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Question for Bank/CC Charge Refunders.
To all the people here who are currently trying to get their bank and credit card charges refunded; Do the companies close your account(s) once you have taken these steps? I understand that you may not wish to continue with them, but supposing that you still want to operate the account, is that possible? Or do the…
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Reading newspapers and magazines online
I spend a small fortune buying papers and magazines to read. The magazines are mostly of the women's glossy kind or health and fitness related. Can any kind person offer some URLs for interesting magazines/newspapers? I have tried googling for sites but usually the sites have little or no content to read. Thank You :beer:
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Any advice on debt management schemes?
Hi everyone Posted for the first time here this morning and everyone is so helpful, it's a but overwhelming all of this, huh? Ok, spent some more time on the CCCS site and was just wondering if anyone had any luck with going into some kind of debt management scheme? It would be interesting to hear stories of whether or not…
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A little lurker update...
Just another one of my thank you e-mails for all the help you provide to those of us who don't post very often... Since joining in order to get my nearly £3k debt under control and curb my ridiculous spending I have taken on board all your tips (I would not dream of buying anything that hadn't been price checked against…
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Credit Card We Can't Pay Off - HELP!!!
Hi All, My husband has a credit card account but destroyed the card 5 years ago in the bank (the account has never been used since then). We were having financial difficulties (still are) and have been paying back the £1,500 balance since then, making the minimum payment as we can't afford to pay more. The bank had agreed…
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Help for not spending at Christmas time!!!
i know it sounds a bit corny but im doing it & its fun!! I have a huge family, full of Uncles and Aunts, and we all tend to buy a little something for each other!! So..... all this year, i've been collecting Jam Jars and Sauce bottles and putting them under the sink - i have TONS now!!! Anyway, i've got a few bottles of…
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Bankruptcy/IVA & a liqour licence
Can you hold one if you have an IVA or have gone down the bankruptcy route??? Just came up in a conversation and cannot find the answer. Thanks Starkiller
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loan overpayments ?
Hey peeps Anyone had any dealings with Lloyds Tsb loans. and if you can make overpayments at all on them?. Im down to my last few debts and realy wanna pay them off as fast as i can and the only other option If i cannot make overpayments with lloyds is to take out a loan with someone else so i can make overpayments Any…
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Another Rant About B/card
god So today is payday I have an outstanding balance of 18.78 on my b/card. then I can close the little devil .This card has been like a lead weight I was kindly given this with a 350 limit at uni, when I graduated it went up to 550. and It just hung about like a manky smell. Ive had this card ALMOST 10 years to the day…
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I want to get clean
I'm finally on an even track when it comes to my debt compared to some my debt is nothing and I know I can pay it off if I stick to my plan. But what I want help on is getting my credit record clean we want to move house in a few years once the debt is all paid off but right now. My credit rating is awful. OH is ok but not…
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Help...don't know what to do
Hi everyone...I've already written this once and lost it, so I'll be as brief as I can. I'm 24 and finally accepting that my level of debt is out of control. I have 20k of unsecured debt (don't own a home, or even a car!) spread across a personal loan and 3 credit cards, not including a student loan from SLC. My debt…
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not in debt yet. dont want to be.
hi, as i type this my OH is moving into his new house me and the kids are staying put here. iam a full time student and work part time. iam very scared that as i only earn £402pm and will then be able to get wftc and cb and £300 support from OH we will end up living on credit untill wftc comes through. any advise to avoid…
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An IVA Loophole?
I was watching an advert today for an IVA and I just starting thinking. Here me out and before anyone condemns me, it's my idle mind wandering!!! :o Say you had a mortgage for £XX000 over 25yrs fully flexible. You have no debts to speak of but moseying along. What's to stop you taking out £XXK of unsecured loans and using…
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Equifax Information
Hello folks, I deiced to sign up for the free trial per Martins article, I was more curious rather than anything else. The vast majority of it seems fine but theres a few things i'd like to check with you guys. One one of the Credit Agreement listings it shows a full years worth of Grey U's in 2005 then resuming to green…
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Creditors Refusing Offers form CCCS
Hello again. After seeking advice here a couple of weeks ago re my credit card debts I contacted the CCCS for assistance. I had given up on the CAB as I simply could not get an appointment there. They seem to be snowed under right now. (Sign of the times?) Anyway, the CCCS were very helpful and initially, as I had little/…
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Cut down mobile phone bills
Hi, Im not sure if this could help anyone, but..... My mobile phone bills were huge - and all through text messages!!! I was shocked at the size of it as i thought it'd be cheaper to text.:confused: Now....... If you join Orange PAYG and top up by £15.00 a month you get 3000 free weekend and evening texts FREE!!!!!!!! and…
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Do I save for fees or clear 3k debt?
good afternoon everyone, hope your all well! after a bit of advice really! wasnt sure which of the threads to put it under so apologies if its wrong!:o BASICALLY i have a cc which has 3k on it. i want to buy my own place with other half in january. we need 4k for fees etc as were getting a 100 per cent mortgage. we already…
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Spectrum Financial Protection
Hi all, Has anyone ever heard of Spectrum Financial Protection? They are a company that are advertised on the radio at the moment Radio City 96.7fm.... they say that they can help with problem debts, and due to Government legislation can help you get debt free in 5 years. I was just wondering if anyone out there has come…
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Another bit of good bank charge news!
I got a letter yesterday from HSBC saying they'll pay my full amount! JUst got to make sure they give it as a cheque now - any idea on how I go about wording this? Congratulations to everyone else who's had success - it feels very "power to the people"!:beer:
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University charges
Don't know if this is correct place, but if not would appreciate if someone could point me in right direction. My daughter is in 4th year of University - her third year was spent abroad. Anyway, she went to register yesterday, and was told that she could not register. Apparently, she should have paid a partial fee for year…