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Mackenzie Hall persuing husband!
Hi, Last week my husband received a card from this company stressing he called them immediately. He did the day after to be told he had a credit card outstanding from 1997 and the balance and interest added is £6000!!! The situation is that when husband was previously married he took out a credit card for his then wife and…
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Help please!!
Hi, wondering i anyone could put me straight i owe Barclays 1) £209.36 Barclays 2) £1,900.00 Provident ) £336.00 I have been paying installments on these for about 4 years now and cant afford to just pay them off ,the payments are a pain in the finances. I have had letters off the barclays ones before where they have said…
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CC refusing pro rata payments
Trusty MBNA refusing pro rata arrangement from CCCs = interest increasing = more debt to them. Any suggestions :confused: :confused: :confused:
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Catalogues while on a DMP
Have been on a DMP with Payplan for approx 6 months all going well. Before entering DMP I had a catalogue account which is clear and has been for about a year (this is not part of the DMP as it was clear), but I still have commission on this account. I was wondering whether it's ok to order from the catalogue at all or is…
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where do i start? help please?
hi there i have been meaning to try and get my finances sorted for quite a while. i am in such a tizzy i don't even no where to start. tried doing the SOA but as i am inbetween buying a house and living in rented accomodation i don't know how to work things out. got my wits about me but i just get confused with it all. i…
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I now hate spending!
I had my 'lightbulb moment' a couple of weeks ago, and posted my SoA last week. Since then I have managed to spend nothing, nada, zip, zero.....until today! I had to pay a tenner deposit for a kilt hire, plus £5.50 on new pillows and 9p on a spending diary! I HATED doing it!!! I felt like I was cheating! I am used to…
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Im A Debt Free Wannabe!
The time has come to take the challenge and get myself debt free! Im going to get a list of all my debts and outgoings and also income coming into the house and hopefully make a start on being debt free. :T :T Already I feel like a weight has been lifted so if you lot will have me id like to join the club :D
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Martin (and everyone else) - Help, Help, Help!!!!
Dear all I'm at a complete loss! :confused: I've been posting on another debt website for over a year now and the advice is fantastic and I've picked up real tips on how to manage my finances. Unfortunately, this current problem isn't mine but my parents and is way beyond what I feel capable/competant to deal with. My…
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Help regarding debt collection letter
Hi everyone. Ok here goes... I signed up for gym membership in August, unfortunately I signed a 12 month contract. I paid the first month up front, but since then I haven't even been to the gym, and they haven't set up my direct debit. I've had no contact from them until now. On Saturday I received a letter saying the sum…
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All about me....
I've been quite a regular poster of late and thought that I should perhaps be more constructive and post more details about my finances as I may have been rather vague in the past (not deliberately). My debt is now: £2900 on HSBC credit card £600 overdraft It once was £4-£5k but somehow (luck and time I think rather than…
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Typical 621.8% APR
I know “sub-prime” products are quite often discussed here, including the Vanquis / Aqua cards, which contrary to popular belief can actually be a very good thing, however I came across the following and really cant even begin to defend it!. I appreciate that the APR is a little irrelevant as the loans are intended to be…
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great website for finding cheapest supermarket
I know ideally we should all try to shop at Lidl, or Aldi, but I don't have one near me, so have to resort to the big four. Anyway, I'm sure someone else will have posted details of this somewhere else, but thought I'd put it here too. try visiting https://www.mysupermarket.co.uk you can create your normal supermarket shop…
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son's loan
In the last few weeks we have been pestered by letters & cards about a loan my son took out 11 years ago and seemingly didn't pay off. £2000 remaining on it.I thought a loan that old was un-enforcable ? He has long ago left home, only my husband & I live here now. I'm on incapacity and husband is over 60 with 2 heart…
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Bloody Husband
Am so peed off, so apologise for the rant. OK, so I'm not the best at trying to pay my debts off, however I make all my payments on time, and always make at least the minimum (usually more). I gave my husband his bank statement last week, and just noticed it on the floor unopened - so being naughty I opened it (this is…
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Really need some advice re:Westcot credit services. PLEASE!!
Hi all, hoping someone can give me some advice. About 3 weeks ago my partner receieved a letter from Westcot credit services for a debt he had no recollection of (£289.32) He phoned their office and was informed it was for an old credit card debt which he had last paid money towards in Jan 2000 (about 18 months before I…
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Lots of debt, infrequent work!
Hi, I hope I'm posting in the right place, I'm new here! First of all, we have built up over the years a lot of debt - not counting our mortgage, we owe about £25,000. There are many reasons for this - I'm divorced and left my husband and started again with nothing. Also my partner has been made redundant three times in…
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almost 60k debt broken down. HELP.....
crikey ours seems so bad compared to everyone else credit cards halifax. Balance 9400 6.9% life montly payment 187 Sainsbury. Balance 2150 5.9% life monthly payment 48 BA Amex. Balance 7865 4.9% life monthly payment 197 RBS. Balance 2000 7.9% life. monthly payment 44 Lloyds balance 2400 3.9% life. monthly payment 48…
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An offer for a debt free wannabe
I put this on Moozie's lovely thread about absent friends but I don't think many people will see it so I'll repeat it here... Christmas is a very hard time to cope with at the best of times, but especially when we are all working so hard at not spending more than we need. Can I make an offer? Is there anyone out there who…
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Cracked my Terramundi
Hi all, I thought I'd post about cracking my terramundi pot. I had a quick search and couldn't find posts where people put how much was in it when they cracked it. I could well have missed it, so point me in the right direction if there is a place. If not, I propose other people post their terramundi totals here. This is…
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"Problem" credit card customers set to pay more
LONDON (Reuters) - Credit card providers are poised to hit "problem" customers with higher interest rates as they attempt to protect their profit margins, a new report warns. Those who persistently pay late or go over their credit limit are facing hikes in interest, as companies react to a regulatory squeeze, according to…
