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The best way to approach things...
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meant to say if you look at my previous SOA, I put in £450 and my OH puts in £500 per month to a joint account, this covers everything we pay for the house, bills, insurance that kind of thing.
The credit that I have put a zero payments against, I haven't paid anything to them for a year or more and this is why the DCA's have been chasing me.
I'm not sure of the APR's for my current cards...0
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