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Call each creditor or institution where you have an account to be consolidated. This balance will include finance charges that have accrued up to the day the account will be paid off.Consult with a credit counselor or other financial professional and choose the method you want to use to consolidate your debts. Debt consolidation is a third-party payment system. Agencies range in quality so make sure you shop around. Most debt consolidation plans are structured the same way. They ensure member agencies pass rigorous standards set forth by the Council on Accreditation or another approved third party, and that their counselors pass a comprehensive certification program. Financial institutions don't give preferential treatment to any one organization, nonprofit or otherwise. However, if you just happen to have accounts with creditors that don't offer any concessions, that benefit is reduced. Look for a nonprofit credit counseling organization that belongs to either the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).Under the Exchequer and Audit Departments Act 1866 most of the revenue from taxation, and all other money payable to the Exchequer, must be paid into the Consolidated Fund.The General Fund was established in 1617, the Aggregate Fund in 1715, the South Sea Fund in 1717.These funds were established in relation to specific government borrowing authorised by Parliament, which had a defined type of revenue appropriated to put towards the interest and repayment.
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If you hold your investments directly with the Product Provider themselves e.g. then the chances are you will be in what's called 'Commission-included' Funds, whereby all charges are built into the Fund price.