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hello all and question
:D Have been a lurker on here for couple of years now and firstly thank you to everyone as thanks to you all i have managed to get my finances back on track;) Just a quick question though - my hubby got a letter today saying that he owes halifax £2000:eek: now he has only ever had an account with them that was closed back…
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Ceredit Unions
Does any one here have any experience or is a member of a credit union? Can anyone share their experiences of them and how they might be of benefit? I am seriously looking for fresh ways of saving and borrowing when I need to. Thanks.
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halifax - so annoying
Just rang halifax to pay £85.00 over the phone against my credit card debt( card cut up 2 years ago ). Debt currently at £3,500.00. Anyway, due date was today,my fault thought it was monday. He took the details from me to take the £85.00 from my HALIFAX debit card. He then told me that I will be charged £12.00 as it is…
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can i cancel it?
When we took out our car finance with blackhorse on behalf of carcraft we took out the ppp which was £1,900 over 5 years which they added onto the finance, is there any way i can cancel this now or is it to late? shezzy
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Abbey are charging interest on my interest free overdraft
It strarted last month and now they are going to charge again at the end of this month.It's costing a fortune in phone calls trying to sort it out as no-one seems to know why. One snotty woman told me I'd gone over my limit, when I went through my transactions to prove I hadn't she told me it wouldn't show up on a…
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Is anyone else exhausted?
I feel like I've worked my bottom off all year in a job I hate (really truly hate) and now that the end is in sight, the debts are almost gone and the I'm a month away from leaving this 'orrible job... I am SHATTERED! Does anyone else feel like they need a month in bed at the moment?! I wish I was feeling all festive and…
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Help on car finance - first post here
Long story short we are in quite alot of debt, we are dealing with but it is slowly and taking time. My problem is with car finance - we defaulted a few months ago, was just short on paying the amount outstanding on the default. It got sent to debt collectors who added huge charges. We just about got the money together by…
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I don't understand spam!
I know this isn't anything to do with debt, but why on earth do spammers do this??? (see Oprah thread below somewhere as example, it'll get deleted shortly). I'm assuming they are real people making it up at some point... and I thought to register on the site you had to be a real person. Why???? do they have nothing better…
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Credit report showing old addresses
Just got a free credit report with credi expert and put my current and old address. i wanted to see the debts i got when at my old house but werent showing on the report just curious thats all i have been at new address for 12 months but ll debts were at old house, dont want to transfer the address to here for the debts as…
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Going no where
I'm on a DMP with Payplan but this doesn't seem to be helping. Marbles/HFC are still charging me full interest PLUS late fees of £12 each month!!!!!!!!!! I've mentioned this to payplan but haven't heard anything yet. I think I am going to write to my creditors asking them for my balance and if interest is being frozen as…
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Loan B-Gone! One debt down and the march to zero...
Today I zero'd my pro study loan. All £14,000 plus interest of it. By paying it back now rather than over the 7 year term (I made sure when I took it out there was no penalty for early repayment) I have saved myself over £2000 in interest payments alone! Calculating this when I formulated my plan was a massive motivational…
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Another good change made
Well my fellow money savers, as I am at home for the holidays I have been looking at more ways to reduce the expenses and reign the debt it, which we seem to be doing rather successfully just now, albeit one step at a time. Today I got up early and hit the money saving expert website and had a look at bank accounts, and…
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Unexpected but...
I've just been looking at my figures and if I keep going the way I am at the moment theres a small chance I can be debt free by my birthday next year. It means doing lots of extra hours but the thought of being free 3 years and 2 months earlier than my original date is kinda exciting me at the moment, I dunno if that's sad…
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I'm in a pickle!
First post hi all! To say I'm in a pickle is a slight understatement! I owe £18k on 2 personal credit cards (11k of which is company debt) (same lender) I run a small business (Ltd) & have a business overdraft of £15k which is at its limit (NatWest tell me I have personally secured it although I can't recall signing…
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Feeling a bit proud of myself today
Just because this year I managed to send off all of my presents before last posting day for 1st Class, so that I won't be going to the post office today to post everything off special delivery. Saved myself a fortune:D chev
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DFW Advent Calendar 2007/Daily Chat Thread - 21st Dec
Merry Yule everyone!!! xxx
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Christmas Shopping Late REally Pays Off.
I went to Homebase yesterday for the Christmas tree and I needed a pot to put it in. There was one stand left but the box was badly damaged. I took it to Customer Services and asked if everything was there. When she said it was I asked if as the box was in such a state could she let me have a discount on it. She gave it to…
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Fill up your pressie drawer avon glitch on grabbit
Hey everyone, just wanted you to see this thread on the grabbit board. There is an avon glitch which gives you 6 products for 90p including delivery. Obviously they might cancel the orders but it's worth a shot. http://forums.moneysavingexpert.com/showthread.html?t=644607 Make sure you read the first page and enter the…
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What will you spend Fri 21st Dec 2007?
I FINALLY get to start one of these I got salaried today so aside from my regular outgoings, around £30 on my nephew's gift and having a few drinks later on whilst going to see my mate's band Niiiice
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Thinking of DMP
HI there Not sure if anyone can help! I have debts of approx £36, 000:eek: and we are struggling to pay for them, and am thinking of a DMP. The thing I am worried about is the house, as we jointly own it with my brother as our elderly mum lives with us, we all clubbed together for it. Will being on a DMP mean we could get…
