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quick bank charges question
can you claim for unpaid direct debits standing orders e.t.c or is it just for going overdrawn? thankyou
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Balance Transfer Dilemma
I'm at the end of several low rate balance transfer periods. I am due for an egg anniversary offer in December (if they are still honouring this as I've had the card since 2002). Egg are currently offering 3.9 B/T with a fee. Cap One have just reduced my interest rate to 6.9% and I have about £7000 at 14 ish % with…
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Help needed from newbie... :(
Hi, my name is Sarah and need to get our debts sorted out. We have a little girl and another on the way and things are very tight at the moment... Here's our SOA. Debts- Joint: Car loan (£4995 but end up paying £7700) £160.50 p/m Husband's: citi card - (£1500 up to it's limit) £50 min Dell - (Not sure how much left approx…
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CCJ help!
Hi, I have a CCJ fully paid off now!:beer: :beer: :beer: :beer: When I first got it there was a website I could view it on, but I have lost the link:o :o :o Does anyone here know it? I want to know if I can have it satisfied online???? Or do I have to use Mail? Thank you to anyone who can respond!!!:A :A :A k.
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RIGHT here's my target for November!
We have £1582 coming in in wages and child benefit, with £961.52 going out in bills leaving us with £440.47 left (That's taking into account £150 for food etc and £30 petrol). My husband has driving lessons at £19 a week so taking that into account we have £364.47 left. So £364.47 over 30 days makes £12 a day available for…
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Bank Charges
Hi There, Not sure if this is the right place to ask this question( yep another newbie - what a great site :T ), but here goes: Our debts are currently being managed through Payplan, the bank have closed our account, but we were wondering whether we could try & see if we could claim back some of the charges to pay off some…
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When contacting CCCS
My brother is contacting CCCS and has his credit report from Experian would he need credit reports from the other credit referance companys or will the 1 be enough. :beer:
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Is there any Savings account at the PostOffice?
Hi, I have decided that I will start to save and my problem is all the banks are in the city centre but I would call in to the spar for milk daily and there is a post office there and I thought that would make it easy for me to put in money each week.:T Does anyone know whch savings account can be used at the post office?
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sports fans who can't afford sky anymore!!
my OH just discovered this site to watch sport on you might want to turn the sound down...its all foreign :cool: http://www.livefooty.doctor-serv.com/
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will my new employer know about my bad credit?
will my potential new employers know if i have bad credit and just a basic account and will it affect my chances of employment? worried now?
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How much have/will you spend today Saturday 14/10?
Good afternoon lovely DFWs :) I can't find the thread anywhere so I either missed it (sorry :o ) or I wasn't given the day off :rotfl: I've had a super lazy morning! :D I've just done a little tidying up around my desk and while I was checking my internet banking, I saw I had 2p left in my current account (Monday is…
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Confused What to do??
Hi. :) I found this site through a friend I've just been reading some of the threads and they have been quite helpful so far. I'm in a fair amount of debt. £23,000. My income is low £700pm The outgoings on my debt is about £470pm I've been in touch with cccs and they recommend Bankruptcy. It's a scary move. I've thought of…
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Mystery Shopping.
I did my first mystery shop today, it was a nightmare. It was for a restaurant and everything that could go wrong did go wrong. I felt a bit guilty sending in my report with so many negative comments, but I suppose that is what mystery shopping is all about. Onto my next one..
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How much debt am i in ?
Seems odd saying it but i dont actually know how much debt im in. I know its a fair whack as we are getting letters left right and centre every other day but untill recently we have just been burying our heads and trying to ignore it :( Anyway bit of back ground info - Married 10 years ago, brought a wicked house for a…
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sorry need more help
just had baines and ernst on the phone/ they reckon if I pay back £128 per month to them i can be debt free on their debt management plan I've looked at Payplan and am thiking of giving them a call. What do you think?
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How much have/will you spend today Friday 13/10?
Good morning DFWs :) Friday at last! Ever so busy at work so not had much time on here this week :( Hope everyone is doing well and new people feel free to join in ;) Sunday to Friday challenge is going well but I am meeting a couple of friends for lunch and it may all go down hill after that :rotfl: Have a lovely day…
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Are Payplan any good?
Hi everyone, just wanted some quick advice really. My parents have been with CCCS for 2 years now, but unfortunately, my mum and dad have come across discrepancies in the totals and are not happy with the responses they are getting from them. They are looking to try and clear their debt with someone else. They have been…
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Debt Management Plan - 2 Questions
Hi Guys, I need your help, I am seriously considering a DMP, i just cant see the wood for the trees !! I have the following debts: £11000 Loan - Abbey £3000 CC -Capital One £800 CC - Loyds TSB £1800 Overdraft Lloyds TSB £800 - Catalogue NEXT 1) My question is would I be best to put the Lloyds TSB debt onto the capital one…
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sad day today
Having to rehome the puppy.He's 7 months old and I start my part time job next week.It's only 3 days a week(Mon and Fri 9:30 to 2:30 and sat 9-4) but because I have to leave the house at 8am to get the kids to school and pick them up after I would be out on Mon and Fri from 8am to 3:45pm.(One daughter has to be at school…
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Capital One???
Hi all, I have a cc with cap one, i recoveered £600 charges on it now theres £300 owing. They have transferred it back from bailiffs/debt company to cap one. I have written to cap one asking for my card to be re-insated as it will be easier to pay and they defaulted me because of charges. Does anyone have any experience of…