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How long until you acted?
I'm just curious about other peoples experiences and reasons, it took me two years from accepting that I needed to do something, to actually doing it. The main reason was that by by asking for help (in my case from CCCS) I was explicitly accepting that I was incapable of sorting things out myself. I was hanging on to this…
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Could someone explain credit score to me please
Hi, I am in the process of sorting out my finances and need a bit of adivce. I have just finished univeristy and have a few thousand on credit cards, I had been making use of the 0% rates but I have now decided to move them to a fix rate and start paying them off at a constant rate. I applied for a card from texaco which I…
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Help with Facing things
I know I am in debt and in a lot of trouble although I have not defaulted or late paid anything. I know what I have to do but can't seem to do it - contct CAB do a plan of all my debts - has anyone else had this problem and also is there a debtors anonymous. If I do a plan do I have to put my husband's wage and all the…
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Wanting to Stay out of Debt. Advice required.
Hi, If another forum is more suitable for this. Please move it. We had a baby 3 months ago. We are now trying to decide how many days I can afford to drop from work without leaving us with next to nothing to live on. We are currently debt free but we have both been in bad debt before and we want to make sure this time out…
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Your debtfree day - anyone heard of this?
I was just clearing out the email inbox and found a link in an email to here - looks like you end up with them calling you trying to get you to use them, but I have no idea if it's worthwhile or not. Anyone had any experience? I'm not going to waste my time if there's nothing there I haven't already heard from all the…
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paying off a loan
i have a loan with abbey which i am paying 14.9% interest. by january i will be in a position where it is my only debt. it runs for 5 years and was for £5000. at present i pay £116.26 per month. i took this loan out in january of this year. by next jan i will be able to pay about £600 extra per month not including the…
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confused over debt
Hi I am currently dealing with payplan for some of my debt, my husband was made redundant last year and he also has debt, mine is not clear to him, he has credit card debt of £15-20000 these have not yet gone to a collection agency, could we still negotiate a settlement with the credit card company? one of the debts is…
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Taking a deep breath and asking for advice...
Hi all, I've been reading through the posts on this board and have been really impressed with the advice and, most importantly, the support you guys offer and so I've come on here to hopefully get a bit of both. Basically, over the last few years I've got myself into a mess financially, and have committed the ultimate sin…
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Aaack - can't believe this!!!
Imagine you have £30000 in credit card debts and your boyfriend( you've lived to gether for 7+ years and have a child together) finds out. He tells his parents and they offer to pay pff 3 out of the 4 cards - £12000 so far with some more to come. They ask for statements to prove that the money's been paid off and that…
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Credit Rating by Bank Account
Hi, Just ran my Experian Credit Report and all looks good. But I wonder if anyone knows if your Bank Account has any relation to your Credit Score? I have a overdraft which I sometimes go over & incurr the costs!! Will this show as a bad mark? I want to clear this (£900) and borrow any additional £1k for some necessary…
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your help required to clear debts
Hi, Let me introduce my situation. I currently living with my partner at her parents and we are struggling with our money situation. I have numerous debts from a failed business so have been unable to get credit for many years. From reading on this forum it seems that bankruptcy is the only vialble option for me to be able…
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Help Required ASAP
Hi, I have only just joined upto the forum but have been receiving the mailing lists for a while now. I am in urgent help, I have gradually over the last 2 years found myself in MORE and MORE debt, and would seek some advice. Basically I have a £10,000 left on a personal loan to pay off, and £500 on a credit card, and my…
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I Am Soon To Lose Everything !!!! How Can I Stop It
Hi there !!! I am forcasting that the inevatible is due to come very soon. I need advice now rather than later.... I was involved in a car accident last Oct (2004 severe whiplash injuries) and was doing ok till then but had just taken on a 23k loan to consolidate some of my cards and do home improvements i declined ppp on…
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Bankruptcy - info for a clueless newbie!
Hello! I'm new here, so be kind :) Basically my boyfriend of 22 is in loads of debt. Over 20,000 :( This started before we met, via credit cards and loans to pay off credit cards etc. We're serious together and I would like us to eventually marry and get a house but this is like a big black cloud hanging over us. I've been…
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Is This For Real????
HI guys..just stumbled accross this ite..looks interesting i must say.but it dont sound right at all? take a look at the link yourself and read the homepage and other stuff..they say they can guarantee a bank account.. http://www.credit4all.org.uk/index.html is this legal?
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Advice Needed With Priorities.
Hi everyone, Heard about this site on the radio so thought I'd have a look around! My girlfriend and I have started to talk about marriage and mortgages,etc. However, she has quite a bit of debt which she'd like to clear before we "tie the knot", approximately as follows: £10k loan at 6.5%, £150 per month repayments, 6…
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Help with barclaycard account please
Thank you for reading this and I’m really hoping that someone can help. When I was 18 I had a Barclaycard everything was fine and I thought that this was the best way to build up a credit history. All payments were made each month until one time I needed to use my whole limit to get my car fixed, fine I thought ill pay it…
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Bit of advice for my mum
hiya, Since finding this site i told my mum about it and got her quite involved and interested in it all. Shes been looking at her and my dads finances... they are approx 12k in debt. Mum is horrified about this but dad just doesnt care and to be honest never has.. his attitude is "whatever" "not a problem" etc. He just…
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Getting out of debt is easy .. do it the HPC way!
I think Martin could use some backup over there! http://www.housepricecrash.co.uk/forum/index.php?showtopic=12717
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Bankruptcy meeting with the OR
Hi all, Well to all those who've been following my previous posts or havent, I have the meeting with the OR tomorrow. They've asked me to bring along my business records/cheque books, bank statements and generally anything to do with my creditors. I was wondering if anyone who's gone through this stage can shed some light…
