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fell off the wagon...
kick me back on please :D i have no debt but i am supposed to be saving but i have been spending again (see sat spending thread) and now i can only make the 'bog standard' direct debit (budgeted) into my savings... why? well i have £90 to last me till the 15th of october and i have just lent my mum £20 till the 13th of…
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Howard Cohen & Co want to take me to court!
Nightmare This relates to an old Frasercard that I had. I had a balance of around £400 with Viking Collection Services bought off GE Capital. I phoned them and told them my situation with Payplan and have been forwarding these statements to Payplan every month as told. It was only last week that £165 was also paid off on…
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advice pls
i need some advice on how to clear my laons credit cards pls :o ok .... hsbc personal loan £11050.64 - 11% @ £210 p/m (60 months) lloyds tsb loan £3050 14% (i think) @ £82 p/m (51 months) capital one credit card £1293.69 @ £60 pm (limit £1400, im not sure of the intrest rate its a platium card think its 15.9%) egg card…
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Claiming Bank Charges from Halifax.
Bonjour, Just a quickie. I wish to claim back the charges that Halifax have had me for (believe me, it's a lot!!). Anyone know if they will charge me for copy statements going back 5 or so years, and if so how much? When I was 'involved' with HSBC, we allowed one stmt free, then £2 for each subsequent one. I don't really…
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Debt problems
Hi I am recently married. I have a number of debts which I will state in a bit but my main concern is getting on the property ladder- applying for a joint mortgage. I have a Barclays loan for 13,000, I owe 7,800 on my Barclaycard and 5,700 on my Egg card. I have applied for another credit card from M & S and plan to…
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Quarter of the way through my debt challenge....
Hi all, Well I came on here knowing I was in a small amount of debt but with no knowledge of how much I was spending or how much I actually had to spend. After doing my budget I discovered that I was overspending every week, often to the tune of £100. Wow ligtbulb moment hit then! So on the 23rd of June, I calculated my…
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See Trevor McDonald on now....
marting is on trevor mcdonald now about debt
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Stopping Annoying Calls
I have recently started a debt-management plan with Payplan. I have an IF card (Halifax), and a Virgin card (MBNA). I am constantly getting calls from both's collection agencies, both based in India. These call centres call from 8am, all the way through to the evening, and don't stop until (I assume) you pay. I have…
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Egg Helped Me Out
I have been struggling with money for some time now. this was due to several things going wrong in my life, and causing my to lose a lot of my income each month. I have been dreading the phone ringing and have been paying my credit cards and other bills using other creditors.
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Debt suicide blog (relating to Tonight with Trevor)
Evening everyone, Martin's just written a blog relating to the Tonight with Trevor programme he's done that's on 8pm this evening, ITV1. It makes pretty interesting reading. Here's the blog If you want to discuss it, can you reply on the discussion thread for that blog and not here? Ta :)
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Second Opinion
Hi, Its my first time posting here. A friend of mine told me about this site, and recommended I post here for a little advice as he said youre all really helpful. So here goes... I am currently in around £15,500 worth of debt. I am currently on benefits and attending a college course. The debt is from one bank loan and one…
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Online surveys
I've signed up to CIAO - I generally don't qualify to complete their surveys though :rolleyes: I'm also with Valued opinions. Who else should I sign up with? Also how do their payment methods work my accounts haven't gone up for a while despite completing a few surveys now.
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Alot of money in debt!!!!!
Hi everyone... ...As you've all helped me so so much i need to ask a few questions, i'm worried about my friend. Shes £30,000 in debt. She owns her own place (with a mortgage) has just taken a 6 month mortgage holiday but is in desperate ytouble. At the moment she's just surviving, she has a good job but has decided she…
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What to do now!
HI all, I'm sorting my finances out now and I decided to go for an IVA option after having contacted CCCS. It's still in process (paperwork...) so not started IVA just yet. As I've been advised to pay only token payments to my c.c (Lloyds) 'cos not paying min. payments anymore, Lloyds has contacted me via phone (last…
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6 month old baby has turned the lightbulb well and truly ON !!!!
Having recently became first time parents and in the process of moving home and while reading this forum for mortgage advice... someone switched the light bulb on... Infact, it was our 6 month old bundle of joy. Having a child has really spurred me as I do not want our children to grow up with mummy and daddy in lots of…
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FSA loan calculator
I happened to come across this loan calculator, showing the interest etc for loans at different interest rates. I've not seen it mentioned here (but apologies if it is old news!), so I thought I'd post it in case it helps anyone get a better picture of what their options are.…
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New and dont know where to start
Okay the lightbulb has been turned on. We have being spending alot more than we earn. We have 3 credit cards, 2 store cards and a few small debts. I am confused to which one to pay off the first do I start with the smaller ones or the larger debts. Any advise would be appreciated.:confused:
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Tried to close my NEXT account!!!!!
Hi Okay so this morning i called Next and paid off my final amount!!! :j :j I said as i was paying off the money i would like to completely CLOSE the account. The women on the other end said (in her own words) 'Next do not close accounts(!?!?!?!?!?) We put that you dont want another catalogue or any mail shots, and if you…
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Claiming back interest charges.
Over a year ago I made a Settlemet offer to Citi Card. This was accepted and I asked for a detailed letter of acceptance from them where by they nor any third parties on their behalf would ask for more money after the settlement. I also stated that my next payment would be included in the settlement. I heard nothing for a…
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Quidco
Hi I am new to all this so sorry if this is a silly question can anyone tell me what is quidco/ ( in plain english please!!!) and how do i join and how do you make money Thanks
