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Please help! first time poster in a pickle!
Hi Im really need some advice for getting out of debt. Im a graduate who was a little to care free with his money at Uni and as a result seem to be up to my eyeballs in debt. My problem is I have borrowed form a number of sources, and dont know whether its a good idea to consolidate the money in to one loan. I know the…
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URGENt HELP NEEDED
Hi guys Not sure if this the right thread but it is debt so here goes! Found out today my bank have took my overdraft facility away without even informing me, keaving me with no money whatsoever. I am a student and have a student account. I have tried ringing my branch but get put through to a call centre who cant deal…
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£2 coin savers club - £2 coin a rare sighting!
Hi all, I was looking at the £2 savers club thread thinking how brilliant an idea this was. Then, when I started thinking about it, I realised that I can't remember the last time a £2 coin was passed to me.:confused: I think for this year, I would be lucky if I had £6 saved by now!!! Now.. I stay in Scotland, so I don't…
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CRIPES- DFW ideas and bargain ideas needed pronto!
OK, Oh has just reminded me its his birthday on the 13th. I have not bought anything and am woefully underprepared We are going to be away as of tomorrow, so I cant get anything sent here, but I guess I can get it sent to his folks Last year, money was no object :rolleyes: , so this year in advance, I had some ideas but…
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Sorry I have to tell someone my good news..
From a thread somewhere on MSE (sorry i can't remember who posted it!) i downloaded a form from the National Savings and Investments to search for lost pass books etc. I knew that I had an 2 accounts with them when I was a child and thought that there was around £50 in it. Today I have received a passbook with... wait for…
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Interest payments are way too high!!
I have been thinking of how MS we have been with our credit cards changing over to low APR's for lifetime balances - 2 x AMEX 3.9% and a Sainsburys 4.9%. Today I made £400 payment on the AMEX cards, out of that 12.5% went on interest - the monthly interest charges for the 2 cards were £49. Just seems excessive but there…
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Token Payments
I have recently made 3 token payments on a credit card debt of £1500. Each payment was for £40 but they are still asking for the £1500. Do these token payments not reduce the balance? Thanks for your help in advance
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Facing up to things - rock bottom
I posted my SOA a few days ago, under a different log in (realised that my other user name isn't very anon. and I'm mortified about my state of affairs). Since then I've scoured these boards looking for ways to manage my money better. At first I had a feeling of 'yeah, I can do this' and now I can't stop pouring over my…
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Bank Charges Please help me
I am wanting to claim back my bank charges from Halifax as in 2 years they have taken £2184-00 of us. How would I go about it? Please some one help me!!!!
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Mobile bill is a little high Dad!
Can anyone advise please? Take one 19 year old unemployed daughter, one mobile phone and one bill for £8,510.63 all inclusive for one months usage. I have tried all the debt advice lines who say they can only offer advice on unsecured loans (whatever they are). I am not very familiar with being in debt (owing the milkman…
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Bank Charges claiming if on DMP
I think I read somewhere the other day that if you're on a DMP that you can't claim your bank charges back. The account had already been defaulted and closed before entering the DMP. Just wondering :confused: because I've received 13 envelopes with statements in today Thanks
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Martin's Book - Should I buy it?
Hi all, I am considering buying Martin's :money: book (£2.84 delivered on Amazon second hand) but will it be any use considering all the advice on the website? I like the idea of being able to lend it to people once I've finished with it. Thoughts? :confused: PS Also, the price above relates to the older 2004 edition. Much…
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Why so busy?
Fellow DFW's I've never seen it so busy - 365+ on this board alone. Has Martin been on TV this morning? MM
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Second Offer Letter Advice
Hey. I am currently managing my own DMP with all of my creditors. One of them, HSBC is being a bit awkward and has refused my offer payment now on 2 occassions. I have been following template letters as available on the National Debtline Website and I have found them very useful. I tend to alter them to suit my needs…
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Preventing worsening debt
OK DFW advisors this is a prevention situation. I am very worried about getting into problems. My OH was made redundant in Sept. He has used up his pension and his redundancy pay (no I have not been happy about him using the pension) to pay his part of the joint account. He has now run out of money. I have sold the house…
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Are there any DCA'S...
That you have actually been happy with the way you were treating by their staff if so what company? Also what DCA'S should be closed down because of their ethics and staff attitude?
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finally done it and a big thanx
i have finally plucked up the courage to ring payplan i have my appointment on fri and feel a little better ,when the creditors ring telling me i have to pay this or else i tell i have an appointment and they suddenly change one otr two get nasty ie morgan and stanley but i ignore them and send token payments as advised i…
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340 people currently reading this board...
...There are clearly ALOT of people with a mountain of debt out there and this is one of the few great places on the internet for people to get the help they need. So, if you are a new reader to this forum... WELCOME! Hang around and we will all help you out of this mess. You might like to read Martins thread detailing…
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Really annoyed
One of the 'Debt Management' companies I am paying back have reduced me to tears. Basically I have £250 left in my bank account - thats it.. till the 28th - thing is they are due to take £250 out tomorrow. Leaving me with £0 - for 4 weeks. I'm really really scared - I'm going to speak to CAB in a few hours, but I feel an…
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Car Finance Help
I have a car on finance which is in my sisters name as we couldn't get it at the time. I am now going to pay it off after surrendering my endowment and she has phoned for a settlement figure, they wouldn't give her one over the phone so they are going to post it out. We still owe around £2535 if we keep up the monthly…
