We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Number of Agreements-Equifax.
Options
Comments
-
Dandytf said:Prob EV which if succesful could be my last vehicle,
With limited resources available and the low (<1k per year) mileage you do, any idea of running a private car is financially illogical.1 -
eskbanker said:Such rational and conventional thinking doesn't apply on these threads!
https://forums.moneysavingexpert.com/discussion/comment/76872105/#Comment_768721052 -
Dandytf said:Not Essential, not on Credit either.2
-
eskbanker said:Dandytf said:I have my own thoughts on 30%'s OD's
'Setup to 'Save' everyone 'Millions' 😕 in OD Charges!
Aka....Reclaiming via Excessively High OD Interest Rates.
thanksReplenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb0 -
Qyburn said:Dandytf said:Not Essential, not on Credit either.
What Does help is Consideration of Longer Term Agreements, to ensure shorter Terms don't Exceed longer Terms.
Current Tech is as required, in use Daily.
Longer Term continue, though missed early opportunity to Overpay windows Agreement, Excellent Credit providers website, Which Actually shows Overpayment Calculator, which t.b.h. Every Credit Card/Loan/Finance Provider should offer, which isn't always avail.
thanksReplenished CRA Reports.2020 Nissan Leaf 128-149 miles top charge. Savings depleted. VM Stream tv M250 Volted to M350 then M500 since returned to 1gb0 -
Google translate isn't as good as it used to be, is it?4
-
Dandytf said:Dandytf said:Qyburn said:Dandytf said:Not Essential, not on Credit either.
What Does help is Consideration of Longer Term Agreements, to ensure shorter Terms don't Exceed longer Terms.
Current Tech is as required, in use Daily.
Longer Term continue, though missed early opportunity to Overpay windows Agreement, Excellent Credit providers website, Which Actually shows Overpayment Calculator, which t.b.h. Every Credit Card/Loan/Finance Provider should offer, which isn't always avail.
thanks
If you had a "lightbulb moment" you would go to the debt free wannabe pages and post a full and honest list of all your debts, the relevant APR and your income / outgoings and that might be the wakeup call you need to see how your finance is unsustainable and how you need to stop putting money in what is effectively gambling (A S&S ISA etc) that you can't afford and pay your debts. At some point you'll end up in another DMP or worse and then the cycle can begin again in a few years.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
1 -
Dandytf said:
My recollection is that the 2020 change in overdraft charging was intended to simplify the regime and to eliminate the differential between unarranged and arranged, reducing costs for the former, rather than to reduce costs overall, but interestingly the FCA (as close as it gets to an 'official' source for financial matters) claims that the impact has been positive by about £1bn:
https://www.fca.org.uk/news/press-releases/millions-customers-together-save-nearly-1billion-due-overdraft-rule-changes
1 -
eskbanker said:Dandytf said:
My recollection is that the 2020 change in overdraft charging was intended to simplify the regime and to eliminate the differential between unarranged and arranged, reducing costs for the former, rather than to reduce costs overall, but interestingly the FCA (as close as it gets to an 'official' source for financial matters) claims that the impact has been positive by about £1bn:
https://www.fca.org.uk/news/press-releases/millions-customers-together-save-nearly-1billion-due-overdraft-rule-changes2
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244K Work, Benefits & Business
- 599K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards