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so angry with HSBC
they have charged me £50 this month for going over my overdraft twice. the only reason this happened was because i am transferring my account to first direct (to get the free £50 - wasnt really worth it, hey?!) and my direct debits are a bit all over the place. as soon as i realised i was over my limit, i transferred money…
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Quick Snowballing Question..
Hi All Just a quick question that I would appreciate your opinions on. Now I've cleared off the cc I can afford to throw about another few pounds a month at debt repayments. They are as follows: Tesco Loan 6.8% APR total balance remaining £2940 Mortgage approx 5.8% APR off the top of my head remaining just shy of £76500.…
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Sending my letters off today ...
As the title suggests, sending the pro-rata letters off to each creditor - fingers crossed they accept it though I'm well prepared for them to say no. What has been other people's experience of how long they take to respond?
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Student Loan Company debt
My girlfriend has a student loan of about £4600 and is currently, and for the short term future at least signed off on incapacity benefit. We're in the process of moving her £1100 HSBC overdraft onto a 0% Abbey credit card but were wondering if theres any better way of managing the student loan? Is there any way they might…
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Scary Stuff!
We're clearly not spreading the MSE word! :eek: http://www.creditaction.org.uk/debtstats.htm
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Credit File advice
Hi All, I'm currently trying to get our finances in order and making good progress to clear a number of debts etc. My credit rating/file though is not good and I'm trying to rectify. I understand I can add a note to my file which I intend to do to a default notice - now paid. I have another account in default - still…
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Quickie balance transfer question
Hi We've just got a new cc at 5.9% lob to transfer some of our cahoot loan on to. Have egg money so know how to do it but just wanted to check - they've given us a £3k limit - can we max it out up to that limit with the balance transfer? If so, the first minimum payment will be £60 and the interest would be approximately…
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A quickie from me relating to claiming back bank changes
Can I also claim back th £3.50p a time theyve charges me for using a cheque? Also called a convience cheque fee? I suspect not but I thought id ask
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Uh Oh - Major Relapse
Ok - so after work tonight my boss ask if I wanna go to the pub for a couple of drinks... we would be meeting a couple of our other mates and I had a bad feeling from the start. Anyway we went to the pub at 5:30pm - one drink soon led to another and 7 pints later we were all feeling a little tipsy. It was at this point…
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No going back
So, today is my last day in this house. Tomorrow we move to the rented house. I have estate agents booked for Friday to do the valuation and hopefully we will be going on the market soon afterwards. I feel ok about it, a bit nervous, but that comes with change I guess. I do know that I will be so relieved to see the last…
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Morning all
finding things harder this month, all because I had some extra money. Why is it the more you have the harder it is? DG
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I'm sinking even more!
I am now £200 over my overdraft (£1900) going to get stung for bank charges! thinking of withdrawing money from my other credit card to put into the account to buy us some time as i get paid on friday but then it will all go out again and i will be past my overdraft again. it's so difficult only having one income
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Bailiff Charges?
We have bailiffs coming round tomorrow (or sometime after tomorrow), in relation to outstanding Council Tax. We have not previously allowed them into the house and they have not previously been able to gain ‘peaceful entry’. The Notice we received from them today stated an outstanding amount owed which seemed excessive, so…
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Debt Collection Agency?
Just wondered if anyone has encountered a company called Henderson Booth and Snell in Manchester. Are they a DCA? Cheers Tag
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Student Loan and housebuying...
I have a student loan that I finished taking money out of in 2002. Since then it has been generating interest at about £11 a month - the total is about £6.5k I now have a job where I am looking to save as much money as possible to buy a house. I currently have an ISA saving of about 3k and other savings of about 2k. Since…
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Cheque Garentee rules
I issed a cheque for some petrol and used my garentee card - the cheque was printed inthe machines they have with the card number on the back. the cheque went through my back yesterday but I was short and this morning I noticed that they have returned it and charges me £25 for this. I didn't think they coudl return…
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Useful - free online training on Excel's financial formulas
Hey all I have been taking advantage of some of Microsoft's free online training whilst I am off work as I would like to become a spreadsheet whizz (sad or what!). I came across this training package that will take around 50 minutes to complete and promises to teach you: Learn how to use Microsoft® Excel formulas to figure…
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Advice
Have I done a stupid thing?? I recently had my lightbulb moment, and realised I had to much debt. I told my mum the level of debt I had and she was gobsmacked. she has offered to take a loan of £7,000 out for me at a rate of £152 a month to clear as follows: natwest credit card: £3,500 17.9% natwest overdraft: £2,400 18%…
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Excel Budget Planner - Where can I get one that works
Hi can someone offer me some advice I have now purchased my spending diary and wanted to know what you do with it at the end of each month?. Have read learning-to-drives thread and tried to open the monthly excel budget planner in that but it comes up blank any guidance on where i can get a copy. Many thanks - Lilacbrook
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what have you spent today, Mon 10 July
£125 without leaving the house - beat that! (new sensor for car, fitted by mobile auto electrician)