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i need help please
Hi Guys Can anybody please advise a reputable loan company in the UK that will consider offering an UNsecured personal loan for approx £4,000, even though I have a bad credit history? I understand that the interest rate repayable will very likely be much higher than usual, but an desperate for the loan and need suggestions…
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Pay off debt or keep saving??
Hi, I fear i know the answer already : I have 4.3k on 0% Barclay card for another 15 months i think it is. 5.1k remaining on a loan from halifax. I've hovered around these levels of debts for years, they hang around me and I've got used to them....i earn enough not to worry about the repayments so i tend to brush them off…
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Lowell Group Advice Needed
Hi everyone. I used to be a member on here years ago in a half-arsed attempt to get my finances in order. I never did in the end. I'm now in my 30s, so that has changed somewhat and I'm smack bang in the middle of sorting it all out, properly. My question (for now) relates to Lowell Group, to whom I pay a number of…
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Best Way to Reduce Debt?
Hi, I'm just looking for advice on the best way to go about reducing my outgoings... I have had many circumstancial changes recently, and my situation is as follows: I'm currently unemployed, but will begin employment in August with a salary of around £15,500. My current debts/outgoings: Car finance £350pm Loan £200pm 3…
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How much is your average monthly electric bill?
Hi all, I wont bore you all with the details but Iwas speaking to Powergen today and they have told me that after I clear my arrears on the account that they estimate that I am using £82 a month. After looking at some peoples SOA I realised that I seeem to be paying a lot more than some people. We have 3 adults in the…
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Moorcroft Debt Threatening collection Activity
Hi guys Just require a little bit of advice. I recently started a dmp with Step Change debt charity, and included a debt with Moorcroft amongst others. Upon my return home from work today i had a letter from Moorcroft debt recovery which says the following 'We acknowledge the receipt of your recent payment of £x, However…
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Right of Offset (ISA)
Right ho, I'm sorting out my finances (again) and am saving for tax bills etc so I don't have to put them on my credit card. I currently have them (and some savings for yearly spends and some other odds and sods) in a low interest savings account but need to shift some of this ASAP as I've just realised I've done something…
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Letter from MK Rapid recoveries
Hi, I received a letter from MK rapid recoveries about a debt from a 3 years ago with a credt card company. I thought it was paid off, I now live abroad. They want me to get in touch to pay it off. However, they tracked me down to a different address I used to live at and that I am just visiting. They have no confirmation…
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Wed 30th July - What small DFW things will you be doing today?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym . But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Debt not on DMP Cant Add to it what to do?
I have a Virgin Mobile debt that is not on my DMP and I cannot add anymore creditors to my DMP as SC have told me I am on my second DMP so cannot change it now. I have had a letter from BPO collections demanding £888 or threatening a Home Visit or Legal Action. Do i write to them with an offer of payment? What will they…
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Response to the Prove It/CCA. What should I do now?
I have had a response to my prove it letter I sent regarding a balance on a credit card from a DC. They've said 'Please accept this letter as a final response to your concerns' They've enclosed statements of account and a 'reconstituted copy of the credit agreement, that I am liable for the outstanding balance and they…
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Charge on a Property
Can anyone please advise? In 2007 I was a co-director of a limited company (Company A), there were 3 directors in total. Part of the business was funded by the way of leasing companies, we were jointly and severally liable. Unfortunately the recession hit and we had a disagreement, whereby I left the Company. The remaining…
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Am I in trouble?
Hi All, Now please before you leave me any sort of abuse I am fully aware I was in the wrong here morally - at the time I let my emotions get the better of me and did a stupid thing but hear me out... I was with my ex partner for 3 years. we lived together in a rented property from one of my family members. I had very bad…
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Cleaning up my partners credit file
Hi, I am in need of some help with cleaning up my partners credit file. There are a few defaults which are due to drop off next year, between feb-oct 2015. I believe the balance on these are settled, however no payment has been made on any unless it has been in full. I believe that when it is 6 years from default it will…
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Other peoples trash - opinions please?
I just came home and someone had dumped a cross trainer about 10 foot from my front door. The same person or people regularly dump their junk in that spot and the council comes and collects it eventually. No idea which of the neighbours does it. What did I do? Went out, checked if it worked and nabbed it! The small screen…
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Got a budget, it's working, now sorting out accounts - applying for new accounts help
Hiya So, after the BRILLIANT recommendation of YNAB, I now have a budget, not only that but this month I nearly got to the end of the month before using the next pay cheque. I mean, that's not as good as it sounds - I get paid on 26th but without fail I used to always run out of money with a week to go and have to put food…
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Stepchange have closed my DMP - what can I do panicking!!!
Got a letter to say that stepchsnge have had to close my DMP plan because despite requests I have not given them details of creditors! When they first contacted me regarding this I did call them and because I was due to do my annual review they said that all info would be taken then! Anyway I done my review online and not…
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Budget tool
Hi Can anyone suggest a budgeting tool I can download? Thanks
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Wonga - nightmare
Anyone had any luck removing Wonga from credit file? I am pretty ok for money since promotion at work but Wonga was always helpful if I needed some extra cash. I didnt expect though for 15 Wonga loans to show up on my credit file. Any tactics I can use? I will be debt free within the next 6 months and I am working hard to…
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Overdraft £1800 help please...
Good afternoon....My husband and I have spent what feels like all day and all weekend talking about money and budgets and costs etc etc with phoning and of course using this website to help us battle the debt demon!! With support and help from places like this forum we have decided to try and go at this debt problem of…