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Bank charges
Trying to get some help filling in an N1 claim form (mums exempt from charges so not doing moneyclaim online) been posting on the bank action group website and not gettin much response can anybody help?
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HSBC toughening up on IVAs
I saw this on a news report today - apparently it is the Financial Times today. Is this the start of IVAs becoming more difficult? "HSBC has increased the rate of returns it will expect to receive when entering into individual voluntary arrangements with indebted customers. The typical rate of return that creditors receive…
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SKINT - wedding to go too on sat - Now advice on wrapping odd shaped pressie
Well.. I know I know I know that this has been coming, spen too much for OH's bday last week and have a wedding on saturday... A Civil Partnership one.. never been to one before... I have dumped the hotel room in favour of paying my bro £30 to take us too and from Manchester... Suit already cleaned... BUT... Need new…
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The 18k Challenge
As some of you may have seen, I recently managed to get my debt down below 19k, and Don't do debt Kids, who has a similar amount to repay, has challenged me to an 18k head to head challenge. :eek:Basically, the first one of us to clear 18k of our debts wins, and, it is hoped, the competition will prompt us to pull out all…
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GGGRRRRR Morecroft THUGS - hear the wrath of Mike St Helens.... after a night shift !
Recieved a letter from my mates at Moorecroft today, As you know I have stopped paying creditors as we are saving for bankruptcy. I though I was doing them a favour in letting them know, being polite and communicative with them. Me : Good Afternoon, sorry to bother you, regarding this account, it is really just to inform…
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Football Season Ticket Help Needed
Hello, Can anyone help me,my brother has a season ticket with Sunderland Football Club.He decided to set it up over three direct debit payments on an interest free basis he paid the 1st payment in June which was for 114.00 then the 2nd payment in july which was for 113.00.However he was made redundant shortly before the…
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Goodbye Sky!
I did it! I have given Sky the heave Ho! I was paying an outrageous £46 a month for sky with sky plus. They tried to offer me sweeteners to stay but I held firm. The guy was quite naughty really, trying to be my mate and saying 'oh but you'll miss sky plus, I couldn't live without it' . I see NTL are offering TV, phone and…
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Am learning fast !
Have just had my weekly shop delivered and the total for a full weeks shop £32.23 :T :T :T This is for 2 adults and a toddler (so baby wipes etc in there too) and packed lunches! OH is over the moon that i have found this site and i just cant stop looking to see where i can make further cut backs. Total price includes…
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Cannot Take Anymore - please help!
Finances in a mess and my Husband and I work so hard and are on good money. But, we have been to the bank and want to try to work out a plan but all they do is what we already do and run Income and Expendures past us. Real help. Have about £15k on cards, £25k on loans and 3500 overdraft. Have been to debt free direct and…
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Can't get my head around the maths!!
I have just been sent a new M&S card which was offering 0% on balance transfers and purchases (or so I thought)! I have a £3,000 overdraft which I was planning to "pay off" using a cheque or balance transfer with the new card. I have now been told that they are not offering 0% on purchases, they don't issue cheques and…
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I am a stupid money waster!
Please don't laugh or think I'm freakily stupid but I've just realised something which could save me a bit of money each month. Stop having acrylic nails! I've been looking at my budget for areas to cut back totally ignoring this one thing. How stupid am I? I've got so use to having them, I suppose I forgot! Bet you think…
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Anyone know if theres any deals on equifax or experian
at the moment as i need to do a check to find out whats going on seeing as ive found out the other halfs running up debts again and ccjs.
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outgoings overtaking income
Hi everyone, I am hoping for some advice as my brain seems to go into shutdown mode when it comes to dealing with finance. I have done a budgeting sheet and my outgoings exceed my familys income. To cut a long story short due to my wifes ill health and having 2 children who have had over 30 hospital admissions between them…
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Is there anything I can do now???
Hi all, looking for some advice..... Currently on a DMP with payplan and just wondering if anyone has any ideas on improving my credit rating etc that I can do whilst on a DMP? I am hoping to look at a house move at some point but obviously the way things are at the moment, its not really an option! I currently meet all my…
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cycling?
Anyone give me some advice on cycling? Currently I commute to work in London by train which costs me a whopping £122 a month. We only have 1 car which the OH uses to get to work and tbh I don't contribute to the running costs as I so rarely use it. I worked out the other day that I could potentially cycle 7 miles to a…
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paypal
Hi, Has anyone used payplan??(is this what its called) how do they work and what is their criteria and how much do they charge. My work situation is about to change so this means less money coming in and I was wondering if using paypal to set up payment arrangements for my debt may be an option.
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UNDER £19K! Another mini-milestone reached!
This morning, I decided to pay an extra £100 off my Egg Loan, which now takes my debt down to £18,934 Wooooo Hoooo :dance: When I started posting on DFW, I never thought I'd get this far this fast. Thanks :T guys for all the help - and keep it coming, I've a long way to go! Am a bit euphoric right now :j (sad huh?! ;) )…
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Need help with a 'debt'
Hi all and thanks in advance to anyone who can help. I checked my Experian credit file online today for the first time in a while and I noticed that I have a default (dated0 3/07/2006) on there owing to an entity called "INTERNATIONAL COLLECTIONS GROUP LIMITED" which I can't find using a google search. I have to state now…
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MBNA, DMP & Credit Solutions Limited
I'm going through the motions with MBNA to negotiate reduced payment and a DMP, yesterday I get a letter from them detailing my accounts, and today I get a letter from Credit Soltuions Limited demaning payment for the overdue amount, I've already told MBNA that I don't have the money to pay the overdue amount in full and…
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How much have/will you spend today Wed 6/9?
Good morning folks Another day and hopefully many dollars!!! Mine has not started well as I just had to refund some tickets I had bought and the company has a policy with non refundable booking fee so I am £30 down :mad: Apart from that, I didn't bring lunch in with me today so I anticipate a spend of about £3 at lunch…
