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Im scared now!
Just bit the bullet and requested my Experian credit score file. Not sure I want to know actually!! Got turned down for a CC :-( Im not even sure why! When I get my report, what can I do to improve my credit score? and how long does it take to get it back to an acceptable level??
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DMP and other ?
Hi World We here I am another DFW; hopefully I'm taking the right steps. Light Bulb Moment 4/12/06 I’ve been in different degrees of debt for years due to rising bills and child maintenance payments, changing jobs etc. Moving house 10 times in 8 years due to my job hasn't helped. Last and most of all bad mistakes in money…
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CCCS and Payplan Question! Newbie
Hi guys, I discovered this site about 2 days ago, excellent site. been reading comments on here and finally decided to do something about my £34000 debt and rang CCCS and payplan up from all the recommendations on here. LightBulb Moment Tday:T (finally) CCCS say they will ring me next week to discuss it. however went to…
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How much have/will you spend today Monday 4/12?
Good morning lovely DFWs :) Hope you've had a good start to the week! Work is very busy already but that only means the day will fly by :D I spent £1.40 on breakie this morning which is naughty but found myself not ready to face the week earlier without something to eat! Hope you have a good day and keep it low! Moozie x
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Are debts sold to a debt collector?
I'm confused :confused: I've read on some threads that debts are sold to debt collectors, I'm currently paying Moorcroft (sp) £50 for my egg loan, to my surpise I got an email from egg saying that my monthly statement was now online, I haven't had an email like that for months and months so I logged on, this is the…
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concerned
i am currently going through payplan to sort out my debts. the 5 lenders are lloydstsb overdraft, lloydstsb credit card, royal bank of scotland loan, northern rock loan and cahoots loan. my concern is that i may get repeat calls from these people hassling me when payplan contact them. has anybody had payplan deal with…
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Does Quidco really work like this....?
I've just registered and am waiting for my activation to use the site. Barclays, as an example, are offering £125 for each accepted Home Insurance policy via Quidco. If I am only paying £130 a year now, I could take out a Barclays policy up to say £200 and STILL be making £55. It sounds too easy. Also - Can I just use…
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creditors are going to bankrupt us.
Hi all, I really need some advice please. I've been trying to get my debts sorted and have made some headway with the smaller ones. I have been in touch with the CCCS and we have a counsellor and a client number. We've been trying to get our budget sorted and it has needed ammending 2 or 3 times now. In this time the…
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Am I entitled to use the slogan?
I have used the slogan 'proud to have dealt with my debts' as Martin says we can do that if we are now debt-free. However, I sometimes think I am using it under false pretences, as I was debt-free before I discovered this site and didn't do it the MSE way. Basically, we bunged the credit card debts onto the mortgage of an…
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Is having to much "stuff" the problem ?
Me and Mrs best both work (though she is on maternity leave at the moment, may or may not go back to work). We have no debt accept a mortgage (we have paid of credit card / car loan). We have some rainy day savings. I am just wondering how much debt is the result of needing "stuff". Though our joint income is fairy good we…
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Direct Legal & Collections
Hi all, I've managed to make arrangements with all my credit card debtors, apart from one where my account was sold on to DLC, they're asking for monthly payments I can't afford and refuse to freeze the interest etc, until my account has gone through their six stage default process which takes quite a few months. It seems…
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Early Repayment Penalty - Any way out?
Hi...We're 3 years into a 5 year fix with Nat West. If we repay now there is a penalty of several thousnd pounds. Is there any way out of paying this? Thanks
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Expenditure Guide
Hi This is my first post, i think, here. Just working out a budget. What is a reasonable monthly figure for FOOD only? (For couple with one child). Thanks!
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How much have you spent today Sunday 3/12 & the new Sun-Fri challenge!
Good morning lovely DFWs :) I hope you are having a relaxing Sunday! Please, no need to congratulate me on my early start this Sunday - we have the Commander to thank :rolleyes: He brought me toast and coffee in bed at 8am and silly me, I thought there was no alterior motive! I was up and packing by 8:30 :( 10 days to…
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Stuck in a corner, naked.
Evening, Just had some bad news and I am rabbit eyed as to what to do next. I have £20,000 worth of debt which I have to consolidate as the interest is killing me. The debt is spread over 4 credit cards and interest alone each month is £470. I was told my best bet would be to consolidate and either try my bank or mortgage…
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Credit report reveals more than expected.
Hi everyone I have recently paid off all my debts and obtained a credit report. But...on a old credit card the amount is showing as still outstanding, I know I have paid this off. I have tried phoning HSBC direct and they told me they couldn't help unless i had the card number and account password, but I haven't had the…
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Question re car finance.
As I understand it, a car on hire purchase can be returned after 2/3 of the loan is paid off. (or whatever the company specifies need to be paid as it can differ) What about a personal loan from a car finance company? Is there any get out clause for one of those?
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newby here need advice
hi there im new to this site, im in over my head with a whooping £36,000 debt not including my mortgage any advice would be welcome my statement of affairs are : income 1200 tax credit 124.40 child benefit 69.80 maintenance 300 total 1693.20 per month after tax im a single mother living with my daughter in a mortgaged flat…
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Assets/bankruptcy
Hi All, Can anyone advise me on whether a car worth less than £1000 can be taken from me by the OR leaving me with no car? The examiner has arranged for it to be picked up but it has some sentimental value and I thought that assets worth less then a certain amount are not taken, and if so, why would they want my car worth…
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Update on Court Today
My friend and I attended court this afternoon to ask for her CCJ to be set aside. The Judge asn't very pleasant and told her she should have read the paperwork sent to her by the other side, unfortunately she hasn't received anything from them....The judge then said she couldn't rule on the matter as she claimed not to…