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What to do??
Hi, I have two cards out (almost to the limit) a Virgin card with £7000 on it (19.9%APR) and a Halifax Card with £8250 on it (22%APR) These are my total debts!!! (Awful, i know - beaten myself up already!) I know the interest is high, but i cant switch to another credit card at 0%, or get a loan as the banks are all…
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I am trying to help me brother out of a 30 grand debt!
He owns to 5 credit cards and has one loan. no idea what else to put at moment so here goes.... i have already asked for the interest and charges to be dropped, most have done this, bar the loan (goldfish) i have also asked for a reduced repayment plan on all but the loan and one of the credit cards. i have been told to…
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Feeling Worried and Need Advice *with SOA*
I really need some advice, motivation and help putting together some form of action plan. After being desperately unhappy in my job and being ill on and off throughout the year, the doctor has signed me off for 2 weeks with anxiety and depression with the view to signing me off for longer. I decided enough is enough and…
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Aqa
Who here is an AQA person, can I have a quick Pm advice with someone about applying??
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First post from a frightened and worried newbie!
Hi everyone. This post is going to be a bit long winded, so bear with me! My name is Emma and I am 20 years old. My partner is 31, and works as an Estate Agent, and together we have 21 month old twin boys. We have had money problems for a while now, but it has come to a point where we really do have to address them now. We…
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Allocation questionaire? Bank charges
Hi Guys, A quick bank charges Q - I've already posted on CAG, but no one has replied yet.... I filled in and sent off my allocation questionaire with the help of the court manager (did EXACTLY what she said!!!) a while ago, and today I received a copy of lloyds' allocation Q and a note from the solicitors asking for a copy…
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Just when you think ......
Things are very slowly but surly coming down! omg another letter appears on the mat! I got a letter from the inland revenue yesterday Morning for a claim from April 05!!! ... saying they had overpayed me by £563.00 oh fantastic ! So i rang them and they said it was to do with my p60 etc from when i was working part time…
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Capital One
Ahhhhhhhhhh!!!!!!!!In one month the above lot have sent me an application form to borrow up to £100,000!Wonderful interest rate NOT!So this time they can have back the application form torn up in there post paid envelope.
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Advice Required For Debts
I currently have around 10.5K od debt which most of it is with Collection agents due to unforseen circumstances 2 years ago. Basically I would like advice on what to do as I am struggling to pay all of my creditors every month. Total Debts are £6,900 - Natwest Loans with a collection agent call FCM (I think) £3,000 -…
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Congratulations Lynzpower! Under 5k.
As some of you know, the amazing Lynzpower has got her total down to below 5k today, and I thought that as a way of congratulating her, we could all take a couple of minutes to say how she's helped us personally, and a big collective THANK YOU. :T Lynz spends so much time on here helping out others, even when she's not…
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Im revitalised :)
Just wanted to share with people who understand, rather than just an "oh right, ok" and think its odd ;) To cut a long story short, i was getting a little disheartened by all the money saving and was beginning to slip (you know, buying sandwiches at lunch etc) But then my Grandma, completely out of the blue, gave me a…
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Advice please! re: court date for reclaiming bank charges
Hi everyone. I'm trying to get my money back from barclays - I know they are the worst! I have just got a letter from my county court giving me the date and time for a 'preliminary hearing'... which is in a few weeks time Is this the actual hearing that barclays usually pay up just before? I'm dreading going to court, so…
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How much have/will you spend today Thu 21/9?
Good morning fellow DFWs :hello: Yet another sunny day here which feels a little strange really. This is not right for September but, not moaning about it, just wish I didn’t have to be in a hot and sticky office. Planning to spend some money today :eek: Weight loss club meeting was cancelled on Tuesday so I’ll be going…
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Interview tomorrow - *Gulp*
Some of you may remember I was on a course to start my own business. I 'passed' the course, and am now running a business and claiming tax credits to top up my earnings. The thing is, although I 'passed' the course I didn't manage to get any funding, so we're (husband and I) running only a portion of what my idea was and…
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help with debts...new here
Hi everyone, Im new here and hoping for some advice re my debts. Im 26, and a part time worker (i do 10hours a week) as i have a 16 month old son. Obviously my income is not massive due to this fact. My husband pays all the household related bills but i have a few things to pay myself. Im starting to feel really sick about…
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Well I cancelled the gym...or so I thought
I had a letter this morning telling me I owed money for the gym membership and I coudn't cancel as I still had 7 months left on it.I am so annoyed!It's on the lowest rate so can't change that.They can freeze it for 6 months but I still have to pay £7.50 to do that.I am not happy.The only way they will cancel it is with a…
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Newbie advice?
What essential money saving tips would you give to a newbie? i.e I have acquired a Tesco Clubcard, Nectar Card and Co-op card to gain points and vouchers and such like. What else should I be taking advantage of?
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Best Bank Accounts with O/D facilities
I graduated over 2 years ago - and in that time my free overdraft has been cut from £1500 to £500 (fortunately the 1k is still there, fee free but at about 9.9%). Given the low interest rate it's the last of my debts I want to clear, but for various reasons (like hating HSBC over many things) I really want to change bank.…
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Strange Email
I know this is probably not the right board but I just wondered what you think. I got this email today from the Bank of Scotland and basically it just said thank you for your query. We will be dealing with it shortly or words to that effect. While I have a Bank of Scotland credit card I certainly have not raised any query…
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SOA at last
Hi I've had a big change in circumstances and decided to ask for any advice in case I'm missing something I've just seperated from my oh so I just have my income now. I work for an agency so my wage is irregular but I've put my lowest wage that I've had this year. I have a 16 yr old who has left school but doesn't have a…
