 to cover the arrears. They set up the dd payments in the first place and massively underestimated what we would use. So I have to find another £90 a month to pull out.:mad:
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postie's been!
So I now have my debt settlement figures which are... Fixed loan £10,375.64 Flexible loan £9.636.31 Total = 20,071.95 After next payday, savings will exceed loans. (I am about £600 short). All I need now is a new contract starting September. Then I will feel confident enough to pay off fixed loan, have some emergency fund,…
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Payplan problem regarding CCJ
Hubby received forms regarding a CCJ to do with Lloyds bank. We have DMP with Payplan & Llloyds are getting a monthly payment. Payplan told us to forward everything to them & that their legal team would deal with everything, now today we have received a letter from the court saying that as we have not replied he has to pay…
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What will you spend today? 02/06/06
Hi all, Thought I would start this thread today, apologies if it has already been done. Today I have a lunch with the girls from work, we have chosen a cheap and healthy place, salad and smoothie £5, which is good for DFW and FFW! However, tonight the OH and his friends are going to a bar near my office for a few drinks…
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Had visit to OR this week
Well I have had my meeting with the OR and it was long about 2 hours but it was relatively painless. She was pleasant, she told me I could take a break, have a cup of tea or glass of water and ask any questions any time. So I guess it is all over now. My IP is going to send her the paperwork she needs such as statements…
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End of the week
Well My week hasn't been to bad after all. Have packed up smoking on Wednesday so this is day 3 of no fags Made all my lunches for work this week Manage to get abit more out of the petrol in the car so filling her up today instead of yesterday evening. Investigated about becoming a Avon lady and got my area last night so…
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Please Please give me some advice
my situation is this: I have worked all my life and have now left work due to stress (breakdown) I am having marriage problems (we are about to separate, not divorce) No children involved.( all left home) I am 55 years old. I will not be returning to work due to ill health. ( clinical depression) nervous breakdown. I have…
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Stop me buying a new ipod!! Help!
Like a snake charmer the apple store has me hypnotised. I need an external hard drive for my laptop and was convincing myself that if I was going to spend 85 quid on one then I might as well spend an extra 140 quid and get a 60gb ipod instead. What would you do? I want to buy it, but my MSE conscience is butting in. If…
