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Okay I need a little Help...
After a few years of doing everything but getting serious I am at full attention at getting my balance down. Need a little help on what to do: Card 1 at 12% $2,200 been trying to pay $200 a month on this a month Card 2 at 12% $2,400 been trying to pay $200 a month on this a month Card 3 at 12% $7,200 been trying to pay…
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Flawed logic or cunning plan?
As I've posted else where, OH has been refused for a couple of credit cards which were earmarked for replacing the two cards coming to the end of their 0% deals, one of which I realised last night will be attracting interest at 23% :eek: :eek: :eek:. Anyway I wandered into the credit union shop today and found out the…
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woohoo my cake
sorry I know it's in the wrong place but I used this forum the most! Anyway, I've just finished making my great aunts Retirement cake - No one knows what it looks like, I was just asked to make a retirement cake! What do you think?
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Is my credit rating getting better when....
Littlewoods having sent me my statement for this month and before my credit limit went down to around 165 from 200 when I was having a lot of difficulties making ends meet. Anyway I have been paying things on time for about 3 months and today the limit has jumped up to 375! Now I know it isn't a lot compared to what some…
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Should I Cheat?
Basically by making a £200 overpayment on my Capital One card I will be under the £25,000 mark by the 1st October which would be a great boost for me [STRIKE]phsych[/STRIKE] [STRIKE]psych[/STRIKE] mentally. :D I probably (well definately) won't have this money in my account which would mean using my overdraft for less than…
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Payplan. How long does it all take?
Hi everyone Just wondering if anyone has any experience of Payplan? Have paid them 2 lots of money (2 months) and they have paid this out to my creditors (have checked the statements). How long will it be until my creditors stop contacting me? Feeling bit stressed about it all as they keep telling me my outstanding arrears…
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Struggling with my debts
Hi i'm 29 and been getting out of touch with my debts since i started working at 16! I've had the same job since school and if only my boss knew how much debt i'm in it would shock him! I first started getting a credit card(worst move i could have made)to put a lads holiday on and from there things have continued to carry…
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advice needed please. had enough.
hi guys in need of some advice again. basically, the bank granted us a temp. extension on our overdraft. it was 1000 but theyve put it to 1500 until 23rd september. we are currently at 1600 overdrawn (so gone over it anyway), have no cash for petrol, food or baby milk, need to find enouugh money to take the bank under 1000…
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loan consolidation with poor credit
Hi, This is my first post, I am having troubles with my debts. As it stands I have 8500 with BOS, 1200 and 1000 on credit cards and 1500 on cahoot loan. I have no trouble with BOS but I am finding it very difficult to stop spending on the CC's and the cahoot loan is near the end of the month and I keep missing payments. I…
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A few glasses of wine at Mikes ?
Hello all.... Its been a very odd week, I have been off for most of it, and as a result am on 12 hour 12-12 shifts Sat and Sun, Great.... Better news though, had an issue completing my BKY forms this week, found out that as we were a business partnership, we can file together, see court togethere and best of all pay only…
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What am I covered for?!
Hello, In my continuing efforts to pay more attention to what the heck is going on in my financial life I wrote off to a company that I have 2 insurance policies with to try and find out what they are actually for! :o I have just got some paperwork back and I am really none the wiser - I have a bit of blind spot when it…
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How can I find the details on a CCJ
Hi My stepson is in one hell of a mess with his finances so I made him get a credit report. He has a CCJ from june and he didn't even know anything about it. Can he find out who took him to court and what debt it was ? He also has 5 other accounts that show defaulted, total 20K. Where do we start ? Thanks for the advice.…
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Credit File Points
Just received my credit file, does anyone know how I can work out my credit points?:confused: Thanks in Advance
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Should I sell my house to clear my debts
I having hooked on this site for months and the advise given to others has in turned helped me to start sorting out my debt problems. But now I stuck with a dilema and I'm hoping you will be able to help. So to put it a summarised as I can: My OH lost his job a year ago and decided to start his own business with his…
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Martin's Advice
I just had a call at the door from one of those companies that sell photographs of your house taken from a plane. The one they had of our house was lovely - the garden looks great, the sun is shining. "£45", she said. I asked myself "Do I need this?". No. I asked myself "Can I afford this?". No. Then I asked myself, "but…
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Help!! default received, advised now my account has been sectioned? im scared....
Ok so quick story in december last year i had got fed up of accumulating bank charges every month so i got my wages paid in to another account so i could start fresh. This left a silly amount of around £800 in bank charges on this old account which they wanted me to pay back at £260 a month! couldnt afford this so i paid…
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It pays to be nice!
I think this might be on totally the wrong board, so sorry if it is! I work in a customer facing environment and I usually just get yelled at. A single positive comment can really make your day if you're having a bad one! I find customer service has declined recently, so when I've had fantastic customer service recently,…
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Welcome Finance
Ok guys work this one out. I have a car loan with welcome finace ( stupid i know) anyway its defaulted along with most of my other ebts ( DMP with payplan) so i contact them and say can you take the car back please, as i can no longer afford it and cancel PPI. Call frm branch manager yes of course but you have to write in…
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Pensions
Hi Hope you don't mind me leaping straight on, but have been trying to look at ways to clear my debt quicker without putting more on the credit cards every month. I've used the snowball calculator and think I have a sensible payment plan. However - I have a pension going straight off of my salary at £150 a month (I assume…
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Flippin' Nora, I been hit by the lucky stick!
So, after all the 'will I ever work again' trauma, and getting a fixed contract.. - 2 employers asked me for interview this week - most recent employer offered me a permanent job!! much travel but pension + car + decent money means it's got to be the one... I really should've listened to mates who said it'd pick up once…
