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Can you pay credit with credit?
I have a loan with a ridiculous interest rate (15.9%) and I want to move it to something with a cheaper rate. I have fairly good credit score (870) and the balance is about £5700. I was thinking of trying to pay it with a 0% card like the post office one, but I don't know if they'd give me that kind of limit. Also I don't…
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Is this behaviour dumb?
My OH has told me that one of the things I do each month is anti-DFW & dumb. Each month on the 1st I put £200 into my ISA until the point in the month where I run out of money & put £100 back in drips & drabs (the rest is the monthly budget for quarterly bills) His pov is that the ISA is 5% whereas the o/d is 14%. So i'm…
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Do you think there are any....
....users on this forum who HAVEN'T signed up for the free tips email? If so.... Sign up now, it's ace! :)
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Advice Needed!
Hi there, I am new to this site and was looking for a bit of advice with my debt problems! I am currently paying out around £500 per month to different companies for loans, credit cards and other sorts of finance i have borrowed. Can any one suggest a way of either consolidating all my payments and reducing them without…
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turned down shock....
Just wanted to be honest.... and vent Am stunned but what another wake up call tomake sure me and hubby get our debt under control... We have decided to sell our letting property (even though it will loose us £4000) in tie ins on the mortgage to get out of debt before baby is born it will clear all our debts including a…
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help registering for this site
i cant remeber how to do it, i have registered my mum but do you have to confirm by email? :confused: i cant remember :rotfl:
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Get your own back on those who chase you on the phone.
I uaed to get calls on my phone hassling em for moeny etc and at the time used to get really stressed where as now with the help of this forum can handle them much better and put the onus on them to help me but what about getting an 0870 number which is quite cheap and giving that as your new contact and get paid everytime…
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My new SOA - any thoughts, slowly getting better!
Okay, so here's my revised SOA... First posted one a few months ago so want to know where I can cut down more... Incomings currently: My wages (on maternity pay) £404 OH's wages £372 Tax credits and child benefit £900 TOTAL: £1676 Outgoings: Rent £395 (shortly to go up to £465) Nursery fees £332 (shortly to go down to…
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Claiming bank charges Lloyds tsb
To reclaim Bank charges from Lloyds Tsb, where do you need to send the first letter too? Does anyone have any info on this, I am about to post the letter with the £10 fee asking for all charges on my account to be sent to me. Thanks Michelle
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1st Mystery Shopping Assignment goes pearshaped - will I get paid?
I've done mystery shopping before but only recently (thanks to this site!) signed up for it again. Anyway I had an offer of an assignment - which had to be done today -which I accepted. However when I got there, the shop was closed - and it appears that they don't open on Saturdays. So will I get paid do you reckon?
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some advice please folks
hi guys, on 31st of july i sent off my first letter asking for my bank charges back. i received a stadard type letter from them on the 3rd to say that they were sorry i was unhappy blah blah blah and my complaint would be dealt with and i'd hear back no later than four weeks. exactly four weeks after this letter was sent i…
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DCA Query
Just a quick question, if a company passes on your debt to a DCA, do they have to formally advise you in writing that they are going to do this or can they just pass your details on?:confused:
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What will your SOA be like?
I've been thinking of 2008 when we are debt free. What things would you put on your SOA that you currently make little or no provision for? for us, it will be over payments on the mortgage, pensions (which neither of us have at the moment so we'll be paying large chunks in to one then) and a rainy day fund. Hmmm, that'll…
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A Word of Warning to Us All (long)
This is a long and dire warning of how not to bring up your kids. Today I went to visit a friend. She has three children and her kids have grown up alongside mine but they have been brought up very differently. Hers have had a very respectable but quite hard upbringing, having to do regular chores. No pocket money, few…
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How much have/will you spend today Sunday 3/9?
Good morning guys and gals :wave: Another gloomy day down here. Although we braved it and went out yesterday, I feel like snuggling under the blankets and watching DVDs and TV all day today. With the essential hot chocolate of course ;) Food shopping was a success yesterday and hopefully I'll do the pork some justice with…
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How has this board changed your life?
Just thought I would see how much people have been helped by sharing experiences or getting encouragement from like minded individuals. Personally I am now far more determined to be debt free, I have a budget that works and know exactly what is going on with all of my bank a/c, c/cards and loans.
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Cookers broken and I am thrilled!
Right, this might sound mad as our oven has completly died the death. However, my husband's reaction, and he loves cooking, was to say well we won't be getting another till we've saved up for it. It's the microwave and hob from now on. He's had his lightbulb moment! Yeahhhhhhhhhhhhhhh!
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B/Card Visa Debt
I will try and keep this short and hope that I might get a genuine helpful reply please:) OK I have a Barcalycard Visa worst luck, I owe 7,800 pounds on it and pay back 154 pounds a month I am never going to be able to pay it off in this life time, the situation is this does anyone know if Barclays will allow me to pay…
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Which direction to attack the debt? Advice please :)
A few years ago, we were in major debt (over £30,000, plus small mortgage), but we managed to clear it with some serious renegotiations (thanks to the CCCS help pack) and the (unrelated) sale of our house :j We've kept things under control since then, until the last few months - a couple of store cards taken out with the…
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Question regarding cahoot account using Quidco
Is this an account where I have to pay a minimum amount into each month, e.g. my salary? Once opened and money tracked through quidco would I be able to cancel it as I already have an ING savings account and a current account or is it worth keeping open? Sorry for the silly questions, thanks for reading