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Hi newbie here, need help-mccharm2003
Hi everyone i have read a few of the previous posts but just needed some advice. so please excuse me if this has already been covered. Since December last year my oh and i started cccs a fantasic move :T so here are a few questions 1)Recently we were issued with court papers for RBS and have since agreed a payment before…
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Q about Tax...am I being scewed?
Good Morning everyone, hope you are all ok. I recently took on a second job in a bar as some of you may know, I have worked there for about 6 weeks and have not yet been paid, I have chased about 5 times but to no avail. This , however, isn't the only problem.... They spun me some BS about I have to pay 25% tax on a second…
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Similar to the "mortgage pig" - a "debt pig"
The other day I posted about how sometimes I feel like I'm wishing my life away for payday so I can pay something off my debt! Just looking around the forums and came across the mortgage pig thread - http://forums.moneysavingexpert.com/showthread.html?t=169247 Basically it's a piggybank that he "feeds" whenever he has…
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Desperate times...
...but just for a short while! OK this is my SOA from a few weeks back. Our situation has changed though. OH has a new job and better pay :j - however it means relocating (new job will not cover any costs...he asked) and initially while I try to find a job, sort the house out for selling and move there things are going to…
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Egg card/Loan support not as expected
Hi all, I have an Egg card and loan which amount to £24000 in total. Due to new circumstances such as having a baby, roof falling in on house and serious drop in income, I find I cannot keep up the repayments on my card and loan. I have been with Egg for around 6 years and have always maintained my payments. Egg make a…
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the funding corporation- phone calls
hi my hubby is late on his pymt for his personal loan. EVERY day the funding corporation (provider) have rang him AND sent a letter, even though he has spoken to them every day to let them know that he can't pay it until next wk (payday). the 1st lady agreed that this would be fine, but now it's not and they have sent a…
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My Story
Hi, I've posted a few times before telling how I am addicted to food and am in debt because of it. Also, I have mentioned how I have a spend, binge, scratch eczema, tidy house cycle which I seem to be locked into. I apologise if what I write here is not appropriate but quite a few people here have asked me about why I am…
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Cant seem budget??
Hi is there anyone who can help us, I want to budget properly and clear my debt problem I am thinking of a consolidation loan, any advice would be great, here is my State of play, its not good Monthly Incomings: My salary - £1244.80 Partner’s salary - £1006.8 Benefits - £143.15 Total - £2394.75 Monthly Outgoings Childcare…
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Quidco cookies
One of the sites I want to visit says to clear the cookies on my pc so that Quidco get the referral. How do I do this?
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Action
Hi, I wrote here about three weeks ago. I have a problem with too much going out and too little coming in (about £800 difference when paying my credit cards at the amount I should). One credit card company was very helpful (LloydsTSB), one was not very helpful (MBNA)...though after a letter of complaint I got someone…
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Happy Birthday to Will Snarf
Well snarfy boy, happy belated birthday. It just goes to show that you don't have to get old to get ugly I suppose, so there's hope for the rest of us :p Hip, hip...
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being chased for Ex's debt
My estranged wife, just as we separated, went on a shopping spree with her catalogue companies. My ex then left the country and is living with relatives abroad in europe. I have moved from the family home and very few people know my address. However, recently i have started receiving letters from debt collection agencies…
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Help please, re barclaycard debt
Hello, I took out a barclaycard about 5 years ago with a £350 limit. I was un umployed for a while, missed a few payments etc and moved house 3 times and have not paid anything to it in over 3 years now. I received a phone call today from a company (have no idea how they got my number and they would not tell me) telling me…
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How do I use Quidco to make money??
I'm 26, I rent a room in a blokes house, I have 2 CC's, 2 loans and a student loan :sad: I've seen in some people's signatures that they have made money on Quidco but I'm not sure how it works? I cant switch gas/electricity stuff as not my place and am worried about signing up for things in case they do credit checks or I…
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Debt is not mine! - HSBC
Hi there, About two weeks ago my oh and I received a letter each from a DCA stating that we both owed HSBC over £20K on a current a/c and it had passed to them.:eek: The a/c was a joint a/c but the debt in question was not on this a/c but on a loan my OT took out - I had no dealings with it. The story of it is... The OT's…
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Help with sums! Balance transfers to get better rates?!
Hi all, if anyone could help me work out if the following is worth doing, it'd be great! Right, I have the cards listed in my sig (I think that shows the APR, if not they are all currently on 0% and will go up to around 15-16% in late Nov/early Dec). the HSBC card can apparently offer me 9.9% APR on a 'competitor balance…
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Feel like it can't get any worse
Now, I will try to keep it short. I am currently feeling like it can't get any worse and don't think it ever has been(although I am sure there will be people worse off then me) I am arguing with my fiance who I live with because of my problems and I am acting a complete tit and even though I know I am I can't seem to stop…
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Yay! Think I might be getting somewhere!
I'm so chuffed.... I've been selling on Amazon, and netted £50, and got £40 on Quidco (thanks easymobile ;) ) And.......I've just got me a second job :j :j :j :j :j Spoke to the area administrator of where I used to work; and asked him how many hours part timers needed to do, he said 15, but they don't really keep track,…
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How long do searches stay on a credit report for..?
Just out of interest how long do credit searches stay on a credit report for . Terry
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mortgage and bills aaaggghhh
Can i get a remortgage with a CCJ and my partner in serious debt too??? Feel at a loss at the moment cant seem to get out of debt. We are in Payplan but are still struggling. Bills are a pain and they keep going up our gas and electric bills we are struggling to pay. Can anyone advise us we are at our wits…
