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Thanks mate
A bloke at work covered a mistake of mine that coulda got me in big trouble. Obviously I have expressed my grattitude but thought it'd be a nice gesture to get him something. Any idea what?
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Vulture Creditors
Not my field this one. I have a friend who is in debt to the tune of £70,000 a wishes to avoid bankruptcy. They are self employed in a new business so an IVA is difficult at the moment becasue of needing to prove income. They have successfully negotiated, with the help of the CAB, payments to all companies except GE…
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can anyone give me advice for my credit card debt
Hi there, Okay, i'll be totally honest..........i have wracked up in total £15000 of debts on my credit card.... :eek: its my own stupid fault, i know and im kicking myself now. But i do realise i have to get this sorted!! :confused: Its on two credit cards and i rang the bacnks to find out if i can shut the cards down and…
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Updated SOA
Monthly Incomings: Child Tax Credit £624 Child Benefit £210.20 Income Support £207.82 Maintenance for 4 children £50 Total - £1092.02 Monthly Outgoings: Mortgage/Rent - £0 paid fully by Housing Benefit(not included above ) Council Tax - £0 paid by Council Tax benefit(not included above) Gas - £33 have just switched so…
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Cut out and keep
As many of our CC companies are shy at telling us the APR on their cards, here's a little table you should stick on the fridge for the kids to learn: Credit Card Rates Monthly% APR% 1 12.68 1.1 14.02 1.2 15.38 1.3 16.76 1.4 18.15 1.5 19.56 1.6 20.98 1.7 22.42 1.8 23.87 1.9 25.34 2 26.82 2.1 28.32 2.2 29.84 2.3 31.37 2.4…
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can i claim back hsbc charges
hello,we bought a computer on credit about 9 years ago for an aprox total of £1,250 and was paying so much a month...after a few years we phoned up to confirm that this was our last payment and was told that we still owed aprox £1100...they told us that it was either because the first payment we made was £35 instead of £50…
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query regarding 6 year statute barred
ok so fm reading various posts, i understand that if you have rcvd no correspondance fm anyone regarding the debt on your credit history after 6 years, then you can request the debt be removed fm your history. however, what happens if your credit history shows that the company has been regularly searching your file to see…
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trying to loose weight? free trial.
This is kinda saving money, any1 looking to loose weight-you can get a free 3 day trial with weightlossresources.co.uk. i know it's not very long-but you just have to register-you DON'T need to enter any credit/debit card details and you are told; your body mass index your target weight how many calories you are allowed…
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Going Out ideas that are Cheap & Cheerful and hopefully free
During the few months I have learn't alot from reading threads at DFW. I have worked out a budget and agreed repayments terms for all my debts. This leaves me with £25 a month emergency money that is not already allocated. I often have to say "sorry cannot afford to come" when I am invited out - and are trying to find…
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I really hate MBNA!!!!
Not only have they been the only ones to refuse to work with me and reduce payments/freeze interest I have just had a letter that my interest rate is going UP from October to 2.0084% a month!!!!!!!! how do they justify that???That's 24.1% :( I'm never going to manage to pay all this off am I?
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i'm new to this, please be gentle with me!
Hello there, I've been reading the debt free wannabe pages for weeks now but have only just got up the courage to post a message and ask for help myself. :rotfl: I'm another debt free wannabe, i've been struggling with this for so long now on my own and have faced on many an occasion the embarrassment of having my card…
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bank charges
I've been abit laxed and after sending my first letter stating how much I'd be recharging and giving them 14 days, my personal life got abit hectic and 26 days have lapsed! I didn't send the letter recorded delivery, should I resend the letter recorded delivery or send the 2nd letter! problem being I go away next thursday…
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bank/debit card help
right since19/6/06 i have downloaded and payed for £17.47 of music but the company has taken £23.40 out of my bank :o why? thats a £5.93 difference? i cant seem to be able to email them and ask and in there terms and conditions it has nothing, they arnt international (as far as i know) so how can they take the extra?…
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Reducing an unexpected bill
I today received an invoice for my web hosting. Nothing unusual in that, except that at some point in the last month my hosting was exploited, and in addition to the usual hosting fee I have charges for additional bandwidth of £648.53 :eek: Basically I can't afford to pay this (at least not all in one go). Does anyone have…
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Debt Free Wannabe Meetings Brighton/Hove/Eastbourne?
I just wondered if anyone is interested in setting up local money saving meetings in Brighton/Hove/Eastbourne areas? Would be good for mutual support and motivation in terms of saving money and reducing debt. I have the time one night per week after work (Tuesday maybe 6-8pm?) and my place could sometimes be used for…
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Thanks
Having put up a thread"gregory pennington" i took advice and went to the CCCS and i have now been able to reduce my monthly payments by £140. The relief that i now feel is great, no longer do i have to worry and be stressed out. So thank you to those that posted and whenever i need advice on anything regarding finances i…
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to maria or not to maria... xmas question?
long story short, my mum loves the sound of music and has always said 'if its ever in the theatre and i am debt free i want to go'... now she has watched the maria show since day one and i asked her if she would like to see it, her answer 'if my girl got through yes, i dont like the others', yes and you guessed it 'her…
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Reduced price of BT Option 2
I have just been surfing the BT website and found an ad for reduced cost of option 2 package..........just had another look and can't find the deal but having just spent 30 mins trying to call BT, I have transferred to this deal, it is as follows: 18 Month contract First 12 months at £11 per month (same price as the basic…
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Mortgage while on a DMP ...
Hey all :hello: Me and OH seem to be out-growing our flat and I'm sure that I've read somewhere that you can get a mortgage while on a DMP. If we were to move it would be next year and would probably only be increasing our current mortgage by £20k. Can this be done or am I just imagining it :confused: If so, does anyone…
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Good savings made
Came in from work this morning and decided it was time to save some money. So far I.ve switched Car insurance saving £12.00 per month Reduced tax credit overpayment from £83.00 to £40.00 per month Reduced broadband and phone from £49.00 to £35.00 per month Switched gas and electricity from NPower to Atlantic, should save…