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It's all unravelling
Hi All, As some of you know I've been a fairly regular poster recently and until a few weeks ago all was going well. My overdraft has managed to get back to around £900! This is partly my own fault. A look at my bank records have shown that I got complacent and lazy about my spending - £20 here and there really adds up. I…
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Help with overdraft!
Firstly, this is my first post so please be gentle with me ;) Ive found myself getting slowly worse off each month. Im at my overdraft limit (£3500), I also have a Master card debt of £2000 which Im struggling to pay even the minimum payment each month. This has happened over the last 7 or 8 months since coming out of a 13…
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CRA/using previous name for credit..
A very good friend of mine has just married and is still using her previous name to apply for credit etc. Is she acting within the Law? Thanks to anyone whom can help.
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Please help me In debt
hi all I really need someone to help me out. Currently i am about £5000 and cant afford the monthly repaments. This is how my debt is broken down: Capital one: 750 hbos credit card : 1100 egg card : 2150 bank of scotland student overdraft: 1300 Currently i am student and i was working part time but i got fired from my job.…
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7.5k debt and not sure what to do ...
Right, so I'm new here and am finally going to post. I've been so inspired by everyone else on here that I think we're on the right track, but any extra help anyone could give us as to the best way out (if we've not yet found it) would be great. Monthly incomings: £750 salaried (oh's) income £350 tax credits £110 child…
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Is This Legal ?
This morning I got a call from a company called UK Forwarding claiming they tired to deliver a parcel last Wednesday and they needed to confirm my address and when would I be in. When I started to question what the parecel was they said it was a letter from Birmingham so I suggested they just post it like any other letter.…
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Bankruptcy .......... moving on? Is there life after?
Hi I have recently been discharged from my bankruptcy and am now hoping to reinstate a decent credit score. Are there easy ways to do this? I'm not looking for short term fixes as I want to take on a mortgage. How long will it take to get a decent credit score. I still think I did the right thing in declaring bankruptcy…
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New User with 30K debt
Thought I'd start a new thread in case I got lost in the old one. I have now - after hearing great advice from a number of really kind folks - got a number of possible approaches. Thing is I don't know which way to go. I would like, therefore, some advice on which route to take. We owe: £1692.12 to Laura Ashley.I pay at…
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Wont accept my offer?
A debt collection agency phoned me up about a small debt I owe; they asked if I could pay it off over the phone? I said I couldn’t and offered them £100 a month for three months till it was paid off. They said if I don’t pay the £300 pound now! They are going to take me to court and I will have a further £500 legal fees…
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help deep in debt
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Debt Collector Advice Please
About 3 years ago, whilst at Uni, one of my halls mates stole my chequebooks for 2 accounts and went on a spending spree. The first account I got sorted out (eventually). The second I sent a letter about and thought it was sorted out. (Yes I know I should have chased it up but I was a stupid student!) Now a few months ago…
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Under-age debt
When I was 16 i applied for an o2 contract and a capital one credit card through boredom on the internet one night,using the year 1984, mine is 1986, all other details were right (name address etc). Much to my suprise got offered both, the capital one card with a £2,500 limit. I never really used it for a year, until i got…
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HELP! - Re: The 6 year rule....
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Virgin card & MBNA
I recently received £10,000 from Virgin (MBNA card) for my stooze pot, a couple of days ago I received an application form in the post from MBNA offering me 0% for 9 months on balance transfers, does anyone have experience in applying for an MBNA card at the same time as having a Virgin card ?
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Are they allowed to do this?
I've been off sick since September 2004 and as a result have only been able to make a payment of £50 per month on my halifax credit card. Then recently we discovered we were being overpaid tax credits, so our benefits have dropped drastically (tax credits have halved). This means I could no longer make the £50 payment. The…
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SBT- 6k or 10k?
Hi all, 1st post so here goes. After reading some of the excellent advice on MSE I recently applied and have been accepted for a Virgin 0% Credit Card with a 10k limit. :T My plans were to SBT this to my Current A/c to pay off my existing £6k to Natwest Credit Card with the remainder being used to help clear the balance of…
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how much have you spent today 15/7
Today i've not done too badly - i spent £2 on a sandwich for my lunch - and £3 on a pizza for dinner (b.o.g.o.f from our local pizza place so £6 divided by 2 people) I wouldn't normally spend this much but i'm currently 2/3rds through a 15 hour shift at work including 7 hours overtime at double time so i figure it's an…
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When you're forced to miss payments ...
... which ones are the best ones to miss? Credit cards, HP, utilities, council tax, rent? Or should you go into unauthorised overdraft to try to cover it? A lot will depend on the circumstances - but if anyone's able to give an objective comparison between missing payments for different types of creditor, that would be…
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Bankruptcy 13 years on
I was made bankrupt in 1992 discharged in 1995. In 2004 received a letter from the Official Receiver, stating they were going to put a restriction order on my property. Phoned him, to learn they had made an error in not placing an order on the property during my years of bankruptcy, am very angry!. A Trustee has now been…
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Land Registry Search
Some of you guys will be familiar with my situation, receiot of court papers etc. We received a telephone today from First National. My husband took the call. They told him they had done a search at Land Registry to see what property we own. Can they do this? We do own our house but we only bought it last year so the…
