Hi I have a £1000 expense due in February and an £1000 credit card bill at 30% now. I can afford 200 a month to save or pay my card. So far I have been making min. payments which incur about £20 interst per month. Does it make sense to pay 200 each month to reduce the credit card each month only to borrow the full 1000 on the card again in feb? The thing is i don't know if it works out any cheaper if i borrow the 1000 from scratch off the card in feb or paying an additional £20 a month now and save the 200 in my ISA. Help please.

Hi Is it possible to change the terms of my contract within the contract period? I am with 3 and pay more than i need to as I have more minutes and texts than i use. I'd like to pay less for less. anyone thing its likely? thanks

1t was an initial 12 mths. Then membership runs until you cancel.

Hi I took out 12 mth membership w/LA Fitness. After 9 mths I had to cancel. I was no longer a student and had not found a job (still haven't) wrote to LA asking if I could freeze membership, then found that was too expensive as it was just over half the mthly fee. Told them I wanted to opt out under s.6.3 where they want a letter confirming your status. I have no income told them this they referred me to ARC. Emailed ARC told them I kept in contact with LA. Heard nothing for a while then after a few more emails offered them a part payment in full and final settlement which they declined. Now asked them to refer the matter to a court as I have tried to settle with them several times. Does anyone have any thoughts please?

Thanks - I have done, am waiting for their response. In the meantime Abbey's letter finally came. The exact same letter in response to other bank charges 'we are investigating...will take some time...etc'

Phoned Tax credit people, they told me it was between myself and my bank because they already paid it to me.

check your credit references! they had 13 entries as late/missed when 2 that were missed showed as paid! After a stern letter and cc to OFT, FOS, FLA record is now corrected. you should all check.

Update - Partner just got creit reference. Found 15 incorrect entries on the payment history showing that payments were missed when they weren't. :mad: :mad: :mad: would use more but limited to 6. Just sending letter to them now demanding instant correction.

So that means the tax credits meant for the non -resident parents' own child will be deducted for the benefit of a step-child?

Hi Guys, Thank you all for your responses. I shall report them to the FOS and will now read through the nationwide and NatWest threads. I do have a Barclays normal current account and recently got 2 weeks worth of temping work so I had that small amt of money put in that account. But my benefits go into my long term Abbey a/c I have had for about 5 years. Like I said before I took them to court and they settled the morning of the hearing at the mercantile (london) court. So when I wrote the letter I foolishly thought they would take me seriously. They have pushed me over my o/d limit knowing full well I have a mobile bill DD left to pay at the end of the mth and I did a little grocery shopping:mad: I have been a mature student and just finished, they wouldn't return my calls for a student a/c which would have prevented all those past charges! I have just worked for the 1st time in about 4 years and so i hope to have this financial struggle behind me soon. Then I'll have my wages paid i for a couple of mths into Abbey and then shut down the account in favour of Barclays:D Show them they should have been more understanding. Sorry for the life story:smile: Again thanks for the help-- there seems to be a thread on this website for every life problem. Brilliant.

Hi Abbey advised me that i would be charged £68 in two weeks. The only income I have at the moment is child tax credits and child benefit. I paid the rent and some of the electricity bill and left enough for my phone bill on DD. They took it today and put me in the negative and now I do not have any money. I had written them quoting social administration act...and they still took it. I already successfully claimed the previous charges back! Anyone know what I can do to get it back? Really need the help. Thanks.

good - don't forget to keep your payment records and ask for a statement from time to time.

thanks guys;)

Hi I'd like to know - 1. Is it true that if the payments are made directly to CSA that the parent doesn't actually receive all of the money? 2. If a couple live together and the non-resident partner does not have an income, is the CSA allowed to charge the working partner even though he/she is not a parent to the child? Thanks in advance.

Hi Summer30. Did you read my post no. 4. everything you have just mentioned I've given you a solution. The bank details are correct as I am using them. resend expense form recorded delivery amd I'm sure you must know your loan reference