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Been Charged twice for the same bill
I've just posted this on the mobile phone board but thought I'd run it past the seasoned DFWers. I've just been doing some long overdue paperwork sorting, lets call it account auditing to sound posh. I've found that "3" charged me twice for a bill some time back. I never noticed as I was living in Germany at the time. The…
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Wow!!!!
:j :j :T I got home late last night, DH and I had been away for a couple of days and as usual I checked on my bank account balances to find I had had my bank charges refunded. I can't describe how happy I am about it we will be able to pay off our overdrafts (£1650) and maybe one of our bank loans too, I will get a…
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New here IVA advice please!
Hi there After many years of burying our heads in the sand, my hubby and I decided to confront our debt, had counselling then we were referred to an insolvancy specialist who gave us two options an IVA or Bankcruptcy, we chose the IVA as we feel it is our obligation to pay back some of our debt even though we cannot afford…
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Barclaycard and my file.
Hi Guys, I had an iva which ran its course of 5 years and finished in August 2005.I then wait another year and August 2006 the iva and all the debts within it dropped off my file. GREAT ,well thats what i was thinking until i get my file through and see that barclaycard are still showing as satisfied in 2005.This means it…
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Does balance transfer "tarting" adversely affect your credit rating?
0% Balance Transfer Tarting -v- Low Apr for the Life of the Balance I currently have a credit card debit of £4,385. It is currently all on one Halifax credit card, with 0% interest until April 2007. :T I had planned to "tart" this credit balance from one 0% deal to another until I pay it off. However, I am starting to have…
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What goes around comes around
I feel a little touch of nastiness has just come over me. Remember me telling some of you that the reason that I am about to be made Bankrupt is the fact that we had a pub tenancy with London & Edinburgh Inns and we were ripped off, lied too and everything else you could imagine to make you go bust. Well, I have today…
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Experian Credit report
i've just got my credit report back from Experian and have a few queries on it. I went througth a IVA about two years ago and thought everything was settled but see three entries on their from a firm called Max recovery for sums I know nothing about,does anyone know of this company and if so do they have a contact number?
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Egg Card Intrest rise
Really not happy to see that egg are putting interest up from 15.9% to 21.9% can't transfer my balance as I have poor credit history, gutted, been paying it off really well Nat x
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Courage and help needed
Afternoon everyone, I've been lurking on this board for ages now and finally plucked up the courage to actually post and also face up to my debts, and im positive by me actually starting to post on here i will get the confidence to face up to my problems and come out the other side, i've seen how this board has such a…
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Anyone on IVA?
Hello would love hear from people who are on an IVA and can give me some advice. I would be really grateful!!!!!
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Finally plucked up the courage to speak!
At the beginning of this year a direct debit to a credit card was returned and my mortgage payment was bounced. This was when the whole house of cards that was my debt suddenly collapsed. Then came the awful realisation that outgoings hugely outstripped income, and that my partner and I had been living on credit for years.…
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One Debt Cleared!
Hey all - I dont know if many of you remember or not but a while ago when I joined (March time) I had many many debts, some big and some small - also you may or may not know that i had debts X 2 as I run my own business........anyhow one of the biggest and most worrying of my debts was PAYE & NI to the Inland Revenue and I…
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Christmas Saving Clubs?
Hey everyone I'm not sure if this is the correct place to put this thread, but here goes A couple of my friends and I were talking about Christmas yesterday and how much we are budgeting ourselves for it. We started to talk about these Christmas saving clubs, the ones where u pay them £5.00 a week or whatever and then they…
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Debt help for a newbie please
Hi, I've been lurking for a while on the site but after receiving a letter this morning from our secured loan company telling us our payments are going up £8 a month :mad: (not a huge amount I know, but we are just managing to keep our heads above water as it is) I've decided to see if you guys can offer some advice? We're…
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My start to getting out of debt
Ok, here goes. Thanks to reading purpleprincess' diary I have decided to list my own finances down and see what you think about how I'm doing and if I'm doing anything wrong. I'll do both my finances and joint finances with my husband so you can tell me if there is any better way of doing things. Ok, I'll start with the…
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Smile Overdraft
Hey, So I currently have a Smile overdraft of £500 which i've used pretty much all of. Anyway, I rung them up today and they've agreed to reduce it by £60 a fortnight and then £80 for the last fortnight until it's £0 so hopefully it should be one step to having my bank account in the black. Matt :)
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Home study course - worth it or waste of money?
This may not be the right place post this, but this where my MSE friends are and don't know where else to stick it! I love writing, I work in a press office and the best part is putting together copy etc but it doesn't satisfy me enough. Apart from stuff for my job I've never had anything published as I know freelance…
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Re-Mortgage or other method? HELP!!
Hello helpers! I have a tricky'ish question and wondered if someone can advise if we're doing the right thing? We have a current mortgage of 155.000, over 21 years, which equates to 925.00 per month (we are 6 months into a 2 year fixed rate at 4.44% with Nationwide). We have an additional debt of approx 23,500, which is…
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OMG is this for real???
I constantly offers of loans and credit cards through the door, all of which go straight into the recycling bin after I've laughed at their 8% APR or whatever, but I just had something through which had me sitting here in open-mouthed disbelief and now has me furious and needing to vent..... It's an offer from Provident of…
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Bloomin Animals!!
Can anyone help? My friend is having a crisis bless her so thought i'd throw it open to the wider forum for assistance. She is in the same situation as most of us and her dog has just hurt her eye requiring an operation of a staggering £3100!!!! Insurance company say £560 excess as over a certain amount!! She cannot afford…