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Just got my quartely BT Bill
Following Martin's advice to change from BT, got my line rental and final quarter calls bill today...£52.46, my Primus bill for last months calls also came today...£1.12. Usually BT Phone bill for a quarter is around £200 including Broadband of £78 which I now get for £45 per quarter, so Cheers Martin......if only I could…
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How do you go about re-claiming bank
charges etc? if I'm not on the right board please direct me I'm new around here.
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Only one debt to go!
It is payday tomorrow and for the first time in quite a few years my account is actually in the black by £5.43! So only one debt to go...£165 on my credit card.I really hope I can clear that this month but we are having to seriously think about a new car ASAP so every penny miht count!
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I,ve just answered the phone for the first time in weeks!
I'v been screening my calls at home and work for weeks now, too scared to confront my creditors. been doing everything by letter and through CCCS although not yet started my DMP. I thought the phone calls had stopped but just got Citicard ( whose letters have been scary) and the woman was really nice I've got to continue…
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Removal of Name from Credit Check
My husband and I have a joint mortgage. He has debts from credit cards which he is now trying to pay off. He went to a debt advice company which advised giving the creditors £1 amonth which they have accepted. Some have now accepted part payment and the debt has been wiped. This means he can obviously not get credit for a…
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CCCS/Pay plan etc etc..
Hi everyone, how do these people work i've had a look at there websites but am scared to go through anything. How does it affect you? can you loose your home? do they take you to court etc etc. I think I was niaeve(sp) to think we could continue paying everything and still have money to live on. It isn't working out like…
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Im new and need support!
Hello, I have visited the site for a long time but only found the courage yesterday to admit my debt needed adressing. So here I am! Ok, I contacted CCCS Yesterday, and did a plan online, but my apple mac is not compatible with their results etc, they recommended a DMP but it will take 10 years to repay. Here is the…
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Midland Bank became HSBC ~ When?
Having just read the ' Do You Still Use cheque Books?' thread... My paying in book is still Midland Bank ~ just shows how much paying in I do :rolleyes: When did they change to HSBC does any one remember?
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Moron moment ;)
Well peeps I am actually embarrased posting this: Went at lunchtime to close my Barclays account. It had 350 remaining to be paid off. So I took my card from A&L and took £300 out of the machine. Went in and asked if they could sent me a statement for the balance. I was told that it wasn't possible because an account needs…
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Suggestions needed re: consumer problem
Not sure where to post this so thought I'd ask here first... I bought some jewellery in early October and have only just worn one of the necklaces last night. Still have reciepts and the backing for it. It's brought me out in a hidious rash around the back of my neck and where the necklace lays on the front of my neck and…
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Should I sell my tree for £15?
Hi, Silly question but I need advice. Thought you guys would be the best to ask. Last years Christmas tree (artifical, 6ft), used once, in box. It went unsold on ebay. A lady has emailed me asking if I will sell in to her for £15. Should I sell it? It cost me £60 last year. Not going to buy a new one this year. Thanks, x
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Fredricksons International!! Have you had dealings with them??
Hi all. as some of you may have read in my original post http://forums.moneysavingexpert.com/showthread.html?t=309260 I am having problems with Fredricksons International claiming that i owe Alliance and Liecester £8838.08 but the thing is i have never had any financial dealings with A & L. Please read the other post to…
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Complete and utter despair!!!!
I am on a real downer today. Story in short (!) OH made redundant in april 05 and was out of work for twelve months. I was sacked (no other word for it) whilst I was on maternity leave. We both got jobs but the stress of managing our debt (about £20k) was hard. We had just got back on our feet when OH was given an…
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do you still use cheque books?
I know it's seems a silly post but I thought I would ask as whenever I go shopping and pay with a cheque I get such funny looks off the sales assistant!:rolleyes: I think I must be the only person left who pays with cheques?!:o I admit that this could be a bad thing to do as I sometimes use a cheque on a Tues when I don't…
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Suggestions how to rebuild my credit
Hi, Just after some advice and suggestions how to rebuild my credit history. I got into debt about 5 years ago on a couple of credit cards and other bank loans. Some of the debts went to court and I got a ccj against me. I am still paying these debts of with regular monthy payments via direct debits. I have had a 3 bank…
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I forgot!
As of today I am now (semi) DEBT FREE! I made the last payment on my CC as some money has finally come in and now all I have left debt wise (which is why I am only semi DF) is my student loan and my brand spanking new career development loan. As many of you know, I am now on my MA in Social Work for 2 years and from around…
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HSBC want me to take managed loan...
Hi all (This isn't actually my first post, I used to be called EveryPennyCounts but I can't seem to log in on that name. Anyway...) I've been having financial problems recently, which has lead to me being over my £1500 overdraft limit by about £800. I have a graduate loan, also with HSBC, which has about £13k left on it,…
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Want to be in a mag?
Hi all Martin's recently done an interview with a magazine and they've decided to expand on it and are looking for someone who's been in debt but used Martin's advice and the site to get it under control and who'd be willing to do an interview over the telephone. If you'd be happy to do it could you send me a pm with your…
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What do you give that doesn't cost a bean?
I was just thinking about the fact that we're all so strapped for cash and can't be as monetarily generous with our friends and family as we'd like to be, but we all know that 'the best things in life are free', so I wondered what people on the board do for others, in terms of giving time, favours, help etc? I've just…
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Crispy crispy snip snip! And a big thank-you
I had to share this with you all -yesterday I paid off the remaining £400 off my Capital One credit card that I’ve had for over six years. In the grand scheme of things it isn’t a lot in my overall debt, but it means I’ve broken the cycle on it: paying £20/£30 per month and then re-spending on it. Today in true MSE-style,…
