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can I aks a quick question about credit card payment please?
(I meant ask!)I have won some money and have transfrerred it back to my credit card,. I was wondering as my payment is due on the 11th (money should be on card by 5th at the latest) could this be classed as my monthly payment or should I still pay that too? the money I have won covers my minumum monthly payment and more.
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Drowning in debt - please help!
Help, Im at the end of my tether and can't see a way out of our debt problems! We have been living beyond our means for years, but we seem to have reached a crisis point where we can barely pay more than the minimium repayments on our credit cards. Currently got an overdraft of about £13,000, credit card debts totalling…
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Antimartin...
These characters are doing my head in!!!!...I got a pm from this idiot about insurance and looking at the list you all have...that's 3 different people posting these...all with links in them ...I have not clicked on the links yet nor do I want to...something to do with autoinsurance....what can we do about these…
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experian credit report confused!
Hi there I posted this on the bankcrupt forum but think it is more relevent here, I have approx £32,000 of debt and I am currently with a debt management company paying very small amounts of feach debt, I have just checked my experian credit report and that is showing £23,000 of outstanding debt some of my debts aren't…
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Your help needed please
Husband 59 me 57 he is working fulltime with overtime I am working 5 jobs but still struggling, fortunately our mortgage finished but owe £50.000 pds on credit cards and a loan, we both feel we cannot keep this pace up for much longer, any advice would be greatly appreciated regards Scottie.
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Statement of Affairs
The family finances are out of control. We are going on holiday in August and I cannot face spending money we do not have Outgoings Home+Mortgage1912 Insurance 120 Food/Groceries 666 Cars 484 Loan repayments373 Savings & Investments 671 Tennis subs 28 University 750 Hair & Nails 65 Total £5068 Income Salary 4000 Salary OH…
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My Bank stops me
Hello Everyone. Reading all your posts left me unsure if I should write anything at all, but her I go. I really try hard to get rid off all the things I need to pay off. Mainly nasty utility bills that I tried to pay back in installments and then failed to pay and my creditcard (1000£ +20£overdrawn). I only have a…
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New and worried
As you can see I am farily new to website. Me and my partner have got a horrible amount of debt, have been on to the CCCS website and they have recommned we go down the IVA route. Has anybody else done this? It says on the paper work that we need to speak to our employers if we go ahead with it, but to be honest i dont…
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Help wanted please
I`m asking for help for my friend please. She only has an income of £180 a week, she works full time as a cleaner. She has to pay full council tax and rent, she has no help with anything. Her 19 yr old daughter lives with her, but she is on job seekers allowance , she gives my friend £2o a fortnight, when she remembers.…
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Did i do the right thing when it = money
Im kinda in a difficult position, i guess i am trying to make myself better, so here goes with details. My sister gets married this Aug, 25th. We couldn't afford the airfare, so my parents kindly stepped in and paid for me to go. Well i was due to fly out last night to Austalia and had a horrible panic attack and couldn't…
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would you class a 0% debt as a bad debt?
if you were able to get a 0% deal on a relitively low balance (ie under £200). However you had that balance sitting in a saving account earning 5% interest will the debt then become 'good' debt? Obvously you would pay the debt before the deal ran out? or will it be easier just to pay by savings? :confused: edit added…
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Should I Loan or Save?
Long time lurker first (second actually!) time poster! Im living with my parents rent free at the minute. Currently have £1100 in Credit Card Debt (0% until December 2007) and £3300 outstanding on my loan with Northern Rock 9.9% with 38/mths left to pay :( I have my own personal SOA and bring home £947.00 and have £506.00…
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saturday party 28th/july/07?
:confused: yes or no? if so party along here :j
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planning for debt
New here so please stay with me if i get this wrong. We have quite high outgoings each month which we currently manage. However I am on long term sick leave and will go onto half pay in roughly 6weeks--at this point things are not so manageable. I am considering asking our mortgage lender for a 2 mth payment break as this…
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Planning for debt
New here so please stay with me if I get the explanation wrong. We currently have high outgoings--which are just about manageable. I am currently on long term sick leave and will be going onto half pay in about 6 weeks time---this will cause a problem. I am considering asking for a 2 month payment break on our mortgage…
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Is it true Wescott are owned by Equifax
I read that Wescott are owned by Equifax while looking something else today. Does anybody know if its true. This would be a conflict of interest surely. It was on Consumer Action group forum. Take a look at page 4 of this http://www.credit-manager.co.uk/other/CCR%20May07%20UKDebtCrisis.pdf :eek: Alpha I apologise if this…
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mum is in debt am trying to help her need advice please
hi all, my mum has got herself in to debt with credit cards etc, the amount of debt is around 28 to 30 thousand (i am just adding it all up) and also my dad doesnt know how much exactly:eek: i would like some advice on the best way to go about getting repayment schemes or something, i have spoke to her bank and they have…
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Stupid, stupid, stupid!!
Afternoon all At our local ASDA they have self-service tills where you can pay via cash or card. I used these tills yesterday to buy items totalling £4.98 and asked for £50 cashback. Because I was in a bit of daydream - ironically thinking about money, bills, car MOT etc, I stupidly left the till without collecting my £50…
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!!!!!!!!!!!!! Lloyds "bank"
Ahhhhhhhhhhhhh!!!!! I'm seething! Because of the absolutely dire service by Lloyds bank I decided to go back to First direct (who actually know the meaning of customer service...Lloyds have never heard of it!). Transferred all my stuff back & away we go! Only problem was that I forgot to cancel the payment that goes from…
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Getting there slowly but surely.
I've been lurking on here for a while now picking up loads of useful tips from all the great people on here. Thought it was about time i said hello!:p I feel like i can finally see the end and am not too far off been debt free ( apart from mortgage but i'm going to work on that as soon as debt has gone) This payday was the…
