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D-Day Looming
Hi all, Its not normal for me to be sitting on here on a saturday night but its desperate measures! I have a BIG problem... I have £5700 worth of credit cards which are nearly maxed. I have been paying the minimum payment (around £140 p/m)on these for a while now, and have been getting stung with approx £80 p/m in…
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Spending too much on prescriptions?
I just noticed I have never seen mentioned on this board Pre Payment Certificates (PPC) and just wondered if it was something people were aware of. You can purchase PPC’s for 4 months (£34.65) and 12 months (£95.30) You do have to pay upfront which is a pain but if your getting more than 1 prescription a month your going…
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Where are these nasty people coming from?
Just recently people asking for help are getting a lot of stick. Why are people being so offensive to people who are asking for help? The poor guy whose GF had dropped 10 grand of debt on him somehow became the one at fault, someone else had their thread frozen after people became abusive towards them and poor Up the creek…
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Saturday Night-What would you have done pre-MSE?
Evening to one and all! Just got thinking, whilst waiting for my store cupboard dinner to cook, what I would have been doing on a saturday night pre my lightbulb about 5 months ago! Most likely out for dinner with the boyfriend, paid on credit card, rented film from blockbuster or would have shop-bought one for the…
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Spent loads nothing to show for it!
hello MSEs I saw martin on the TV this morning about student debts and things I have a load of loans from banks etc and credit cards.... I m having trouble repaying - so took up gambling as an answer... a big mistake.....blew 1000s. I ve been looking around the net.... Has anyone used Cleardebt? Or any other of the IVA…
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first time I've ever complained today and
Went to KFC at dinner, ordered 3 meals one without cheese or mayo but when I got them home, they'd ignored my request! Our came the yellow pages and I rung to complain:o The result was we got a fresh new order AND a refund:T Since I started doing Mystery Shopping, I've also noticed that I have more confidence in shops to…
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Trigger Happy
Hi All, Was just wondering to myself, after a horrendous days spending, how people went about figuring out what triggers them to do what they do! I dont even know what happened with me today. I got up early, walked to the post office, and local sainsburys simply for oreo cookies, came out with more............ then came…
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Newbie needing help!
My OH and I need some help in getting rid of his ex wife (no we're not planning to bump her off!!!!). He has several debts that he has clocked up on her behalf from when they were married and now they are getting divorced, we want to try and get rid of them so that we can get her out of our lives financially. This has…
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Whose fault the debt?
Just chatting to my nieghbour.A guy that works with him has gone bankrupt.His weekly take home pay is £190.Debt £100k!!!!!!!!!!!!!!!!!!Surely that has to be irresponsible lending.
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loans secured on property
i am going to be seperating form my husband. we have loans outstanding which are secured on the house the loans are all in my husbands name only but secured on property in joint names. my husband has offered to sign away his half of the house for a fixed sum and he will keep up the debt repayments (or repay the debts) can…
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can any one help me get my mums charges back?
my mums credit card (capital one) has been passed onto a debt collection agency but about (not sure of total yet) £600.00 of the debt is purely charges, now if i can i want to get these back i have seen other on this site do it now i want to do it :D i would love to do it in my name but i am never od and havent got a…
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IVAs and the debt management companies
As some of you might know I'm around £30,000 in debt, no thanks to a lousy university education. I'm in a full-time job but the salary has been awkward - so I was considering using one of these companies that claim to "reduce your debt" by 50 to 75 percent. I've contacted ClearDebt, who recommended from the outset getting…
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BBC2 programme "Working Lunch"
In an email from BBC2 "Working Lunch" this week there is this request: "We're keen to hear from you if you are successfully clearing your debt with an Individual Voluntary Arrangement." I assume that they must be intending a future feature about people's experiences of IVAs.
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Got bank charges back
Thought i'd missed the boat with the reclaiming bank charges thingy but ive just got a letter through the post this am from hsbc offering me 315 quid back its only 70 less than i asked for so i am going to grab it while i can, they refused me anything in the first letter then i sent them a LBA (letter before action) and…
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Can someone help me? I'm new!!!
CCJ's Even if you admit to the claim and ask for time to pay,is it true that you still have the CCJ issued against you ? Thanks:cry: :cry:
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redundancy
Hi all, There's a possibility that my mum will be made redundant (she's a nurse at the hospital). Hopefully it won't come to that, but I'm trying to find out what she would be entitled to in terms of notice and redundancy money. I looked on ACAS and if it happens after October because of her age (52) it looks like she…
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Which charges can I claim back?
Could anyone advise me on which charges I can claim back from the bank. I recieved my 6 years of statement today. The charges fall into 3 catagories - Return dd and cheques £33-35 each Charges for exceeding the agreed OD - £20-25 if exceeded OD at some point in the month and daily charges for going over the OD £4-8 per…
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"Free" cookbook - almost DFW?
Morning chaps. I almost feel guilty about 'fessing up to this. Yesterday I bought a glossy magazine. Runs away and hides as DFWers come at her with jeers and bricks. No! Wait! It had a "free" gift! Not your usual tacky plastic beachbag or one-size-fits-all (yeah, right) vest with rubbish stitching! A copy of Nigel Slater's…
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Just reffered a stranger to DFW!!
Hiya, i dont really post on here but thought i'd just share this coz i feel proud in a funny sort of way! I am looking for a mutual exchange and am signed up to a website, anyways i went on to the chat forum and there was a thread that someone had started asking for debt advice - so i e-mailed her telling her about this…
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What's the point?
Really wondering what the point is in trying to pay these debts off.It's going to take me years.Don't know why I'm bothering to be honest.
