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loans vs cards
i need to raise some extra cash and i'm unsure of the best way to do it. is it take out on a cc then transfer balance ??? ::)
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help 1st time user - loan V credit card
Wonder if anyone out there can help. Iwant to borrow £6,000 for home improvement and don't know what is most cost effective way of doing it. I have a balance on barclaycard for (2,000)0% until August but don't want new spending on this. Could add on to mortgage which is currently fixed rate until May of 3.9% but will no…
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Just an update on my situation
Hi all I posted here about a month ago asking for advice (my user name then was circyn, but I can't access that account for some reason). I've got huge debts after leaving an abusive relationship a year or so ago, then attempting uni and having that going wrong because I ended up in hospital with some wierd never actually…
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First National Loan Problems
I have had problems with a loan from First National. It was for 9 months interest free. the amount £799 to be paid by March 2004. I received a letter during March informing me the account had been paid in full and the account was clear. I thought my partner had paid the account using their credit card and vica-versa. It…
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Debt Management Problems
Having just got married, I find that my gorgeous wife has a few debts. The credit card ones are being sorted but, she is still paying a debt mangement Company `Chiltern`. Is there any way of moving this money else where to pay it off quicker?
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swap cahooot flexible loan to fixed rate to save
i see that with cahoot u can swap around i have a flexible loan with them with is 7.7 apr at the moment but it i swaped to a fixed rate it would be 5.7 am i better off doing this?
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council tax bailiffs
Hi there ...I am in debt with my council tax and it has been passed on to bailiffs....i let one into my house to sign a piece of paper then he ask what good i have just in case i dont keep up with the agreement so i told him what i had .......two weeks later i got a letter saying they woundnt accept my payment offer so i…
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overdraft and credit card debt
Hi i have a £4000 loan a £2000 overdraft and a £3500 credit card debt, my loan is with IF on 7.9%, not to upset about that, my credit card and overdraft is with lloyds at no reduced rate i think i pay 14.5% on my card and i dont know about my overdraft. i know it costs money each month because i normaly go over it and i…
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credit problems
I'm worried about applying for any credit,including changing bank acounts. My spouse was declared bankrupt nearly 2 years ago, but any time I try to apply for a new bank account, I have to read a long spiel about checking reference agencies and including scores of anyone financially linked to me. It scares me off every…
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HELP- Bad credit and bank accounts
Hi, I have 2 defaults on m y credit history and am trying to get a bank account. Now I need a debit card, BUT cannot get a current account (have tried) I found this web page - http://www.creditsolveuk.com/bankaccount.htm Who say there are accounts I can get with a debit card BUT want £40 for this info, does anyone know how…
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Current account..is it hard??
Hey, I have a HSBC current account which I have had for about 6 years now. Anyway, 2 years ago, I decided to get a new one, but was turned down for two. (Alliance and Leicster and Nationwide), so gave up. Are any companies easier to get a current account with than others? I have a loan with HSBC, so would this be a reason…
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0% loan until 1st March - stoozing alternative?
According to todays Sunday Times Cahoot are offering a loan up to £20,000 at 0% until March. There are no penalties for paying it off early and the minimum monthy repayments are only 1.75% (£50 min). This compares favourably with credit cards used for stoozing, athough the interest free period is only 5 months. After the…
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Copy of your credit score for £5.00
All Somthing which some of your may find useful - i did. I have been sent the following offer from experian which gives you information about your credit score and what you can do to improve it. This costs £11.50 on the website but using this link you should be able to obtain you credit score for £5.00, remember that this…
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How much interest would I make!
Hi. I don't really know how I would correctly work this out, can anyone help please? If I was to put £6000 into a childs savings account at the building society for 6 months paying 4.85 AER. how much would I make after six months then paying the credit card off when the introductory period expires! Would I work it out as:…
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Negotiate a settlement
Hi, I got my debts paid off this week. I'd been paying them for a year then I moved and never let the collection firm know and so I stopped paying. I'd been worrying about it ever since but the longer I left it the harder it was for me to contact them. I thought as soon as I let them know where I live they'd be around…
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Remember I said girlfriend was pregnant..
Ieuan Thomas Evan Davies Born 06/11/2004 07:49 Weighing in at 7lbs 10 1/2 oz!! Beefcake!! hahaha
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My financial situation - where can I cut back?
Hi All After posting about the depressingness of debt here, I was encouraged by some very nice people :) to post my debts and outgoings here to see if anyone can help me shave a few £££ off my outgoings to help me pay off my debts sooner. I'm rather nervous about doing this as I've forwarded the emails to friends and…
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Any heard of ....
what is the verdict on CentralCapital, they have offered me a way out please look at threads on End of the line cont...
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End of the line (merged)
Hello people, I was hopeing you may be able to help. I/we have slowly over the years amassed a debt of 25K with credit cards (MBNA cards 2x cards- 9k and 6k), a consolidation loan of 10k and other stoe cards etc. With one of the MBNA cards I pay off 130 per month and they charge me £135 in interest! In total I take home…
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Best place to finds a loan
I am in desperate need to consolidate my exisitng loand and credit cards. need approx 25k who in your opion would be the best loan comapny to go to. I need to reduce my outgoing ASAP in order to get back on trackat the mo i have about 1500 going out looking to reduce that to about 4-500 hundred. I am 35 have a 2500…
