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A small, increasing debt - best plan?
Hi. I have a free graduate overdraft of about £1,250 which is ending this month. For the next three months I anticipate my debt increasing by £20-£40 each week, as I am doing some unpaid work experience and my part time job does not cover the bills. This will lead to a total additional debt of £240-£480. I was going to…
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Keeping the boat afloat
Our family own a motor boat, a modest sized sea going cruiser. Not a great money making project I know, but we have always had a boat and she is our third boat in 20 years of marriage. Our children have been brought up in a boating family. Our boat was built in 1986 and is the last known survivor of a once proud boatyard…
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How to Transfer Loan to Credit Card ?
Dear All, I am a student graduating this summer and I was hoping for some advice on how to handle my student loan. I currently owe £15000 to the bank payable at an interest of 1%+BLR. 1. My first question is, how do I calculate my interest rate. Taking 0.055*15000*12 doesn't seem to give me my interest per month. As the…
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Pay off which debt first?
Hi guys - some advice please... I have an Abbey loan with approx 6,900 left to pay - paying 240 per month - interest set when loan started - 6.5% which is added to the total - so would I save by paying this off first or not? Settlement amount is not much less than outstanding amount... Also have credit card with approx…
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Opinion on best unsecured loan?
Looking to borrow £6000 - £6250 as a unsecured loan with no insurance protection, looking for a fixed apr and no early repayment penalties and even the option to overpay if funds allow...any opinions would be greatly appreciated
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Card and loan payment protector
:o Can anyone help, what is is best to do?? I had been unemployed for a little while, so claimed on the above subject, and all was going well..........untill i regained unemployment after 8 months of being a lazy !!!!!!, then the job i had next didn't work out and ended up losing it and put a claim in again for the payment…
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HELPING EACHOTHER HELPING OURSELVES! EASY, L
** No Pyramid schemes please - Edited by Mod2 **
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offsetting loans
I currently have a £7000 loan with https://www.if.com and am 18 months into the loan and its nearly paid off due to overpayments etc when i could afford it, i off set the loan with £3500 savings on an apr of 8.3%, i am about to renew loan to get a new car and want to borrow £6250 but note https://www.if.com for offsetting…
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Should I go to the financial ombudsman?
DOnt know if you've read my other thread on here, so here;s a summary of the situation: I had a loan with Egg from the year 2000, someone somewhere stopped my DD to Egg, and my account is now with a debt management agency to pay the money off. Basically i got no confirmation that the DD had been stopped, and I certainly…
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Bad credit need loan wish to clear debts fast.
Hi I need a loan of between £6,000 (minimum to consolidate debts) and £10,000 (maximum to give us breathing space). We have poor credit history and are soon to be starting afresh we are trying to find a sympathetic ::) lender who will consolodate all our debts into one low repayment so we can clear them as fast as…
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Paying off overdraft help
Any advice welcome! I have a 3K overdraft to pay off. I earn just over £8K pa. I have been using a budget spreadsheet for years and I stick to it. I got rejected for a credit card and daren't apply for another. I do have a credit card with zero balance. I used to keep money in a "savings" account for big one off payments…