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employer trying to rip me off!!!!
ive just quit my job as my employer never pays you on time. ive just got out of debt with my bank. any way last month i picked up my paycheck (£480) on the 25april. i payed my check in on the 26th. anyway the next tue whan my balance told me my check was in i drawed the lot out. two days later my bank told me my check had…
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Is there any limit to the interest rates debt recovery companies can legally charge?
A very good friend of mine has just receieved a court summons from a debt recovery company for over £10,000 on a debt of £1,500 that was transferred to them only a year ago. The difference is all interest charges - surely there must be some sort of legislation that limits interest charges? She has been making regular…
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Balance Transfers
Is it possible to transfer debts to a credit card other than from another store/credit card? I have an overdraft and personal loan which I'd like to consolidate and was wondering if I'd be able to stick it all on a credit card with a low lifetime rate 5% My loan started low rate but has been bumpred up to 17% (so altho im…
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Well I did it.....
....or rather didn't do it! :T I had a banking review today and declined the offer to "release some equity" in spite of the little girl at the bank telling me that secured loans were better because the interest rate was lower. I did ask for a normal debit card though (have electron at the mo) so i could use Tesco online…
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hsbc
hello, new member, have asked folk for advice on hsbc, but put it under "loans" site, dont know how to forward it to this one!! thick as a plank, no wonder in debt.:confused:
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£29k debt .....no money no luck
hi there tried my luck today with my boss, but he refused to give an increment in salary......looks like paying a debt of £29k a very far fetched dream!!!! debtblue
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First time poster
Hello all, I am posting on here but I know i am beyond help now. I have a DMP in place with ALLCLEAR but since coming on here I have found that there are free DMP available, as I have to pay a fee. The debt they are sorting is £22,500, we also have a secured load of £75,000 so as you can see I know that the situation is…
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Extra Bank Accounts for Budgetting
I see quite a few people talk about different bank accounts they have for bills, living on etc, we sort of have one spare account for car tax and repairs. What accounts have you set up and did you set them up before you were credit "unworthy" or does anyone know of accounts I could set up now with a terrible credit…
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Orange have done me over
Okay I'll explain situation... My Girlfriend took out a contract with Orange for me and I pay the money into her bank. They take out direct debit. Now last month she was on holiday and I couldn't get to bank before 20th (day of direct debit) so called them and asked as a one of could I pay by card (this was on 17th) now…
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Mobile phone contract question
Hiya everyone, just a quick question, if anyone can help. I went onto contract on the 27th April, just wondering when my new call/text allowance will come back on, will it be the 27th of this month? i.e. the date my contract started? Thanks in advance x
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Can anyone help? (Defaults)
I have asked a similar question before about defaults and had it all straight in my head but now i'm confused again!! I know a defaullt comes of your credit record six years after the time you defaulted but does it stilll come off if the balance of that debt is still being paid off? Thankyou to anyone who can put me…
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1/2 New Year Resolutions.
Hello everyone!! How are you all? I cant believe we are almost in June, very scary at how fast the time has gone!! So since we are at the half way mark - how has the year gone for you? Have you tackled your NYR's? What are your goals & the things you want to achieve by the end of 2007? Have you started saving for Christmas…
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The Over 50K debt Club - Join Here!!
I'm not meaning to sound glib about my debts, in fact the reason I have started this thread is because I am still scared (despite all the great support on here). When I read about other people's experiences I do sympathise, and I understand completely that debt is a relative thing - being £10K in debt is very worrying if…
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Dental plan vs Dental money pot...
Hi, my OH is in the middle of a course of dental treatment that is costing us nearly £400, and I have been toying with the idea of a dental plan... but I'm not sure if it's the right thing to do. There are 3 of us in our family (1 baby), and a serious lack of NHS dentistry in our area. I am registered at an NHS dentist…
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Help - 2nd income required!
Hi, A friend of mine is really down at the moment because by the time she has paid out for her bills each month she has virtually nothing left for "spending money" so to speak. She was saying she could do with a 2nd job/income but didnt know what she could do and i must admit i wasnt much help! Does anyone have any…
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Newbie, motivated and on a mission - Now very ANNOYED
Hi All, I've been reading this board for a few weeks now and had my lightbulb moment a couple of weeks ago. I've had good news that my bank are going to refund £1000 worth of bank charges and now I am really motivated to clear my debts as quickly as possible. I know that my situation can be resolved and the only reason i'm…
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What comes next?
I am presently on a DMP with Payplan and have just done a new financial statement with Payplan. They have now wrote out to all my creditors and they are not happy as the amount has been reduced from £500 by £170 a month to £330. I have received correspondance from some of the creditors who will have accepted the new…
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Debt free for the first time!!
Wow!!!!! My life has changed dramatically overnight. I have gone from having £42k of debts to having nothing overnight (aside from a £70k mortgage). To say this is a life changing experience is an understatement. Before the debt was paid, hubby and I were about to refinance or sell our house to get out of the hole we were…
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How much have/will you spend 16th may???
good morning darling dfw's xxx it's a miserable rainy morning up here, suits the restless mood I have! and since I'm spending all day at work I don't really care! oops thats not a good start to the thread is it? well today I'm nipping into boots to get a couple of prescriptions the doc just gave me (medical exemption…
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16.5.07 what small dfw thing will you do/have you done today?
Hello lovely DFWers!! When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same…