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Online surveys
I've signed up to CIAO - I generally don't qualify to complete their surveys though :rolleyes: I'm also with Valued opinions. Who else should I sign up with? Also how do their payment methods work my accounts haven't gone up for a while despite completing a few surveys now.
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Debt Free Direct
Hi Has anyone got any information or experiences of this company?? Thanks for any help
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How to claim under Direct Debit Gurantee?
What are the magic words to say to your bank to get a refund under the Direct Debit Gurantee. Sky have overcharged me. When I had this problem before, the bank said it would take a few days as they would need to talk with Sky? I thought refunds were immediate under the gurantee?
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8.10am call from Littlewoods
I pity the poor woman who got me out of bed with her chirpy scouse accent at 8.10 this morning. I asked her to call back. She said they opened at 8 - i told her that i didn't. RUDE????? Not the word for it! I told her to call back - she then said she would pass it to a debt agency ... I told her to crack on ... Then she…
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Catch 22 situation with new job
I'm in one of those good news/bad news situations... I just got offered a new Job -- It's in central London though. They want me to give them a figure for a salary I want and they'll see what they can do. I'm earning 22K now but my living costs are so cheap here in Manchester. The extra money I get from the job will be…
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New and dont know where to start
Okay the lightbulb has been turned on. We have being spending alot more than we earn. We have 3 credit cards, 2 store cards and a few small debts. I am confused to which one to pay off the first do I start with the smaller ones or the larger debts. Any advise would be appreciated.:confused:
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FSA loan calculator
I happened to come across this loan calculator, showing the interest etc for loans at different interest rates. I've not seen it mentioned here (but apologies if it is old news!), so I thought I'd post it in case it helps anyone get a better picture of what their options are.…
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Need help desperately
I'm a single mother with debts of £12854.82p. The breakdown is as follows with the interest rates and limits in brackets HSBC Overdraft 1730.65 @ 15.9% HSBC credit card 4662.14 (6660.00 limit, 15.9%) HSBC Flexi loan 2347.77(15.9%) HSBC Personal loan 4114.26 (7.9%) - this also includes a PPP which I stupidly signed up for…
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Tried to close my NEXT account!!!!!
Hi Okay so this morning i called Next and paid off my final amount!!! :j :j I said as i was paying off the money i would like to completely CLOSE the account. The women on the other end said (in her own words) 'Next do not close accounts(!?!?!?!?!?) We put that you dont want another catalogue or any mail shots, and if you…
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IVA Annual review + DFD
Hi there If any of you are in an IVA with DFD can you tell me what they require from an annual review? On our terms and conditions it is written they need 12 months wage slips and P60's, they don't mention bank statements but I'm assuming they will need them too as otherwise how do you prove your SOA are correct???? Also…
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TahDahhhhhhhhhh
For the first time in about three years, my debt is below £2000! See, it is possible! Thanks everyone who helped xxx Kat
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Jesscats Debt Diary
Errrr, not really sure where to start as not really sure how these forums work, and theres that much information on them its a bit overwhelming for a complete newbie :confused: To give you an overview I realised today that im around £36000 in debt, I knew it was bad but as I can usually pay my minimum payments I havent…
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Bankruptcy - Employment Implications
We are scheduled for a bankruptcy hearing on 23 October (a lifetime away, it seems) and one thing is still unclear - will I lose my job? I am a restaurant manager; the bankruptcy form states that directors/owners of companies, and those involved in the managment of comapnies/businesses are affected. I assume I count among…
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Anyone heard of Clear Start?
Hi there, Has anyone heard of this company? My OHs mother wants to do an IVA. Both CCCS and Payplan have said that she can only do a Debt Management Plan not an IVA. I am concerned as she is now going with company who say she can do an IVA. https://www.clearstart.org Why would the others have said she can't? And are Clear…
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7 Days a week
Am working 7 days a week to get rid of my debt....am tired....but it will be gone soon....only a little way to go.... zzzZZZ
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Going Over your Overdraft By 1 day (£1.20) - Affect credit rating?
I paid a cheque into the account and I mis-calculated when the cheque would clear. My Account is now £1.20 over its authorised Overdraft due to a direct debit and will be for 24 hours as the cheque clears tomorrow. Will this affect my credit rating and will the bank issue a fine? The bank is Abbey. Many Thanks. I'll ring…
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Being Financial Linked
If you had a mortgage with someone and also had a joint bank account with that person but paid off the mortgage and closed the joint bank account are you still considered to be financially linked to that person? If not, how long does it take to be unlinked to that person?
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Question bout an old debt.
Hi About 4/5 years ago I got a loan via 'Virgin' whose associate was MBNA, at the time I was living at a differant address I am now. when I moved I informed everyone of the change of address,I have moved a total of 3 times since then and thought it strange how this company failed to contact me the 1st time I moved, either…
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Sunday night Buffet at fat Mikes place
Howdy all, I havent hosted an eveining this weekend. I have been so so lazy, eaten everything in sight and feel massive tonight, We are gonna finish the weekend with a light buffet and ive a bottle of vodka left that needs drinking. Going on a health fad tomorrow, (simply means NO BEER!) I need to loose a stone in 3…
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Need some ideas for keeping track.
Hi folks. I need some ideas to help keep track of my financial situation. At the moment I have got excel spreadsheets and I am finding them a right pain in the butt to be honest. i am a web developer, so for me, I will be building my own application. I have this basic excel spreadsheet, 2 columns, payments and spendings.…