Sub Prime Credit Thread Part III

cifpower

doelani wrote: »

you'll be taking advantage of all those £1 flights then lol

Oh God no. Can't abide Ryanair. I mostly fly to Birmingham so it will help me with the charges Flybe applies.

doelani

Ahh forgot about flybe lol all helps the price when no charges .


Only flown with ryanair one , last year dublin to spain, it was ok.

fairmorn308

hello everyone.

Its hard going out here in norway not to spend money cause this are soooooo ££££ it isnt helping me clear my debts. am here for another 10 days then home for 11 days then back out here for 28days which am going to set myself a budget into my other account and use that while out here. only way i think.

Also I have a default with capone which is due to end in Nov this year but i have never paid the balance. Will this default still be removed once the 6 years is up even if its unpaid

Another thing guys, I was looking at my MBNA statement and doesnt give my APR for the card just the monthly rate. Does this mean i would times that by 12 months to get my yearly APR for the card cause am not sure of the APR.

doelani

fairmorn308 wrote: »

Another thing guys, I was looking at my MBNA statement and doesnt give my APR for the card just the monthly rate. Does this mean i would times that by 12 months to get my yearly APR for the card cause am not sure of the APR.

yes just multiply it by 12.

CannyJock

doelani wrote: »

yes just multiply it by 12.

Close enough for most things, but because APR is compounded it's just slightly more.

If you want the exact number, try this calculator to convert monthly to annual (and vice versa) : http://www.stoozing.com/mon2yr.htm

fairmorn308

works out to be around 18% seems ok 2 me. think will keep the card then when i was going to close it.

seeya23

good afternoon to all
just had sky hd put in today im on a bit of a high had my lithium been put up today now im on 1000mg a day now

DanDan123

Hi!
I applied to Egg last Wednesday eve and still havent heard anything from them.
I called them on Friday to ask about my application, and they said its still with them and a decision hasnt yet been made.
Today is the third working day, and at the end of the application it says that they will respond within 3 working days. Does anyone think that the time they are taking is a good or a bad sign?
Will they just notify me in my online banking with Egg?
Do they send an email when i have a message?

Thanks

PARIS_5000

fairmorn308 wrote: »

hello everyone.

Its hard going out here in norway not to spend money cause this are soooooo ££££ it isnt helping me clear my debts. am here for another 10 days then home for 11 days then back out here for 28days which am going to set myself a budget into my other account and use that while out here. only way i think.

Also I have a default with capone which is due to end in Nov this year but i have never paid the balance. Will this default still be removed once the 6 years is up even if its unpaid

Another thing guys, I was looking at my MBNA statement and doesnt give my APR for the card just the monthly rate. Does this mean i would times that by 12 months to get my yearly APR for the card cause am not sure of the APR.

A default paid or unpaid will be removed after 6 years but they can still issue a CCJ.

fairmorn308

what do you think they will do? they did remove the Default but issued it again when i lost my case againest them for reclaim bank charges but am going to file another one.