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Yes totally agree with you, the majority reason is my partner had a very bad car accident in 2009 (uninsured drunk driver hit him headon on the a1 driving the wrong way) long of the short story is he had to replace 4k worth of disco equip so we have had to juggle and buy a new car, I mean the loan was for a van from 2009 which finishes in jan 2013 currently pay £150pcm. The sofa is on 0% so seemed like a good idea at the time to stretch it over so many months. Managed to get the overdraft to 200 just by tightening our belts this month. 1 Barclaycard is on 0% for another 18 months.0
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