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How do i work it out?
I am one of the many customer's who have had my apr hiked up by Virgin (MBNA). The thing is they haven't told me what it has gone up to, how do i work this out from my statement?
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default on a default
Hi everyone Am looking for a bit of advice please In 2000 I got a loan from Barclays with PPI I then lost my job (I was on a contract which wasn't renewed) Small print said if on a contract no pyout, so I accepted this reluctantly (even though the guy who sold me it at Barclays knew I was on a contract as we were chatting…
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MBNA Help!
Ok so i got my self in Debt with 2 Credit Cards last year and started a DMP with a company that charged me . They never payed my creditors anything from Nov 07 Until Beginning of this month. Therefore i am in arreas with both Cards and have Been to Payplan about a new DMP. So i cancelled all contact with my last DMP and…
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Debt Free Me
I had a guy from Debt Free Me visit on the 13th Feb and he went through the full process of getting an IVA. He told me that I had to pay 3 payments in the first three months to cover their fees and then the fourth month my first payment to the IVA would be made with it all going to the Creditors. I have been trying to find…
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Things going wrong...
I've not been around the DFW thread much so far this year, I've been having a really hard time with one thing and another and haven't really been feeling "jolly" enough to post. I guess I'm still feeling sorry for myself, but things have been going wrong this year non-stop. As those of you who already know me know, OH is…
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Could I claim?
Hello again everyone and many thanks to all of you that have dropped me kind words and support. I am going through my debt and looking at ways to work the system. I have an HSBC card with and insurance protection on it. I was wondering if it woud be best to try and claim and get the insurance to kick in and pay for the…
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A little advice needed???
Sorry I don't know if this is the correct place to post this but i thought maybe you experts can offer some advice. Both myself and my husband have been caught up in the egg card debacle, I requested my credit record online and as suspected its clear. For some reason Experian would not let my husband view his online so…
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Moorcroft Group - Has anyone ever heard of this happening?
Hi guys, I have payment agreement with the Moorcroft Group for an old mobile phone debt. Ive been paying £50 per month for the last 3 months and 2 more payments to go before the debt is repayed. I have a standing order set up and am watching to mke sure I dont miss any payments as I m trying hard to get myself sorted out.…
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Am I Missing The Point
:huh: CAN SOMEONE EXPLAIN TO ME ? I HAVE A CREDIT CARD WITH £4000, APR IS 17.9%, I PAY £100 PER MONTH BUT £48 OF THAT GOES IN INTEREST EVERY MONTH SO TO ME IM THINKING IM PAYING 50% INTEREST EVERY MONTH PLEASE CAN SOMEONE EXPLAIN TO ME HOW THIS WORKS?
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Don't bury your head in the sand.......
I am so delighted to read about how many people have become debt free as a result of all of the helpful advice that is posted on this website. I hope to join the list in a few years time and as with everyone else, will be so glad when I finally do. I have been a financial adviser for the past seven years and typically…
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How do you financially disassociate yourself from someone?
Just viewed my OH credit report, decided to obtain it after he got rejected for a finance deal... Had a shock when it turned out that he is financially associated to his ex girlfriend, especially since he had never ever been aware of her applying for things in joint names. Anyhow, we need to get this removed as it is…
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A few little questions...
Hello all...hope you're having a good evening. I am just setting up my DMP and to say I'm confused is an understatement. I'm finding it difficult getting address' for all my creditors as well as my account numbers seeing as I cut my cards up months ago and have online statements!! Anyway, I have chosen the co-operative…
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mackenzie hall - is it just scare tactics
Hi everyone, hopesomeone can help or at least provide an answer. A couple of weeks ago I received a phone call from J2 Solutions whilst I was at work they left a message on my answer machine asking them to call, they then sent a text message to my home phone, my wife rang claiming not to know anyone of that name, long…
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CCA requests & DMP - help needed!!!
Hi - I posted this last night but I'm not sure if anyone saw it as it was on the end of another thread. I requested my CCAs out of interest. All of them have come back except for one - from the Co-op bank which took over northern rock's credit card business about 5 yrs ago. They have sent me two holding letters. I am 99%…
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Monthly Figures
Hi All, As you have guessed im a newbie, only been a member for 2 days and already jumped in on a challenge, lol. :money: All of our cash flow is worked out on a Monthly basis, I have a gereral idea of how much I (we) owe in total but looking at some peoples SOA i have noticed that im not counting a lot of things. OH and i…
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Iva
Hi all, My girlfriend has an IVA with a company called Synergi who were recommended to her by the debt councillors but after the first year of paying them £5,000 she has found out that they have not paid anything to her creditors! She has been approached by a company called https://www.bankruptcy.co.uk, who have told her…
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Having a charge put on your house
Hi there I am seeking advice for a friend, though I have a feeling that they have been a little ecenomic with the truth- I figured you guys could help to unravel it! The story : About 8 years ago took out a credit card whem living in rented accommodation (sp?). Something somwhere went wrong with repayments (haven't fully…
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Does this make any sense?
I've got something about this on my diary thread but I'm looking for some comments from others about my situation. Sorry it seems so long.:confused: My debts as they stand are like this: Virgin: limit £7,400 current balance £6960.82 APR 34.9 from March Lloyds TSB: limit £11,000 current balance £10443.40 APR 16.9%…
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On a DMP and here's my SOA
Ok, so I'm on a DMP with CCCS (since May) and currently seem to be struggling to pay everything :( Before I contact CCCS with regard to changing my payments..... Do your worst ;) Income £1,300 a month Out: CCCS 640 Gas £60 - prepayment - only have heating and hot water on approx 3 hours a day and heating on low - obviously…
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New Year, New Pev84....I hope!
Hi All, Been a follower of MSE for a while, and always thought I was in control when it came to my finances (bit of head in sand I reckon!) Anyway - lets cut to the chase! Here is how it breaks down, can anyone recommended a plan of action for me? Monthly net income - £1313 (after £50 in a sharesave scheme and £59ish…
