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advice needed please!
Hi, Can anyone advise me on how to go about managing my debt more efficiently, so that I can pay it off more quickly? My debts at present are: MBNA credit card : 1012.19 barclaycard visa : 3,800 6.9% Lloyds platinum : 7245 0% until Dec'06 Virgin mastercard : 1374 0% until Oct'06 O/D Lloyds : 1050 ( int approx £7.00 p.m)…
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Bank charges help please
Hi I know some of you have started to claim there charges from there banks. I sent my letter before action to the bank and got the standard reply says sorry you not happy blah blah. My question is when should i start filling in my money claim form with the courts? Should i wait 14 days after sending the letter before…
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Received Back Offer From Barclays-Now What?
Hi I am helping my SIL claim back all her charges and fees etc. I have sent 2 of the letters suggested and her charges total about £2300:eek: :eek: ....we have had a letter back this morning stating that they do not agree with the reasons etc but have offered £1000 as a full and final settlement goodwill gesture without…
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Credit agreement Help
Hi Guys This is my first post so please be gentle! I have a few smallish debts that have been hanging over me for years since i turned 18 and discovered credit and store cards but never really got that i had to pay it back lol I am sitting knee deep in debt letters trying to sort them out, i have tryed in the past but…
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Getting free stuff from complaining
I was just reading the thread about the rude Tesco cashier, and someone suggested putting a complaint in about her as Tesco's might offer some vouchers. It reminded me of when I was a student - I used to complain about any little tiny thing and I almost always got a response and some form of "compensation" for my trouble.…
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Tell me this can be sorted out?
Hello people – I have had this lunch time how you say a light bulb moment! I owe around 22K I’m 23 and trying to live on £12 a week after bills in central London – not good as you can imagine! Basically this is how I stand: Debts: Nationwide Overdraft 1 - £1900 (maxed) Nationwide Overdraft 2 - £895 (joint account with Flat…
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council tax attachment of earnings help
hi everyone i have just received a letter from council tax saying they have written to my employer to recover £128.00 for debit owed from a house i left in november 2005. i had a direct debit set up and therefore thought it had all been paid, i honestly had no idea. i have rang today and they said i cancelled the direct…
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a spot of advice please?
Hello, I've only just registered here but have been looking at the site for a few months now. i was wondering if anyone could give me some advice? im currently jobless, but will be starting a really well paid job in about a month - and once i start that i really think everything will be ok. my problem is what to do now....…
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What have you guys done to me !!
Ok this has never happened to me before, went to Tesco's to purchase lunch (not v DFW I know but left lunch at home and ravenous) Anywho total came to £2.56 I paid the lady £2.60 and she handed me the recipt witout any change Me "I gave you £2.60" Her "its 4p" dripping with sarcasm :rolleyes: Me "Yes and I'd like it…
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If at first you dont succeed .....
I had a snotty letter from Citibank last week regarding my claim for unfair charges. On Tuesday this week, i wrote again and thanked them for their "standard letter and leaflet". I also questioned why, as feel they are justified, have they dropped their charges to remain competetive? Surely if they are justified their…
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What things can you not do with out
I do try to make sure that I always work to a budget and dont over spend but there is one little thing that I cannot do with out which is custard creams and a hot cup of coffee What is the little luxury that you cannot do with out : :beer:
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Debt Free Direct
Hi Has anyone got any information or experiences of this company?? Thanks for any help
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WooHoo!
:T well in a week after getting rid of Gregory Pennington and dealing with each creditor myself I now from today owe £8530.32!! :j :beer: :j Just had to say thanks for this site, if it wasn't here I wouldn't have taken the initative!
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How much have/will you spend today Friday 15/9?
Good morning DFWs! :hello: Isn't it a lovely day??? :D It's the end of the challenge! Week started with £7.55 and I now how £5.23 in my purse! No credit or debit card was used and I feel over the moon! :j :j :j :j Hope the rest of the challengers did well too :beer: So, pay day today and can't wait to pay off some more of…
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Nationwide/Shoosmiths !!!! up
Have just received a letter from Shoosmiths re N/W credit card demanding payment and threatening legal action. In the same envelope was a letter addressed to someone else relating to their credit card account - unbelievable! It had details of address, account number, amount owed etc. Any ideas as to what I should do with…
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Nice banks! .... so far.
Hi All, After all your great advice I've started a DMP with CCCS with my first payment in October. The week before last I sent off my letters to the banks with their token payments and am now sitting waiting for the hate mail to start. However I've been plesently surprised so far. LloydsTSB have expressed their sorrow and…
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Am i doing the right thing?
I have posted before, but anyway we have now applied for an IVA, im still unsure but i cant really see no way around it. We owe about 29000 not including the car, 2 loans, 1 with LLoyds for 17600 APR 6.8% pay 407 a month, 2nd Loan also LLoyds 8000 11.8% pay 181 pm, then the car credit which is 180 a month, 2000 overdraft…
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bank charges
can somone please give me any advice on awaiting statements from the bank regarding re claiming bank charges. i wrote to HSBC regarding charges, on one account they sent a few of the statements and comfirmed in writing that others on another account where to follow. the 40 days has now elapsed yesterday and i have no…
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Claim for bank charges vs charge on mortgage??
I havent posted here in a while but have been keeping to my money plan and paying the amounts assessed by CAB to all my creditors. However my work contract has expired and although Im registered with a few supply agencies have not worked this month yet. I know I could claim back my unfairly paid bank charges but my biggest…
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Help me please, I don't know what to do.
Hello everybody, I'm after a bit of advice, I've had a hell of a time lately and things are going steadily down hill. First a bit of background... I'm in a terrible situation and when I look at it on paper I actually feel quite sick. I don't know quite how I allowed myself to get in such a mess, but here I am. I think I…
