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Another Rant About B/card
god So today is payday I have an outstanding balance of 18.78 on my b/card. then I can close the little devil .This card has been like a lead weight I was kindly given this with a 350 limit at uni, when I graduated it went up to 550. and It just hung about like a manky smell. Ive had this card ALMOST 10 years to the day…
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Help...don't know what to do
Hi everyone...I've already written this once and lost it, so I'll be as brief as I can. I'm 24 and finally accepting that my level of debt is out of control. I have 20k of unsecured debt (don't own a home, or even a car!) spread across a personal loan and 3 credit cards, not including a student loan from SLC. My debt…
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Question for Bank/CC Charge Refunders.
To all the people here who are currently trying to get their bank and credit card charges refunded; Do the companies close your account(s) once you have taken these steps? I understand that you may not wish to continue with them, but supposing that you still want to operate the account, is that possible? Or do the…
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Just Wish It'd Go Away
Honestly, Yeah my debt isn't as bad as some peoples but still, its just always there in the background isn't it? Sorry just I have no one else to talk about it. I'm making steps towards paying my debt off, it's just I suppose I want a quick easy fix and I know that wont happen. Well thanks for listening lol. Matt :)
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How much have/will you spend today Wed 20/9?
Good morning fellow DFWs :hello: Another sunny day here and another good day inside. If only every day was like that eh…. :rolleyes: I have spent 70p on a newspaper this morning. Yet another pointless search for a new job :mad: That’s it for me for today. I have my lunch with me and dinner is in the slow cooker as we speak…
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I'm keeping everything crossed...
that in the next couple of months I might just get some (money) luck. The reason is, in my old job, which I left a year ago after working there for 2 years, the organisation began a process to re-evaluate peoples pay (everyone was quite underpaid in comparison to other places). For one reason or another this process has…
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Cut down mobile phone bills
Hi, Im not sure if this could help anyone, but..... My mobile phone bills were huge - and all through text messages!!! I was shocked at the size of it as i thought it'd be cheaper to text.:confused: Now....... If you join Orange PAYG and top up by £15.00 a month you get 3000 free weekend and evening texts FREE!!!!!!!! and…
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Spectrum Financial Protection
Hi all, Has anyone ever heard of Spectrum Financial Protection? They are a company that are advertised on the radio at the moment Radio City 96.7fm.... they say that they can help with problem debts, and due to Government legislation can help you get debt free in 5 years. I was just wondering if anyone out there has come…
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I was caught by Yes Loans
Hi I wonder if anyone has the time to advice on the following :- Upon reading several posts on this site I can see i have fallen into the Yes Loans trap. They agreed (or so i thought) a loan and requested i make the one off admin payment and then I should hear within 3-5 days after that about my loan. Of course I paid and…
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I believe this is illegal?
Hi, Had a junk email today offering me a job. I was wondering if anyone else here had received it as it may look very tempting to anyone short of money, and could carry serious implications. Surely its called money-laundering? See context below, email addy removed from it. We want to offer you a job. Part time job consists…
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Another bit of good bank charge news!
I got a letter yesterday from HSBC saying they'll pay my full amount! JUst got to make sure they give it as a cheque now - any idea on how I go about wording this? Congratulations to everyone else who's had success - it feels very "power to the people"!:beer:
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i have had my bank charges refunded!!!!!
morning all i thought i would share my good news Co op have been so shamefull these last couple of months they really went to town giving me over £170 in charges over 8 weeks!!!!!!! after fillling in a MCO today i have had my charges refunded just 5 days after filing…
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Panic stricken
Oh lordy. Getting my knickers in a twist. I've had to resign from my job due to ill health. I only worked part time, we have enough money to live on with out me working but the extra came in handy for overpayments. I am looking for something else but nothing is forthcoming at the moment. DH has put £72 on to a cc that he…
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Stopping smoking saves dosh. There's a thing.
Well, 'The Book' has arrived today, all I need now is the courage to actually start reading it and to start not smoking. Already picked up the 'it's not giving up anything' vibe! If me and OH are successful it will be approximately £300 a month, yes, £300, saved. Oh my. As my debt is not as huge as some on here I guess I…
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a few tips
1. Save 5% of your income as part of a long-term savings plan. By doing so, there is a good chance that you will financially secure your future and be able to attain your financial goals. 2. Fix your mortgage payments for two years at a time and then when your deal runs out, use a broker to shop around and keep you on the…
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HSBC - advice needed please!
Hi, I've posted this in the bank charges bit as well sorry if I'm in the wrong place. I'm currently negotiating with the hsbc (with the help of cccs), trying to sort out a payment plan on my loan & overdraft with them, this is probably going to take another few weeks at least. Meanwhile, I've filled out the spreadsheet…
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confused about debt plan with spectrum
hi there, i am in about £12000 debt with three credit card companies. i contacted spectrum , and paid them £233 for 3 months to take charge of my financial affairs. in their ad, they boasted that they could get up to 95% of the debt written off. ok so they sent a statement of my finances to each company and these have now…
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RMA address
Hi, Anyone unfortunate to have this DCAs address please kindly post. thanks in advance
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Giving up the lottery - how do you do it?
I've seen the suggestion to put your usual lottery bet in a jar and if your numbers come up take out your winnings - and at the end of year there will be money left in the jar. Now I don't know if I could do that - what my numbers came in and it was a big win - I don't know if I could ever recover from that. I think if I…
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I've just realised...
I have a deadline to pay all (or a good proportion anyway) of this off by. August 2008 to be exact- otherwise my job is at risk as I depend on security clearance for my position and high debt is not good news. Very very scary. I want you all to give me hard kicks up the backside if you see me admitting to large spends on…
