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My Socks are pulled up
Having cut back all I could - I was still unhappy with the impact (or lack of) on paying things off...and needed to get some money to help my mum with the purchase of a mobility scooter....... Opportunity smiles on those looking.... My employer recently moved office.... Until the refurb work is finished - we are in a rent…
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bad bad bad bad bad bad day
sorry guys but my turn to moan just got home from work ( am supposed to finish at 4.30pm ) but had to go to a meeting at 4.30 with a collegue to be told that one of us is going to be made redundant in the next 2 weeks :( and thats it ! we have been given a number of somebody to contact to discuss this in our human…
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Has anyone ever used mcfile.co.uk?
I received an email from here: http://www.mcfile.co.uk/home/default.php they offer a dropshipping service. You pay £20, then can use their stuff to sell on ebay and then they post it (you pay them a lower price and sell on ebay higher to make a profit). DOes this seem legitimate, or is it just another rip off? ANyone any…
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Response to no reply for cca after 14 days
Hi all I am really sorry i have not been on the boards for a while, i am actually now relying on a friend's connection for access the net and i haven't been to see her flor a while... Ok, I had a letter from Robinson Way for a debt from next catalogue, i have actually never had a next account, i have had many catalogues…
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I'm Giving Up Smoking
Ok, as of tomorrow, I will be a non-smoker (and I will stick to it!) Am doing it myself - don't smoke that much anyway, but it all adds up and I'm sure I will feel better for it. I'm going to put the amount I spend on cigarettes into a jar each week and put it towards my debts so I can clear them faster! How did anyone…
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claiming charges from cc,s
hi guys , you know how Martin has done a massive drive on people reclaiming their bank charges, does this now apply with credit card charges too? can anyone point me in the direction to see how this applies and any template letters thanks all
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Help I've been hiding but now I'm in a muddle
I'm at the end of my tether. I'm not going to explain why I find myself in this position as all those in the same financial muddle as me have their own reasons for being over their head in debt. I owe around £25000 in total. £1000 against a store card, £15,000 Barclays unsecured Select loan, £7,000 to the Halifax and…
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very very serious debt
Ok Here Goes This Is The 1st Month We Cannot Pay Our Debts ! We Have 6 Bank Loans And 3 Credit Cards Between Us! Total Of £91,000 Debt At £1900 A Month We Take Home 2500 At Best Not Sure We Can Do An Iva As We Also Have 2 Business Loans That If We Have To Include Them Will Put Our Business And Income At Risk Hence No…
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Have Barclays/BC taken money from your account without notice? Join me in complaining
Hi all, I have been pretty pants on getting my problem with Barclays Mastercard sorted out (originally on this thread) http://forums.moneysavingexpert.com/showthread.html?t=401992 but today I got a call from Mercers regarding not paying so am getting my letters ready as we speak and it give me a kick up the rudder as…
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CapQuest: can we do this?
We've been paying CapQuest monthly instalments on a debt they (presumably) purchased from HFC Bank, however we've run into financial problems and are renegotiating. A simple question (hopefully) about this. Online I've found the following sample letter: .. my question is, can we refuse to acknowledge the debt having…
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Help any TNS shoppers?
help just done first shop with TNS and don't know how to upload the results. If I go to the link through the email it doesn't work even if I cut and paste. Where/how on the main site can I do it. Please help much appreciated
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DCA letter - wrong name and address
Hello everyone, I received a letter today from LCS (Leeds Consultancy Services) relating to a debt with Scottish Power. On the letter, they've got my first name wrong, and the address where the debt is from, is one that I've never lived at. I've lived at my current address for over 35 years! I was really panicking at…
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Advice Needed to clear debts in 3 yrs
would love to clear debts in 3 yrs loan £ 7500 repayment £226 p/m 3yrs left .. no PPI c/c 1 £ 4700 " £ 100 " 0% till jan 08 C/c 2 £ 4400 " £ 100 " 0% till jan 08 c/c 3 £ 1300 " £ 100 " 17.9 % should i consolidate , keep tarting c/c's , look for a cheaper loan or carry on as most should finish in about 3 yrs anyway
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Success!!! (sort of)
I know this probably in the wrong place, but who cares!! Natwest refunded me all but £15 (which im not too fussed about) Marbles this morning caved in to a FULL refund However Barclaycard wish to play ball - they have refunded me £104 (of £174) which they said, in a telephone call today (and I quote " was their full and…
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Quick advice for a confuddled pregnant brain
Just wanted to pick a few brains if that's ok. My OH and I have been carefully plodding along, clearing debts, and learning from our mistakes. Our first baby is due on 11th May. We have 2 cars (nothing fancy, but will need both for when i go back to work). We have been getting better at putting money aside for things, and…
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Chased for debt already paid - NEWBIE QUESTION
Hi, I'm new to the site, so this may have been asked before - sorry! I got a letter asking me to pay a debt, I asked the company to let me know who the debt was with and it turns out I have already paid this debt to this company - under a different reference number. (last payment 1.1.07). I have been in contact with the…
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will this help??
Hi everyone, I'm a newbie... I have been thinking about my credit for some time - I got a free report from Equifax about 3 and half years ago, and there was a CCJ on it for about £450. I have 2 questions really - will it have had interest added onto it in this period? and if I pay this off - with my partners credit card…
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A Question About Cheques
My OH had an accident on his bike in nov 2003. Luckily he was ok, but the bike was a write off. After the usual wrangling, it was well into 2004 before we got the final settlement cheque. Because they had just sent it without us agreeing the figure, my OH was going to chase it because he had just bought £200 of bike…
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Help me make a decision!
Hi Guys, Long time no post I know! I need some help in making a decison... I currently have around £7600 @5.8% costing £130/month fixed term loan and £4300 @3.9% costing £130/month M&S cc. Recently I've taken a big cut in income and need to get the monthly cashflow manageable again. I'm budgeted up to the eyeballs and am a…
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Struggling to know what to do next
Hi I would describe myself as an above average wage earner but with a repayment mortgage that eats up more than 50% of my net monthly income. I am becoming increasingly anxious because like most parents, we have opted to privately educate our only child which costs us approx £500. I know some of you will baulk at this and…
