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Unknown territory on the debt front
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            Haha its great. Something so liberating about being in credit especially over being OD for so long. 
 The thing is you actually save money by stopping using an overdrawn account and opening a new 1 as theres no more bouncy dd's because you didnt have enough money due to paying last months fees for going over your overdraft limit to pay those dds which bounced anyway and incured £12 fees for late payment etc etc etc and so on month after month.0
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