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banking from abroad
can you please tell me why i can't open an english bank account when i live abroad? i am a british citizen, my pension is paid direct to an english account and i pay british tax. all i want to do is open a new account to transfer money cheaper to france.
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Default on Credit Cards
Hello, A friend of mine was telling me earlier that as credit cards are unsecured loans there is no legal obligation to pay them back, so long as you are prepared to be credit blacklisted for however many years it is. Being a student with a good credit rating but no hope of buying a house for decades, could anyone…
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Loss adjustors
Please can someone advise how I delete this? Did it in error and I can remove it!
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suing banks re switch over nightmare?
hi iIrecently decided to swtich bank accounts then changed my mind. I called the bank shortly after to stop the switch they said they would and I received a letter saying the swicth had been cancelled. Next thing I know my rent has not been paid, all my direct debits were wiped and I am now in the process of apologising to…
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Any advice gratefully received!
Hello! I've asked a similar question before but have confused myself! I've just managed to get 0% BT for 19 months Barclaycard and have made one transfer from Santander card. I'm also thinking of doing the following but don't know if I can- please advise! Pay Next balance with HSBC card (currently empty as I've just asked…
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Welcome Finance
Hi there everyone. This feels very strange as i've been reading posts on here for what seems like ever!! So let me take small steps and start with what i feel is my biggest money problem as of today!! What do people know about Welcome Finance?? I have a loan with these guys and after struggling and falling behind for a…
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Is this legal?
I had an idea to turn a 0% on purchases card into a 'super balance transfer' card, but im highly concerned that it might constitute fraudulent behaviour! Please let me know what you think, as I wouldnt touch this if it was at all outisde of the law. Steps 1) Set up a website with an online payment facility (this can be…
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Are there any fast stooze options available at the moment?
I'm currently slow-stoozing and finding it a great wheeze.... however I am quite impatient, so I was wondering if there were any fast-stooze options available at the moment? I have already done the M&S travellers' cheques route, but is there anything else? I appreciate that the M&S card could be used as a mule, but with a…
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What debt-to-income ratio can you reach before CC providers start refusing you?
Question's in the title, pretty much. I realise that there is not a fixed ratio which all providers will subscribe to, but assuming an otherwise good credit history can anyone suggest a ball-park figure? (I am of course talking about the availability of 0% purchase/BT deals suitable for stoozing, not sub-prime CC…
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Will this work?
Hi, Im new to stoozing, and I want to use the process to clear some debt (approx 5x my monthly disposable income in the form of graduate overdrafts that are about to start accruing interest) and stick some money in an investment ISA. I had trouble getting a virgin money card about a year ago due to my lack of credit…
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5 late payments on credit file.... Please help!
Hi there, I am looking at buying a new house soon with my partner so I have checked my credit file and there are 5 late payments on my file from Barclaycard! I believe these are not my fault and was hoping to get them removed. Firstly let me explain why they have been put on my credit file. After transferring a balance…
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One bill - Bill Management
Can anyone help or advise..... a friend gets paid weekly and is struggling to meet his bills on time as they all go out at different times of the month. Can anyone recomment a One Bill Management Servise whereby you pay a fixed amount each week/month and they pay all your bills. Not sure this is the right way to go but…
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Lloyds
Hi I've been trying to get a copy of all my credit card charges. I bank with Lloyds TSB & have done so for 4 years. They have told me this will cost me £6 per statement. I then told them that they're obliged to give me a list of all my charges under the data protection act for £10. They this wouldn't include all my bank…
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Estate Agents have withdrawn our property from the market
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beds and mattress on the market and were to buy them from
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Which Credit Card - Honeymoon & 0% deal
Hi people, I'm looking for some help if possible. Some background info. My fiance and I have a relatively good credit score, I have 1 default on my record from just under 6 years ago (expires in July), my Experian score was 940 last week. We both have 1 credit card each which we use and pay off in full every month. We I…
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Credit Card Transfers
Being retired is it possible to transfer a credit card balance to a 0% card, and which one?. as within 12 months i will be a position to clear the presence balance.
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From CC to bank account?
I have a couple of grand limit on my card and partner has about the same on their card. Is it possible to put a couple of grand in my bank account from my CC, then in about a months time (before interest due) pay it off with partners card? By the time payments due hope to have cleared it from earnings?
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Virgin Money CC - money transfer/SBT
Hi guys, Confused a bit. Spoke to someone at Virgin Money to enquire about their CC. Going via MSE link (confirmed on phone) you can get a BT fee of 1.5%; customer service rep says SBT (money transfer) to current account is charged a 4% fee while on the stoozing.com site, they say the SBT fee is 1.5%. Who's right? Ta…
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26K unsecured loan
Hi, I'm a newbie to this site but need advice - please help! I have 26k of unsecured loan and 37k of equity but cannot remortgage for 2 years. The 26k is at 9.89% interest costing me £250.00 per month Do i try to get credit cards on 0% and spread the amount - if so, where do I calculate what the repayments would be (I…
