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Daily chat thread Thurs 22nd November
Morning all how is everyone today? I NEED to do something today other than sit on mse.. the house is a tip :rotfl:
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What will you spend, Thursday 22nd November.
Morning all . Should be a NS Thursday for me:rolleyes:. Hope everyone has a fantastic day, and do take care :)
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Name em n shame em...the DFW great rip off hunt!
Watching daytime Tv am struck by the amount of "great" offers such as the advert for Brighthouse that tells me I can have whatever I want for a mere 29.9% APR which is a total rip off when you think that its aimed at the most vulnerable & least able to afford it...simularly the fllowing extortionate "offer" that I got from…
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Just got back...
from hospital. My son is 3 years old. Max was ok during the day, he was just normal..then at 9pm i went upstairs as him and erin were still messing about and i noticed he had a bad throat so brought him downstairs and gave him tixilix and some snuggle babe on his chest. He fell asleep on settee.. Me and paul went bed at…
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heres my soa, some please look
as title heres my soa, doesn't look too bad but were always skint, why???? 2 adults, 1 teenager income: all every month & after tax mine: 1575 parners: 530 child benift: 75 total: 2180 outgoings: morgtage: 392 (tied into for another 18 months) loan: 418 ( 3 years lef to go) gas/elec: 104 ( scottish power dd) life ins: 12…
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Credit Rating Help
Hi there, I was wondering if someone could help myself and my girlfriend. Since April/May this year we have checked our credit scores online twice. The following were our scores: April/May: Me 430, Partner 436 We have checked our scores today and they read the following: November: Me 654, Partner 336 Mine has increased…
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A sticky thread for letter templates
There have been occasions when I have needed to write letter to one of the organisations I owe money to and I have thought: I wonder if a suitable letter has already been written and posted on the forum. After a considerable amount of time I have, luckily, found a suitable letter and tweaked it for my needs. To save time I…
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Forum down message???
Is anyone else sometimes getting a message about the forum being down until Tuesday for maintenance work??? :confused: Going through some links i get this, but not on others. Is this a bug or another attack??
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Am i the only one?
Who still gets paid weekly? Nearly all my income is weekly. My wages - weekly and variable OH wages - weekly Tax Credits - weekly Rent from BTL property - weekly DLA - monthly Makes it harder to work out when all my bills go out monthly :confused: On the plus side there are 2 months a year when we get 5 weeks out of a…
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Am i the only one?
Who still gets paid weekly? Nearly all my income is weekly. My wages - weekly and variable OH wages - weekly Tax Credits - weekly Rent from BTL property - weekly DLA - monthly Makes it harder to work out when all my bills go out monthly :confused: On the plus side there are 2 months a year when we get 5 weeks out of a…
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You have got to be kidding me? £3000 credit limit!
I just applied for a Virgin credit card to transfer about £700 onto it for the 0% for 15 months deal. I wasn't sure about getting accepted but I was instantly accepted online with a credit limit of £3k. In the past when I have applied for credit cards the highest limit I got was £500 on a Barclaycard student credit card,…
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Got it off my chest, now what do I do?
I've just confessed ot my OH (we don't live together at the moment, getting married next year) the true extent of my debt. He was really understanding and wonderful. So I feel better in myself but I just don't know what to do practically, I think it's teh sitting doing nothing right now that's causing me so much distress.…
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a note of thanks
Just a quickie.... A couple of weeks back I thought I had been very smart transferring most of a balance from one card to the other and leaving the rest behind in the mistaken belief that the remaining balance was going to be at the orriginal 3.9% life of balance instead of the new 18.9%. One of you pointed out the error I…
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One more question on advice.
My mum is having trouble with IQOR I have now stopped them calling and requested to contact via letter. They are now asking for previous addresses. On this occasion I have told her not to confirm them. My guess is they are trying to find out if my mum does owe money to them. I have asked mum if she does and she told me…
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Amost debt free at last
I'm nearly debt free!!!!!!!!!! £10,000 down to £260 it's taken 5yrs but I'm nearly there at long last, remind me never to have a store card again let alone 3 or to take out consolidation loans & not consolidate.:eek: :D :D:D:j:rotfl::j
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IVA Question URGENT!
Hi, If i did an IVA and did a soa which left me exactly £300 a month left. Would they make the IVA payment £300? , or is there a set percentage of repayment like 60% for example? Matt
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Debt Collectors contacing third parties
Hi there, Quick question, I've read the OFT guidelines on what a debt collector can or can't do and it states: "disclosing or threatening to disclose debt details to third parties unless legally entitled to do so" A debt collector called at my Dad's house, stated they were looking for me, they were from my bank and were…
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Urgent Advice Needed
Hi, I am really hoping someone can help me, I have received a letter today from Reed Debt Collection Services, stating that I owe £4491.05 relating to an unpaid loan with HSBC from 1999. This is the first correspondence I have ever received either from HSBC or Reed as as a foolish 19 year old I believed that the payment…
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What do i do??
Hi, I have quite a bit of debt that i have stupidly run up in the last 4 years. I have a house that will be sold very soon and stand to make £20k I have worked out that this would be just enough to pay all my debts off at a reduced 40%. I have seen on here and spoken to a few people in the know and it seems companies would…
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What way do i go??
Hi my first time here so a total noob. Need some advice here, have some very horrible CC debt which i long to get rid of. Most of it has arrived via starting again after divorce and eventually getting new house etc. At the mo i have £780 on hsbc @ 15.9% £2434 on mbna dont know the apr but its 1.87%? (not sure how to…
