The maximum interest that would be paid in a year is 6% of £2500 or £150. My opinion is that it would take a lot of juggling to qualify and keep within the limits and to get that £150 with no charges. I understand that the particular deal that is being put in current press releases is only open to people who are already paying ...

If it's complicated, you can be sure that it will work in favour of whoever wrote the terms. I have one card that gives cashback. If I pay in full every month, there is no interest and the cashback (initially 1%, now ½%) is credited every few months. I have another card that uses a lower interest rate than most cards but it charges ...

The old debts became statute barred after 6 years. You should send a letter similar to the one linked below. http://www.moneysupermarket.com/community/forums/post/statute-barred-160856.aspx If you have the agreement in writing for the other debt, you could write to say that ther recent correspondence contradicts the agreement and, unless the ...

It's certainly worth trying. I don't know how good O2 are with customer problems but I know that some other mobile providers will just be happy to do no more than keep taking the money while you are happy to keep paying.

You should tag, chip or whatever they call it, your guitar. You should also not tell anyone that it is worth a lot of money. Realistically, if the instrument is going to be at risk (if, for example, you were going to leave it in a tent), you would not get insurance. If the instrument is not going to be at risk (if, for example, you were ...

The best option is to repay the ovedraft. 1.5% per month equates to an apr of 19.6% which could be worse (it could be better too). Banks can change the interest rate on overdrafts at any time and they can also demand repayment of the overdraft at any time. Overdrafts are not suitable for long term borrowing. If you had a credit card with a ...

There is no point in sueing them as, presumably, you haven't yet paid the remainder of the contract. Realistically, you should consider money that you have already paid on a monthly contract as gone. One option is to ask for a settlement figure for the contract and this should not be more than the total of the next 22 monthly payments. For ...

Yes, I have similar experiences with Vodafone. I signed up for a 2 year deal at £15 per month but, when I started, I ordered over the interenet so that, if coverage wasn't up to scratch, I could cancel under the distance selling regulations. But I've been quite pleased overall. A while ago their servers couldn't manage to send ...

You will not get any interest worth having on an instant access account so, in my view, whichever bank and building society you know and trust should be fine. You should not take all the money out of the savings funds until the the bonds mature and/or the money will be needed.

seasider72: What are my best options? I would prefer to keep my 1st house if possible as an investment for the future. You can either take out a second mortgage on the first property or take out one large mortgage to pay off the £65k as well. It is possible that the early repayment fee will make the first option preferable. If you talk ...