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Paying off my CC?
Hello, my first post here, so please go easy on me. I have an MBNA card with around £3, 500 on. I used this card mainly when I was on Maternity leave with our 1 year old son and have never got round to paying it off. Things escalated and here I am, £3, 500 in debt on a card that I can't use (up to limit).:o I am paying off…
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A new hatred of Barclays.
Sorry everyone, Just need to let off a little steam. I recieved a letter this morning from Barclays telling me that I have recieved a £30 charge for going overdrawn on my current account. I checked the account online and found out that I had gone £5.48p overdrawn on 10th April. I have no overdraft limit, but do have a £5…
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Bloomers Confused
Sorry for being thick but can anyone tell me -- can I use a credit card to pay off a bank overdraft which is £2, 750 and costing @ £40 a month interest. Can I ring my Natwest Bank and say I want to use a *** 0 per cent credit card to pay this off. Is that allowed? I would rather use the £40 to go to paying the amount off -…
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Competition Win or a scam?
I've been filling in so many surveys for the 'Make £10 a day in April' challenge that I can't remember individual ones anymore. This has resulted in some sales calls so when I got a phonecall tonight I wasn't really listening. But *apparently* I've won a holiday for 4 with flights and accommodation included and when I…
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Please help with my SOA Its too bad
Hi first post here in need of some serious help, i have been reading through posts and realize i need a SOA, but my question is how do i include lots of my debts that i cant afford to pay and have not payed for years in my SOA. I have to tackle my debts for the sake of my family but don't know how or what to do. Any and…
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Deb& moving
Hi guys, I really need help, I have just plucked up the courage to figure out how much I actually owe which is £10,800 which is far more than I thought and it has really upset me as I am sure you can guess!! The biggest problem I have is that I am moving to another country and I do not know what to do, I have managed to…
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Lloyds Tsb - Unauthorised Overdraft Letter !
hi, I have been on my dmp for 16 months now and lloyds are one of my creditors. haven't been charged interest for a few months now and have just received a letter saying they have made payment from my account as there wasn't enough money (no transactions have been made) and they were giving me an unauthorised overdraft, no…
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Help me and my family
Hi everyone, long time reader of the site & forums... but first post. Me and my fiance work hard and don't reep much from what we earn, we have an 18 month old daughter so my partner only works 2 days I week. I work 5 days a week and together we earn enough to pay the mortgage, bills and shopping. But it leaves nothing…
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As my user name says Enough is Enough (help wanted)
Ok so i’ve decided enough is enough. I have got to the point where I owe £23,000 to various loan and credit card companies. I have a decent job and a few friends and a wonderful girlfriend. I am fed up of waking up every morning counting the days until payday when I can pay off “just a little more” of this £23,000. But as…
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Paying off cc - my diary and thoughts
Hiya everyone :wave: now for my little confession.....My name is r.mac and I have a credit card with debt on it. :o I've been on this site for years, and know it's a silly situation, but i think while i've been concentrating on other things I've let a little of my spending slide esp with moving house, getting married and…
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yey capquest
finally today we have cleared our debt with capquest, it feels so good and I won't miss them one little bit :rotfl:
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Getting out of debt when your credit rating is against you?
My personal situation is that I have £280 left to pay to debt collectors for my old (now non existent) credit card and I have spent the whole of my financial life at the bottom of my now £1600 overdraft and this is a situation I'm looking to change. However due to a bad credit history for obvious reasons I can't get a…
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What do you class as a no spend day?
I've noticed that some people class a NSD as a. not spending anything at all while others say they've had a NSD when b. they have spent money that is part of the budget but not bought anything extra. I'm part of a.I was just wondering how you decide it's a NSD. Are you a. or b.?
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Advice Please
Hi Im Sarah, 20 frm south west. I live in rented accomadation. Basicully im £2000 in debt, which dosnt sound a lot but im stuck. I have a £1200 overdraft, which the bank is reducing nextmonth, also I have a £100 overdraft on another account which again is being reduced. Both are currently maxed out. I have a credit card…
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Oh good grief! New lightbulb moment....
After having my initial lightbulb moment over a year ago, no progress has been made on my debts and looking back I think I got complacent about things. I havegiven myself a good talking to in the last few days and now it is time to take proper action and follow through with my plans. I don't have a "proper" job at the…
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please help with good advice regarding vat
we have a limited company (although my husband is only a sub-contractor) with no employees, no assets and no savings. We have now ceased trading and considering winding company up. Like many people, we are in just a little trouble with tax and vat. have been speaking to hmrc regarding tax and to be quite honest they are…
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Letter from Lowell financial Ltd.
Hi, I received a letter today from Lowell financial Ltd. telling me they have been appointed collection agents for £455 balance oustanding from 1st Credit. I've never heard of either company and as far as I aware I have no debts. Do I contact them and risk giving out more of my personal information than they already have?
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Help and advise needed after a Death
Hello all, Sorry if this is posted in the wrong place ! please feel free to move. My Wife was killed in a car accident a few weeks ago, i have been trying to sort out all the paper work and bills etc since her death, i have no credit cards etc they were all in her name, although i have the main income for the house, i dont…
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Help with a Natwest Loan Please..........
Hi I have recently applied to re-finance my loan with Natwest after difficulty in meeting the monthly payments, I originally contacted them in January and it is still going on!! It took me about 4 phone calls to them for someone to actually help, I did also speak to a debt management company who advised me to do what i…
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What to do with my £500?
I have a credit card with a £900 odd balance with Capital One, so high interest rate (don't know what it is off the top of my head, but it's bound to be in the high 20s). I have a car which I have had for six months. It was the cheapest one we could find at the time that suited our needs (or so we thought). Turns out it is…
