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thankyou all-but....
ok thanks to everyone who is trying to help me with my debt question, if i post a soa do i just type it in myself and just put all my debts-e.g credit cards and percentage rates? sorry if i sound thick!!!!
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claiming bank charges?
i've been reading all the stuff on this site about bank charges, since august 2002 i have been charged over £400 off my bank for going £10 over my overdraft or for a returned direct debit, does any 1 think it is worth me claiming these back? or is it not worth my time? i quite like my bank (except the extortionate £35…
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Dealing with Consumer Credit Counselling Service
I have an interview coming up with CCCS and need some general advice before I go ahead please. My situatuation is I have retrained to another career (Aviation) and I am applying like crazy to companies for positions but no success yet. Meanwhile I am struggling to keep my head above water paying off all the debt I have…
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Online Surveys - Good Idea?
I've been trying to think of ways to earn some more money. I've come accross a website that says I can earn money for taking part in surveys, from £5 - £75 per survey!! You have to pay a one off registration fee of £32, is this a con, does anyone know?! Web address is: https://www.paidopinionsonline.co.uk
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My first post here
Here is my incomings/outgoings etc(all monthly) Income from benefits £1816.12 Outgoings Rent £750 Council Tax-0 water £61.30 home insurance £12 Gas £35 Electricity £33 TV licence £11 travelling(petrol,car insurance,road tax) £131 phone and internet £46(year contract) mobile phone £20 (also in contract) violin lessons for…
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Should I go or should I stay?
My partner has been running up credit card debts for over 10 years now, and as you can imagine they are pretty hefty! Having previously agreed that I would control the finances, this has failed and he some how decided that spending £3000.00 on one of them was a good idea! a year on from that and although he seems to have…
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competitions board -win £10,000
There is a competition in the Daily mail today to win £10,000. I have posted it on the competitions board. I thought I would mention here as I know some of you could really use this. It is free to enter by email (I wish to stres this as I am not encouraging gambling as I know that is also a sensitive issue here ). Good…
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Hello ....I'm back.
Just wanted to post a big thank you to everyone for keeping my spirits up last week when I was a tad down about things. I know I've come a long way since I joined this site and I am amazed that I've managed to pay over £2k off one card alone - perhaps, as someone said last week, I should have realised how far I've come in…
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Credit Reference Agencies
Whenever we want anything - Loans, Credit Cards, Mobile Phones, even utilities, these are only given subject to credit reference checks. Many decisions are made on information over which we have no control and which, as witness many of the threads on this forum, can often be misleading or incorrect. Fine - most people can…
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God Damned Bank
I need a bit of OT help here if anyone's familiar with banks & how to get compensation out of them. I'm with Lloyds TSB & have been for years, & have never had a problem until recently. Firstly, they're chasing someone who lived at this address about 5 years ago for the £97 he owes them. I've had umpteen letters here.…
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First post - desperate times...
Hello all, First post, really looking for some advice and support if there is any out there! I am at a desperate point with my money and i really need to do something about this ASAP. Sorry i think this is going to be a really long post, i have so much in my head and no one else i can talk to about this. In total, i owe…
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Had a good week?
ok thought i would start this one off bit of a mixed bag really paid off 2 credit cards in full this week Aqua and Monument hurrah!!! not massive balances but heavy interest and 1 mystery shopping assignment bad side still no luck on the job front but not too bad as kids still off school car repaired at cost of £361 and…
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Challenges?
Good morning, I have just found this fantastic website this week and I was wondering how, when, who, why, what and where you get all the information for joining challenges and clubs etc? I feel this would give me even more incentive to be debt free in 4 years as I am quite a competitive person (sometimes good, sometimes…
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Question about reducing debt
Anyone help with this? The collections agency dealing with one of my debts has written to me offering to reduce the debt by 40%. I've been paying a minimum of £5 a week for a few years on this one and was aware that they would be willing to accept a reduced payment. However, they have now written with an offer. In the…
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Right, lottery win ahead
Im planning on winning a good few million tonight, so who wants what? :D
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What have you spent today. "12/08/06
:p hopefully nothing except Daily Mail.Will use food in freezer, which will do...for todays meals. Live near coast, intend to be down on beach if weather ok. cheers.
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If i can do it,i hope you can do it DFWs.
I am so inspired by so many posts on this board. it has helped me tremedously with my own situation which is i have a severly disabled daughter,which has happened 4 years ago. Before that she was leading a "normal".Life has changed beyond any recognition. I am in some debt but advise from MSE posters has helped greatly. MY…
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About to give payplan first payment
Hi all. After a bad couple of years of debt, Finally realised that I am in a bit of a mess. Phoned up Payplan. Great people to deal with. Filled in all paperwork and sent copies of credit card statements to them. My case officer advised that I should be able to aford £569.41 a month back on a £34,000 debt. Iam quite happy…
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HSBC Credit Card
Oh forgot to mention Playplan are dealing with my finances & have asked HSBC to Freeze Interest but with no joy. Are they able to continue with high interest rates or do i have another option to stop this. HSBc have not been helpful in anyway & not responded to letters i have sent by Special Delivery. Advise Please.
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HSBC Credit Card
I have been paying back HSBC bank for the past 3years on my credit card. The amount is below the credit limit by about £250. But they have been adding so much interest that the balance is going down by only £10 each Month. This Bank is the most unhelpful bank i have dealt with & their Customer care dept totally useless. Is…
