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MBNA, DMP & Credit Solutions Limited
I'm going through the motions with MBNA to negotiate reduced payment and a DMP, yesterday I get a letter from them detailing my accounts, and today I get a letter from Credit Soltuions Limited demaning payment for the overdue amount, I've already told MBNA that I don't have the money to pay the overdue amount in full and…
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a warning
This is a warning to all hard working individuals who try and achieve something in their lives. I started seeing a man in 1992. He lived some distance from me and he used to come down at weekends. I was living in my council house with my 2 children. I was working part-time and claiming family credit and rent rebate. This…
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Taking from peter to pay paul.
It's over three years now since I split with my ex husband, it took me years of going to court to finally have the deeds to my home in my name with his name still on the mortgage and secured loan until I could indemnify him. I have lived on savings until recently with the help of credit cards and benefits as I have…
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Money Ssaving and Relationship Saving?
Hi Me and the OH are both struggling with paying off some debts, so we've really cut down our nights out and socialising to pay for it. Unfortunately, we're both really missing our nights down the pub/dinners out/clubbing and the like; and we're really getting really bored of staying in watching TV. So here's where you…
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MBNA are now chasing me by email!!!
It's true! They are! Got so fed up, I changed my home phone number. So now they are emailing me instead!!!! Easily done - I'm on AOL who block *anything* so added to spam list - I did reply though! "No. I will not call you. Please write to me instead. ONLY. In writing. The pen and paper stuff. Yes I know its a bit old…
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Damn, gone over my o-draft limit!!!
Shucks, just gone over my limit by £1.66, so now i'm probably gonna get charged £25 :mad: :mad: :mad: can anyone tell me where to find the info about claiming back bank charges? :D however, it's not gonna be a lot as for the last 3 years i've been writing down my incomings and outgoings to try to ensure this doesn't…
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Usefull Tips For Money Saving
Thanks To The BBC, Thought these might be helpful to some. Some good advice and tips here On your mobile phone, you can name/edit your profile name (which will constantly appear on your phone). Once you have worked out your budget for the month, place how much you can spend on yourself e.g. £200 on your phone. When you…
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asking for money
I recently did my neighbours friend a birthday cake for her daughter. Now the cake cost me £15 to make and allot of work went into it. I text the recipient and said I didn't know what to ask but the cake cost me £15 to make. She said she'd drop the cheque round at my neighbours but 2 weeks later and no cheque! I always…
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help!
wondering if anyone could give me any tips. basically heres the situation: my dad runs a small business with my brother, working 7 days a week, and making an average wage, but because of struggles beforehand, my mum and dad are in A LOT of debt with loans, consolodations, overdrafts, credit cards, catalogues, freinds and…
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Aargh! Someones Messing With The Matrix!
I was posting a reply to a thread and it suddenly moved from the DFW section to the Credit Card section. UH? The one from Dark Stranger about finding out his missus, "the stupid cow" had ran up debts of £10K Ok, I know she ran them up on a Credit Card, but it was more of a DFW subject, no?…
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Not sure what to do?!?
Myself and my husband have a car loan which has £7,500 outstanding on it with Capital Bank, and we're paying £192 a month for 60 months (46 still remaining to pay). We have no debts (apart from the loan obviously!), credit card balance is £0, good credit rating and we have a good joint income (approx. £50k per year).…
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How much have/will you spend today Wed 6/9?
Good morning folks Another day and hopefully many dollars!!! Mine has not started well as I just had to refund some tickets I had bought and the company has a policy with non refundable booking fee so I am £30 down :mad: Apart from that, I didn't bring lunch in with me today so I anticipate a spend of about £3 at lunch…
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Football Season Ticket Help Needed
Hello, Can anyone help me,my brother has a season ticket with Sunderland Football Club.He decided to set it up over three direct debit payments on an interest free basis he paid the 1st payment in June which was for 114.00 then the 2nd payment in july which was for 113.00.However he was made redundant shortly before the…
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Debt free distaster day
Do you ever get a day when you think the world is out to get you?:eek: Or at least the debt free gremlins! My day or should i say night started badly - have been following pigsback thread seems like theres some extra money to be made would go towards christmas at least. Any way I ahve been doing the comps and click…
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Fed up!
Hi, I've posted here once before re payplan. I was complaining that my debts appear to be going up rather than down. I keep sending my case officer emails asking why and get a standard response, obviously copied and pasted every time - "Payplan have no control over Creditors charging their clients interest and fee's. They…
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Experian Help Please
Hi, i decided to follow advice from lots of people on this site to run a free check on my credit rating on Experian. I have just received an email from them saying they can't verify me at my current address, which i have owned for 4 years. They want countless forms of ID put in the post to them. Has anyone else had this…
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Debts advice
Hello love the forum and the nice people here :) I could really use some advice... I have about 10 k of debt i need to work at clearing. I have a sporadic income as I run a recording studio so i need to beat those nasty interest charges that keep my progess stagnant. I also earn the odd sub 500 quid maybe once a month…
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i got my house (nearly)
i dont know if some of you remember but last week i posted that things were eventually starting to go right for us. i mentioned that we had found a ouse we were interested in that was in a popular estate and was at a bargain price. Well this last few days we have been home to look at a load of houses and this house was…
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Fed Up
Is it ok to just have a whinge?? Feel really low today. Debts are shrinking but it seems like they are just taking ages to go. Fed up with my job. Quite depressing just lately. Nomally quite a positive person but just feel so fed up with it all last few weeks Maybe its the end of summer thing usually makes me feel a bit…
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Monday 4th September
Not only is this date significant to me for two reasons (one of them being my birthday:beer: !!!) The other is my second lightbulb moment! I've had another one because during the past 6 months i've mananged to add another £1.5k to my debt :mad: . I am really ashamed of myself for doing this. Its no excuse but I think the…