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Recovery Company - Data Protection
Not sure if this is the right section but I'm sure someone can help me. I had a credit card, about 2k, that got taken up by a recovery company. They were a little pushy at first but for the last year/year and a half I've been paying 25 pounds per month. Occasionally the operator has given me "pressure" to clear but I've…
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Advice on Company car thing please
Hi All. I am in debt quite badly to the tune of about £15K, but I am managing to slowly drag myself out. I have a very bad credit rating, with a couple of CCJ's that I am again slowly clearing. However, I have the opportunity to opt out of my company car scheme and buy my company car. In return I will get after tax about…
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HSBC to start Sharing Credit/Debt Info
I am worried about how this is going to affect me, I have been in debt for 3 years and the CAB have helped me negotiate lower, interest free payments to all creditors, its still going to take me years to pay it off, but surprisingly my dealing with HSBC (who do not know the extent of my debt and with whom I have held a…
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State of affairs of terminally ill father's debts.
I recently paid my father a visit and had an insight into his finances. Consequently I think he's unknowingly (as always seems the case) commited fraud. Additionally I think the bank is guilty of misconduct but I don't think there is any proof. his debts are £1500 OD with halifax, £200 available. ~16%APR £5600 MBNA gold…
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I have cleared everything now what......
Hi again, I have paid of all my debts on my credit report it says that all my debts are satisfied/settled how long will it be before this is off my credit report and finished with? Some were entered in default!! Also my registration at my new address is wrong I AM on the council list and have just received a letter from…
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Feeling A Bit Down and Peed Off.........
Hi Guys Got a few probs that i need to get off my chests and this seems the best place for it :o Well first off i have a possible health issue, that i need to clarify with the hospital. I have an appointement with them on the 3rd of August for a test and if the test comes back and shows something is wrong (not sure how…
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would a bank lend someone 12k who has bad credit rating?
Hi all, Bit worried about my credit rating as I have to pass a pre employment credit check for an IT job in the City. Story is I struggled a bit at uni with cash and did a bit of an ostritch and consequently my credit history is rather poor imho. Fast forward a few years and I have now got a decent job paying semi decent…
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Help Help Help Help Please
I have got myself into the most disastrous and complicated of situations and need some real help. Firstly I cannot get any more credit currently to Shift my debts around as I am not on the Electoral Roll. My mum had me taken off when I moved out 2 years ago and I never registered at my current address as the previous…
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CapQuest Debt Recovery ???
Has anyone ever dealt with these people ?? I've got an Egg credit card debt of 8k that they've been in contact with me about. What I'm really wondering is are they Egg in-house or are they external debt collectors ? Reason I'm wondering is I've been talking to Egg and other creditors since May letting them know why I can't…
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Quick Query - Tesco Loans
Morning all just a quick hello and to ask advice on a consolidation loan from Tesco. OH and I currently have about £14,700 of debt in 2 loans (£3000 and £5,600), 3 credit cards (£2000, £2,000 and £1,000), and overdraft (£1,700). We currently pay about £470 a month on loans and minimum payments on the cards - no provision…
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Large Debts From Career Change
Hi all, Just discovered this site and thought I would tell my story or big problem as it is now. I recently trained to become an airline pilot and have now successfully secured my first job and it is a lifetime dream come true. However it cost me an arm and a leg to get it and am now struggling to stay afloat!! Basically,…
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Improving my chances in the future ?
April this year i was made a 'discharged bankrupt'. Applying for a credit card and making regular payments seems to be one way to help start rebuilding my credit status. As someone looking for a 1st time mortgage i was wondering if opening a savings account(to save for a deposit) will also help the rebuilding process? i've…
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Back on track but need advice
Hi All, I thought I'd start a new thread for this as I'm trying to find the best way to get rid of my overdraft. Do you think I should put it on a 0% card? Add it to my loan? Or grit my teeth and get it down by as much as poss each month? I'm trying to come up with the best solution financially, but also mentally - I don't…
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Toucan bad credit scoring,can anyone help?
I received a bad credit score because Toucan said I did not pay a bill, it was for £7.30. They say that when I finished my contract with them, they sent a bill, I never received one though.My account was set up to be billed online,but they never sent one. I paid the bill straight away when Experian sent my credit report to…
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Sky TV
Well since coming onto this site I've gradually been pushing hubby to reduce our Sky package. Anyway 2 weeks he agreed and we reduced our package from £41 per month to £19.50, £21 from September I've read somewhere on this site that Sky is going to split this package into 'modules'....does anyone know of a link so I can…
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life with debt??
HI this site has just been reccomended to me, I have been away for 2 years and I am now in a substantial amount of debt. I have not the knowledge or inclination to know what to do for the best, I have a loan with cahoot £5000 being paid back at £92ish a month (8.9%) that i can cope with but I now have £650 on a Lloyds…
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Gotta Laugh!!
I am in the middle of corresponding with my creditors, am on a DMP through the CCCS and have been receiving polite but nonetheless, threatening letters etc etc. However, and this really makes me laugh, all of my creditors are still writing to me telling me how well I have managed my account and offering to lend me even…
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How to find £22k...?
Hi there guys. I'm new to this forum, although I've been following it for some time now - I'm afraid to say that I need some help on a pretty technical problem (that's what I think anyway!) I live with my missus in her house (mortgage of £100k, house is worth about £170k). We're getting married in 12 months when things…
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Some more advice please.
Im trying to find ways of clearing my overdraft and having a complete re organisation of my spending! Firstly I have an overdraft limit of £3500, which I have reached. I have about £2000 on credit card. Ive done a budget planner which shows that I should be in credit each month, but recent overspending has obviously taken…
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Making An Offer Of Settlement
Currently remortgaging to clear credit cards debts and wondering if its worth contacting them to make a reduced offer in full and final settlement. If so, where do I start with an offer? How much of a reduction are these people likely to accept on a credit card debt of, say, £5000? Thanks
