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Best route??
Can you advise me on a problem please??? I have two current accounts which both have overdrafts on them. I ususally keep under them (just) but occasionally I get the £30 charge. I would love to clear them and be in the black again. I would like to claim back the bank charges but understand that in some cases the banks have…
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MBNA - don't you just love them!
After months of stress with my MBNA credit card account (phone calls, letters, threats) they actually accepted my offer of payment and interest is now frozen. So imagine my amusement today when they sent me a letter saying how much better I would find life if I were to solve my financial problems with a loan! In your…
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What not to wear - obscene!
Not the programme but the amount of money these people are spending on their weddings. I wonder how long it will take to pay these amounts of money back! £23,000 for one wedding!
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Overdraft - How to move to 0% card?
hi all i recently took advantage of the GE 0% for 12 months card offer. ive just got the card and discovered that i cannot transfer around £4k overdrfat from my current account, for which im getting charged £30+ a month. is there any other way to move this debt from my current account to a card? i've got another 0% offer…
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Here goes: Statement of Affairs
car 60 car insurance 37.5 food 400 sky 46 contact lenses 24 life assurance 61.46 house insurance 30.77 electricity gas 51.66 mortgage 516.24 council tax 103 phone 30.99 sewage 10 tv licence 10.08 water 27.44 credit cards 580 mobile 25 pet insurance 17 cricket 10 cash 250 childcare@ 2 days 303.34 total 2594.48 the credit…
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IVAs and the debt management companies
As some of you might know I'm around £30,000 in debt, no thanks to a lousy university education. I'm in a full-time job but the salary has been awkward - so I was considering using one of these companies that claim to "reduce your debt" by 50 to 75 percent. I've contacted ClearDebt, who recommended from the outset getting…
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My SOA
Just wanted to see if anyone could see anything we can do. DP has bonus from work that could come in on a monthly basis if he meets targets, these can range from £100-£1000pm I have one 2yr son and in the process of starting up a business from home. Income Wages £1322 Child benifit and child tac credits £153.00 TOTAL-£1475…
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Some good news and some may be on the way!
Hi Everyone, Its looking like I'm going to get a payrise! Its to be confirmed, but my boss is seeing the director to sort it out as I've been working so hard. Also my car insurance is going way down, not so young anymore and built up some no claims. Please all pray I get the payrise and it happens for my nov or dec pay, it…
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How much have/will you spend today Thursday 12/10/06?
Good morning DFWs :) How are we today? :D I am doing well, thank you. Work is very busy so the week is flying by! Paid off a bit more off my credit card last night which was unexpected but I seem to have had a little surplus this month, even after all my overpayments! :j So, today, I spent £3 on fruit - bananas, nectarines…
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IVAs
how exactly do these work and are they any good?
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Ideas for short term money making?
has anyone got some ideas how I can make some money before I start my new job in November? I live in Bristol I have good admin skills, I am a qualified Financial Adviser, own car, willing to do any sort of work but to be viable to offset childcare costs I need to earn £8-10 per hour. Any ideas greatly appreciated.
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Credit cards and banks.
i am paying my debts thru cccs since 2000,i was stung for loads of fines and charges when it all went wrong,can i try to claim back fines and charges from 3 card companys i havent got any statements now but i paid a fortune at the time.also 1 debt was a loan which spiraled out from a small loan everytime i was called to…
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Telewest threaten with DCA, any help
I cancelled my telewest internet at the end of august and was told it was fine. I got a bill today for £85 saying they couldnt cancel my service as i hadnt paid septembers subscription although i was cancelling at the end of august. The thing is they have said theyve sent me letters and i know full well they havent. they…
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Newbie - Call from Bank
HI My girlfriend uses this site and is always talking about it. I had a call from the bank yesterday and I felt sick after. So my girl suggested I posted my SOA and some details in the hope of some feedback :o Incomings Wages 1561 Total Incomings 1561 Outgoings Mortgage 804.37 Sainsburys CC 40 min pay Halifax C 21.07 min…
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Help please?
Was wondering if anyone can help me? I have managed to do my DMP myself, I sent off letters to all the companies and almost all of them froxe interest and charges excpet for my cldesdale bank cc, they did say that they would accept a payment of £55 per week though. At first I thought this was ok and was happy with it as I…
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Debts, mortgage and self employment
Hi everyone, As you may have guessed I'm in debt thats why I'm here. By almost £18000, a series of job losses have meant I have now set up my own company so I am self employed now and I am happy and have been self employed now for 6 months and in that time I have earnt more and enjoyed my job more than I ever did working…
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im louise and in debt alot
hi i just joined, cos i relise after yrs, that i owe alot of money. and need help at the same time i fel silly, but know that i have a huge problem that needs sorting out fast i dont know what i do really.. sorry to be thick.. louisex
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Nightmare - bank accounts
Hi I am with payplan and need a new bank account, as I have debt with my current account, I have now appiled to 3 banks and been turned down for all of them, and even gone for current accounts which have no overdrafts and cheque books anyone got any ideas???? many thanks
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Falllen off the wagon
Things have gone well until August then suddenly i have back in my old spending habits! grrrr angry with myself. I had planned to pay off the Virgin account by the end of the month oh well... it anit happening....grrr its not going to be a happy few months:mad: Well I guess at least I reconise whats happening and I do…
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question about a loan
Hi all realise this maybe the wrong forum, but there we go. I am about to top-up a loan with egg - yes I know that consolidation is not advisable generally, but it's the decision I've made. The reason being that I've hit some big expenses recently - honeymoon, boiler, big car service & repairs - I was managing fine until…