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SOA - help please
After months of thinking I'd be ok (ok, of not thinking about it and not opening the post etc), I have an appointment with a debt adviser at the CAB today, but I need some support please. I got into debt over a number of years, basically living beyond my means. I could come over all pious about living frugally but I spent…
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Sharing a good thing - an inspiration moment
It not often you see many good news stories on this forum, so I thought I'd share my days events so far. Wrote a cheque to mostly clear my Sainsbury's Bank loan and contacted Black Horse Ltd for a settlement fee and found out it was much lower than I thought (£412 but on 0%). I know it goes against the grain not to pay-off…
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Pap/Moozies What have/will you spend Thursday 21st February??
Good Morning everyone I tried to find this thread but couldnt see it anywhere. So sorry if this is a repost :o Weekend is getting closer and cant wait :D Payday for me today :T I have already spent £42.00 on petrol - I was willing my car to last on the little bit it had until payday so I am really pleased it did as it was…
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Help
Hi, I have a situation where I don't know what to do. I have an 8 month old son so I work on a part time 3 day a week basis in finance. My current job has a number of issues with it which makes it phyiscally draining for me, there is a lot of traveling included in my job but I don't drive so all on public transport. Well I…
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Daily Chat 21st Feb
Morning all! How's everyone doing today? I did waaaay too much housework yesterday so going to have a lazy one with doing only the essentials today...lol What's everyone else up to?
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Please help...cant take anymore
Goodness...don't know where to start I really need help, and this is my last bit of fight to try and get it! I am new to this, and asking for help, so please be kind, and bear with me as it is a long story...... but believe me this is it shortened! I am only 26 but have had a hard time of it, in 2005 I divorced my husband…
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Cleaning up my past
Hi all. Looking for some good advice please? I have quite a few outstanding bills on my credit file, dating back from a couple of years to a lot longer. I read a few threads which contridicted each other. Do all debts over 6 years old come off your file? do they have to be satisfied/cleared or do outstanding debts clear as…
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Renew loan, get a low % Cred-card...or just try to hold out?
Hello all! Ok, I've had a look round the site, and it's helped to clear up some options for me. I have some financial quandries, and being here has helped me sort out what I Don't want to do. Now I could do with some opinions on what I should do. Here's the situation. I have a loan of £4500, which matures in December, and…
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Free Bingo - still available
I guess not everyone has seen it but there is still risk free, free money to be made from some bingo sites. :j Disclaimer: Do not play if you have a gambling addicition. Do not EVER risk your own money. You won't win. I've tried and failed so learn from my lessons. It's very simple. Sign up to the sites. Play with the free…
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Bit of guidance re: cca
Hello! just a bit of advice needed. I requested a CCA from metropolitan collection services re HSBC cc. They sent me a letter stating that they could not provide one. It was then passed over to Central Debt Recovering so i CCA'd them also. They took the £1 fee off of my balance but today i received a reply. In short, they…
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This Bingo thing....need clarification!
Sorry to start a new thread I just need an answer as I want to be 110% sure of this before I do it. Ok tonight I have got my winnings up to this..... Closer Bingo - £50.04 (£57 if you include the £7 still left?!) People Bingo - £10.05 Puzzler Bingo - £10.08 I have no money in my bank at the moment but am going to put some…
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Bit of a blonde moment! HELP!!
Hi All... Very busy and kind of traumatic day - long story!:D Anyhoo...I've been thinking (yes it did hurt!) and I've come up with a plan. My car finance is paid off in May next year which will free up £180 a month. If I was to pay this towards two credit cards each with balances of £1000, how long would it take to pay…
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DFW newbee
Evening all, I have been trying to sort out my finances for ages, I keep planning but never seem to get any further than that. So here I am. I need to put together an action plan and get myself out of this debt. Monthly Incomings Salary = £1142.00 Total: £1142.00 Monthly Outgoings Rent = £250 Council tax = £137 Gas and…
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DFW newbee
Evening all, I have been trying to sort out my finances for ages, I keep planning but never seem to get any further than that. So here I am. I need to put together an action plan and get myself out of this debt. Monthly Incomings Salary = £1142.00 Total: £1142.00 Monthly Outgoings Rent = £250 Council tax = £137 Gas and…
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Debt free to become mature student.
Well, debts have snuck up on me after overspending bit by bit. xmas, holidays etc all builds up. I have finally after two years of Open University gained a place to study Law full time at university so really need my debts cleared asap! However I have been making in roads so... End of Jan 07 debt. Bank acc - 1072 (limit…
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Maternity Pay Debt . . . Fermi, can you help?!?!
Me again, but I'm really stuck with this one. I owe my previous employer at the moment £500 for company (not SMP) maternity paid to me; because I didn't return to work with them I have to repay that money (contractual stuff, I don't have a problem with having to pay them back). I do have questions about it as follows…
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help and advice needed please!!
Hi there, i have the following debts: Virgin Credit Card - balance = £3900,00 - limit = £4000 Capital One Credit Card - balance = £991,00 - limit = £1000 Barclay Card - balance = £470 - limit = £500 i am paying off huge debts on all three cards and have a rubbish credit rating. i recently applied for a natwest card in…
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Bailiff help and electorial role
Hi everyone hope im in the right forum, if not sorry. I have recently moved and obtained a part buy mortgage. over six years ago i ran up a debt and have had a bailiffs letter to my new address but I was ticked the to be hid box on the electorial role.How have they found me and can they do anything if over so many years…
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Barclaycard being naughty?
Hi guys, I posted this on the credit card charges forum but didn't really get a response so thought I would try you kind souls to see if you could help. Thanks GirlieSurfer Can anyone tell me if banks have to keep details of your account, i.e. be able to produce statements, for a certain amount of time by law? My husband…
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Credit Search - 'Money Laundering Product'
Just run a credit search on a site called annuacreditreport and it shows that a credit search has been performed by the Halifax for 'Money Laundering Product'. Can anyone suggest what this may or may not be about? :confused: I'm not happy about anything saying 'money laundering' appearing on any aspect of my credit file!…
