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What Are You Doing For Christmas
Christmas is a bit different for us this year, when it comes to paying for it that is. Typically we have just bought presents for the kids until: a. They have a reasonable amount (I don't know what is reasonable) b. They have an equal amount. c. We have spent around the same on each. So there we were trying to decide what…
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How long till payday?
I get paid next Wednesday and currently have £35 left in my account.If I can keep it in credit I will have got out of my overdraft! Note to self.... do not spend.....do not spend.......do not spend.........
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RE: Capquest finally sent the loan agreement, what now?
I asked Capquest for the original loan agreement back in September. They responded today. Does this now mean I am liable to pay it. I know there are suggestions they cannot enforce this, but I want to be sure. Also they have been adding interest on the debt, at £19 a month. Surely they cannot do this until they have proved…
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Index to Stop-Smoking Threads (and a poll)
finally . . my list of links to all the stop-smoking threads that I could find on MSE… (apologies if there are any I haven’t spotted – let me know and I’ll add)* Stopping smoking - yes again! (my second home) * MSE give up smoking supporters club * I need Your Help * How smoking damages your wealth * Smoke-Free Wannabee *…
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Your Money or your wife - Channel 4 debt programme
Can anyone who saw tonights show please give your thoughts on it. It seems like the most unrealistic, pointless debt free wanna-be show I have ever seen! I almost emailed channel 4 to tell them so. The guy was £48000,00 in debt, on apparently £21000 a year salary. He had 8credit cards, a 15k loan to buy an Audi TT and…
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banks relationships with CCC?
I know that somewhere on this font of all knowledge there is a table showing which banks are related to which Credit card companies but I can't find it. Any ideas anyone? thanks
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New here in need help quick!
Hi everyone, i am new here and need help quick, we started a family 2 years ago and went from earning £3500 a month between us to earning £800 now. We owe about £18,000 altogether. we havent been able to pay our debts for at least a year and a half and are paying through a debt managment plan at the moment where we can…
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taking out money on a credit card
dont all shout at me, i'm not going to do this!! i'm just wondering why its so bad?
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Another full & final question
Hi sorry it is another full and final question, but I was just wondering how they affect your credit file, Will it always be on your credit file that it was only part settled or does it come off eventually? And if so ow long? I have some money back from bank charges and was thinking about making an offer. I defaulted last…
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Credit clearance after bankruptcy
Maybe a simple question but I am new to the forum so bear with me plse.. I have finally reached the 6 year stage of my bankruptcy so should be clear etc....however I am lead to understand that my credit reports may still show some details.......How do I go about clearing out all the old information from those reports????…
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One sentance wonder !
Guys.... What I'd like to do, is launch an advice thread with just one sentance that is the best advice you have ever ever been given. No comments or thread chat... Just the sentancs so people can read when they need one bit of advice.... Mine is : "Always remember, there are always people out there that can help...."
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First mystery shopping trip!
Hi I did my first mystery shopping assignment today! I know this may be a really stupid question but are you suppose to spend the full £1 which they allow you? I only bought something for 38p as there was nothing I wanted! I know it is probably a really stupid question LOL!! Thanks everyone xx
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Quick midweek drink on me !
Hiya chaps, What a day from hell....Just back, from leaving the door at 8AM for my interview with my OR.. To save the jist, the stuff about the day is on my diary... But I couldnt help but crack open some wine.. Please come in and join me for a glass... This has been so so hard and its nearly over... Hope you are all…
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Strange, strange question!
Hello, Totally irrelevant I know but..... In true MSE style I have just shaved bfs head to a number one. He has bushy eyebrows anyway but now they look really big! what would happen if I went over then with the shaver on a number one? (please only answer if you are sure!lol!)
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MBNA advice to stop phone calls
:mad: :mad: "Pay the arrears and the calls will stop" "Pay our money back - shouldn't have got in this mess" :mad: :mad: :mad: Who the hell are they? I owe them money not my life (I keep telling myself this) help
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Advice Re 1st Credit
Hi everybody- I wonder if anybody has had any experience of these hard sell people?? We had an unsecured personal loan with Abbey, which as gone into arrears. We were paying £352 a month, and asked (a few months ago)if we could renegotiate the payments. Due to our financial circumstances, Abbey couldnt do anything with…
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What can i do
Can i do anything? About 1 year ago i had a letter from a debt collection company saying i owed HSBC £386. it did not ring any bells so i requested a copy of the cca. On doing this i had a letter saying they could not supply this and the account was put on long term hold. i then wrote to HSBC again asking for the cca and…
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Annoyed with Parents Financial Situ
Perhaps I am being a bit too harsh on my parents here but the way they handle their finances really annoy me. My dad has been on long term sick since April and has just been finished from his job in October. He is now on Incapacity Benefit but I don't feel that he is entirely incapable of working, but I won't go into that…
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Debts consolidated!
Hi everyone, I got a call from my bank manager yesterday asking me to come in and see her today. When I got there, she asked me for a breakdown of all my debts, and proceeded to tell me that they could consolidate all my debts for me with a loan on my account at just 9%. It all went through brilliantly, and the money will…
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Help with really basic decision please!
Hello there I'm struggling with a decision about whether to pay off an overdraft. I'm not sure why I'm so blocked about it, but I am, and would appreciate advice. (And yes I know I should post a full SOA but lots of things are in flux (possible new job, new M&S card approved but don't know credit limit etc). I aim to post…
