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    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
    • Post #9 suggested some options to avoid or put off having a smart meter. Post #12 a simple solution to your complaint about the ay they handle fixed monthly DD. It's not really clear why you posted if you're going get irate when members "jump in" with suggestions. You can see what I'm referring to on "gasracker.uk" to allay your suspicion that I was lying in Post #16 which was made to correct ther misinformation shown in your Post #15
    • Back to octopus from the smart meter/tariff salesperson. Octopus have now said just ignore the letter - I dont have to have one despite there letter implying (at least) it was required, but that i will HAVE to have a smart meter if current meters stop working as 'their suppliers dont supply non smart meters any more'. They also say they do not/will not disable any smart functionality when they fit a smart meter I am of course going to challenge that. Thats their choice of meter fitter/supplier problem not mine
    • Point taken that we should inform new Caggers that the £20 option is there in wrong registration cases.  Well, supposedly there, who knows what the PPCs would do in practice.  Anyway, the option is allegedly there with both the BPA as you say, but also the IPC (I've just checked). However, there's a danger here of baby, bathwater. The two easiest types of cases to win are (a) residential - due to Supremacy of Contract and (b) wrong registration - due to "de minimis".  Indeed until recently we has been boasting that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing. We simply can do nothing about a terrible judge.  The judge seems - I say seems because we haven't had all the details - to have ignored "de minimis",. got fixated on a sign and awarded unreasonable behaviour costs.  A totally bizarre judgement.
    • You mean your witness statement 
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credit card advice


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Hi everyone. Just wanted to see if anyone could give me a bit of financial advice or opinion, not sure if anyone will be able to but thought i'd ask anyway!

 

I currently have about £5000 of debt on 4 different credit cards. I'm managing payments on these and have been for about 2 years now since i've settled down a bit! i currently pay each month about double what the interest is and this is the maximum really that i can afford at the moment. The problem is the interest as they range from 16% up to about 25% apr on the worst one. Anyway i've tried a few different ways to improve my situation that i read about on another site but had no success. The first thing i tried was transferring (some of the) debt onto a 0% card. My credit rating is currently fair so i tried applying for a card that was recommended for someone of my status - i was rejected!

 

The second thing i tried this morning was ringing up one of my existing c.card's to ask if i could transfer a balance onto another of their cards. I read that you might be able to transfer a balance from another card and you get a rate of about 6% (as an existing customer). Anyway, the call lasted about 30 secs he said 'i'll see what offers we have on today', then basically said 'no' and that was that! I tried a loan as well about 6 months ago but the one they offered me was ridiculous like a £1500 loan and i'd repay something like £4500 back, i laughed at the woman on the phone.

 

Really i want to know if anyone else has any ideas or advice, maybe youve been in the same situation. I'm trying to improve things but its frustrating as can't seem to get anywhere. Thanks in advance.

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It is frustrating when you realise the time it will take to repay the debt but you are doing well if you are paying double the interest each month. Personally I would concentrate on the smallest debt first and get rid of it completely. Then you can concentrate on the next biggest and so on. If your credit rating is preventing you transfering to another card there is not much more you can do until your rating improves.

I hope someone else will jump in with some more useful advice.

Good luck:)

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The usual advice is to pay as much as possible off the card with the highest interest rate first and pay the minimum on the others until the highest rate is paid off.

 

Also, if you keep applying for loans/cards etc. it wil impact negatively on your credit rating.

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cheers for the advice everyone. I'm gonna do exactly what you say steve and pay off the highest interest rate card first and pay the min payment on the others. The way i worked it out i'll have cleared the highest interest card in 17 months.

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