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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…
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How much have/will you spend today Tue 19/9?
Good morning folks! Another good start to the day - woke up feeling rather positive! Might be that £320 overpayment to the card that did it :rolleyes: :D Today will be a no spend day for me, 3rd in a row! :dance: I am keeping my £20 locked away in my purse until I HAVE to use it! Hope all the challengers are doing great. I…
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Panic stricken
Oh lordy. Getting my knickers in a twist. I've had to resign from my job due to ill health. I only worked part time, we have enough money to live on with out me working but the extra came in handy for overpayments. I am looking for something else but nothing is forthcoming at the moment. DH has put £72 on to a cc that he…
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Writers, educaters and readers... I nead your help !
Right... I was a tad tipsy last weekend :beer: , and annoyed that the Liverpool Echo offers no consumer financial advice, fianancial education or anything of sorts.. So I sent the editor an email ! They are aware of my 'ask the analyst' thread and would like me to submit a dummy as if it were in the paper,.... This paper…
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Update
hi all, sorry i havent been around for a while. the new business is taking up all my time and is going really well. just wanted to say i had some good news today, after all the panicing about the changeover from income support to tax credits....they managed to outdo themselves and get my claim sorted and money in the bank…
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Joining the library--is it free?
Hi I have decided that instead of buying books and reading them once I will join the local library(dont know why I havent bothered before!). I have tried ringing them tonight but there is no reply---does anyone know if you are charged a fee to join? also what ID will I need to take with me to join? Thanks x
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I've just realised...
I have a deadline to pay all (or a good proportion anyway) of this off by. August 2008 to be exact- otherwise my job is at risk as I depend on security clearance for my position and high debt is not good news. Very very scary. I want you all to give me hard kicks up the backside if you see me admitting to large spends on…
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huge debts
hello everyone, well i posted a while ago about my bf debts:eek: after toting them up it reads as about 70,000 yesterday he tryed to call National Debtline but unfortunantly he could not get through. i have few questions id like to ask an value any opoins given. 1. do you have to contact banks diect initally to make them…