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ready

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About ready

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  1. In my role it's a possibility a credit check can be made at any time. Better I do something than just wait to breach all T&C and then act I think. Plan to talk to them tomorrow.
  2. no, just email saying the rate was increasing and a new card was delivered. I didn't activate the card and sent a termination letter to stay on the existing rate.
  3. I'm confused, ask them to resend the letter I sent them in response to the email or resend the letter advising of the interest increase that I don't remember getting?
  4. They would have received it by the closing date the 6th of March but they have not acknowledged it and seem to advise that I should have made an online request. I didn't I sent it through the post, wish I had read it properly and not bothered with the letter and just sent an online message.
  5. Trouble is I know what will be offered and it will increase the term by at least 2 years, not very appealing. Then again at least it's an option. Then I have the hurdle of their response to an IVA not involving these accounts.
  6. Hi Gizmo, 24.36% total 9,500 = 1,500 overdraft, 7k loan and 1k credit card. I really didn't want to talk to them and flag myself up to be placed on the watched list. Looks like I have to though doesn't it?
  7. I don't remember receiving a letter, only an email. I wish I could do something, I've sent a letter, raised the issue, not activated the new card thinking like an idiot that they would keep the interest at the original rate and close the account.
  8. Egg began with this message:- We're making some important changes to your Egg Card agreement. It's important you understand what the changes below mean to you, so please read the following information carefully. A summary of the changes effective from 6 March 2009: Clause 3 - this change is to notify you that the new APR on your card is 26.9% (variable). Clause 4.1 - this change is to notify you that the new standard variable annual interest rate you pay on Purchases and Balance Transfers is 26.9% and for Cash Advances the standard variable annual interest rate is 26.9%. Claus
  9. Thanks so much for this. It is exactly what I was looking for, I can breath again. It not the debt with my employer that's the problem, I will be able to keep these in line, its the rest of it that's keeping me awake. Any tips on a good IVA company? or where to look or who to talk to?
  10. Some advise would be hugely appreciated. I am in debt for around a huge 39k. 5 creditors (24K loan, 7k loan, 1,900 credit card, 1k credit card, 2,300 credit card, 1,300 credit card, 1,500 overdraft). I do not have any property. The reason I am considering an IVA is because of my employment in banking. However the problem I face if that some of my debts is with my employer! Something else that may influence any possible agreements is that all of my debts are currently in order and have never missed any payments. My circumstances are about to change quite drastically. My
  11. On the subject of IVA, some advise would be hugely appreciated. I am in debt for around a huge 39k. 5 creditors (24K loan, 7k loan, 1,900 credit card, 1k credit card, 2,300 credit card, 1,300 credit card, 1,500 overdraft). I do not have any property. The reason I am considering an IVA is because of my employment in banking. However the problem I face if that some of my debts is with my employer! Something else that may influence any possible agreements is that all of my debts are currently in order and have never missed any payments. My circumstances are about to cha
  12. Sorry my error, it should be with u now.
  13. Egg began with this message:- We're making some important changes to your Egg Card agreement. It's important you understand what the changes below mean to you, so please read the following information carefully. A summary of the changes effective from 6 March 2009: Clause 3 - this change is to notify you that the new APR on your card is 26.9% (variable). Clause 4.1 - this change is to notify you that the new standard variable annual interest rate you pay on Purchases and Balance Transfers is 26.9% and for Cash Advances the standard variable annual interest rate is 26.9%. Claus
  14. Hi Omoeko, I've sent a pm to you.
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