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Paragon pay off and reclaining charges question
Hello gorgeous people We are in the process of remortgaging and we are going to pay off our "2nd mortgage" a loan of £57000 with Paragon. They sent a load of info covering all payments and charges that are on the account - late fees, DD missed, phone calls etc - these are ranging between £10 - £20 for a call, £10 for a…
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What have you spent today, Tuesday 22nd August?
hi all, sorry if I've gone completely bonkers and there's already one of these threads running for today, but I couldn't see one, amazing since it's so late in the day... but there you go. Anyway, I have spent nothing, my second no-spend day in a row :T :T :T :beer: :beer: :beer:
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Bank Charges, Quick Question..
Does your 'claim' only cover charges over £12 - i've had lots of £10 charges - can I claim for these? MrP
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Proud Mum
Hi all, I have been a lurker for ages & have picked up all sorts of tips and wrinkles from you guys, I rave on about Quidco and Piggy points at home... I was sure that the family thought I was mad until this afternoon when my 18 yr old (soon to be student) daughter came down from her room and said 'You'll be proud of me…
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question for ya
hi everybody. am new to this site and find it all very interesting. anyway, my mum had a letter yesterday about a capital one visa card i had about seven years ago. was having trouble paying the money, wrote to them. got a reply asking to show all my outgoing then never heard anything again, they have decided to try and…
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Was doing sooo well. Now feel I,ve lost control.
I need your help guys. Only in support and a bit of a*** kicking. Over the past few weeks I have been letting my control slide. All my utilities and stuff is still cut to the bone, but I have been spending a little here and a little there. Don't get me wrong, everything has been paid, although (guiltily) I may have just…
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Bank Charges
Right I am stumped now, Sent my three letters of to Natwest on the correct dates, they have only replied to the last letter which treatens legal action, they have sent me a letter saying there charges are fair for all to see when you open an account with them, they said they are giving me 4 weeks to provide proof of these…
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Am I debt free?
I owe money on two credits cards at 0% and my Natwest current account (which I don't use any more) is £99.99 overdrawn (no interest on first £100) but have savings that would cover these things more than 5 times over, do I count as debt free since the above are technically debts but they're only there to make me money.…
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The good, the bad and the MBNA
I hope this is allowed if not then I apologise now. How about a thread about all the nice people who speak to us so we can compare good and bad practices. Also what a lovely feeling when someone calls trying to wind you up and you say “oh I have heard about you from a forum” I will start Mbna - name not known – rude…
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Bankruptcy Vs IVA
Many people are choosing an Individual Voluntary Arrangement over bankruptcy. If you have no assets to loose what benefit is it waiting 5 years for the IVA to finish when the bankruptcy can be over in six months! Credit worthiness is one as mortgage applications usually ask "Have you ever been made bankrupt?" Surely though…
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Debt options
I'm really sorry if this is posted elsewhere but I can't find what I'm looking for by using the search. Mind you, I probably wouldn't be able to find my head right now if I didn't know that it was attatched to my shoulders, lol. Could someone please explain what the different debt options and are, who they apply to and…
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The dollar!!
Hi My son is coming back from working in America on Monday ---he says that the money he has made wont be worth as much over here when he exchanges it so he might as well have a good spend on clothes before he comes backafter I had suggested he try to save as much as he can for his final year at Uni Is he right??? I…
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I'm getting there....
got a letter today informing us that we will be getting £1431 for our mis sold endowment.That will clear our credit cards, so the only thing I will have to sort out when that comes through is my overdaft.... The overdraft is my own personal debt and even though I could clear it with the endowment money I'm not going to,…
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Capital one - won back charges
Over £500 from a period when I was in the worst financial crisis of my life. I am back on my feet now but having paid the charges when I was down just made me feel sick with resentment. I put in the series of three letters, lodged my court papers last month and got a letter on Friday telling me there's a cheque on the way!…
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Clearing an old default
Hi everyone I've just got hold of my credit file from checkmyfile.com, and very enlightening it is too! I have got an old default on my file which I would like to get rid of. It was an old Vodafone mobile phone account that I rarely used and forgot about when I moved house back in the middle of 2003. For reasons I'm not…
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OH birthday ideas... about to become a student again!
My OH's birthday is on monday and although we have agreed not to spend much at all (mine is next month) I would like to make him a little 'student survival kit' as he is about to go back to college (to train as a music teacher. He's a musician now). CAn anyone help with any cheap, funny ideas? Thanks Sarah :beer:
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Another DFW going for an interview...
Hey all Please send good luck wishes my way as I have an interview tomorrow morning. I am so nervous. I keep having to take deep breaths. If I get this job though it will mean I will be able to get rid of that last lingering bit of pesky debt.......HURRAY! Fingers crossed! Annie :)
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Money Partners & APS
I am trying to change my mortgate for a better deal. I am with burmingham midshires and have just finished my 2 years fixed rate. The rate is about to go upto 6.60. I am looking about for a better deal as they are not willing to give me a fixed rate at much less than this. My rating for the last 12 months has been good,…
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good luck vibes needed please
hey folks, well it seems to have worked for others so today i need your help... i'm leaving in ten minutes for a job interview that will see me just under £100 a month better off, doesnt sound like much to some, but to me it's huge! so please please please send me good luck vibes this teatime...i'll be your bestest friend…
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debt free direct etc?
At the moment there seem to be a lot of adverts saying in effect " you can write off more than half of your debt", while it's a good thing that people can have this safety net in the case of job loss etc., what's to stop someone running up an enormous debt with no intention of ever paying it all off? if I used all my…
