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Taking the moral lowground?
Hi there, Hopefully somebody can help me here... I'd like to think that after years of living in debt, student life, and a particularly irresponsible streak many years ago, that I'd paid off my debts and conditioned myself and my other half to saving and spending carefully rather than resorting to lots of debt. It's with…
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Interest
Havig recently started my serious debt reduction asap crusade, my brother was asking how much interest I am paying every month as part of my minimum repayments. I can't remember the exact figures now but on my loans and credit card balances it's only around £2 a month, but for my egg loan, I'm paying about £50 (can't…
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Protected Trust Deeds Scotland
We are looking at a Protected Trust Deed which is an option in Scotland which I believe is similar to an IVA in England ? Anyone any experience of a PTD, if you have can you please advise how it works and what the outcome was This would be greatly appreciated
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Phone call request from DLC...
Hi all, Just got off the phone from DLC who have my debt from my Egg credit card (Outstanding Balance = £3238). They wanted to up my monthly payment by what she said was a small increase - from £100 to £135... Explained that i didn't think 35% was a small increase and that i've been struggling to pay the £100 never mind…
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Experian account deletion
I received an alert from Experian today saying that an account has been deleted from my credit report. I checked my report online and indeed, my two credit cards (Natwest and Mint) have completely disappeared from their records. The only thing left is a Nationwide bank account that I set up about 6 months ago. I've only…
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up to her neck
My friend needs some help. She is a single parent with 3 children. She has a mortgage for £180k but her house is only worth £150k. She has aloan for £15k secured on the house. She works part time and is blacklisted. She is struggling to make the mortgage payments and loan payments. The mortgae is with the RBS and the loan…
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cccs
Hi ,we had our phone appointment yesterday with the CCCS and ive gone from being quite stressed out to feeling like im going to explode with the strain.Basically we have £31,000 worth of unsecured debt which we have really been struggling to pay, borrowing from here there and everywhere ,it has just turned into a vicious…
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Help needed with Equifax credit report
Dear All, I have signed up for a months trial of the credit monitoring system with Equifax and have been looking at my credit history, which is all over the place! I need some help sorting this out as my credit isn't actually as bad as i thought it was, a bonus me thinks!! Firstly they have me registered as current at 3…
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My challenge - living on virtually nothing!
I'm new to this board but could use some advice. I've done all the switching my debt to low APRs as much as possible, and the standard debt reducing stuff. This is me. http://8pnoodles.blogspot.com I feel like the guy who decided to try and live only using the internet and never going out for a year. Or like the guys in…
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Did I do the right thing?
Hi, Around 6 months ago I got a letter from a debt collection agency chasing payment for an outstanding amount on an old car insurance policy. I called them and pointed out that I did not owe anything. A few months ago, I recieved another letter chasing payment again, so I wrote to them, including a letter from the…
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Finally done the sums
I've known for several months that i was getting into debt but today i have finally done the sums to work out by how much. I've added up all the credit card and overdraft debt and taken off my savings (stooze pot gone wrong) and I'm left with a debt of £5438.43. My husband knows nothing about this as he leaves all the…
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Applying for multiple cards a problem ???
Hi, I'm trying to get my interest payments down and transfer my balances onto lower interest rate cards. I have been refused cards in the past, so my credit score isn't perfect, but it's not awful. I've heard that every time you get refused it affects your chances of succeeding with another company, and also that applying…
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Quick question - going from weekly to monthly pay
Someone up there must have been listening to my pleas! As my husband earns considerably more than I do, his wage is paid into the 'bills' account. He was getting £334 weekly so I had arranged for direct debits to be coming out in different weeks. Even though his income over the year exceeded outgoings we seemed never to be…
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Defaults, How long should they stick on Credit Reference?
I wonder if anyone can offer some insight into my situation. About 6 years ago, I had a mobile phone with Vodafone. I moved house, and managed to overlook the outstanding bill, as I had just got a new mobile. The total amount was for £115-ish, and as I was unaware of it, it eventually defaulted in November 1999. I try not…
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Settling Some Debts! Advice Please!
Hi Dont know if anyone can help. My sister (have posted before about her..lol) has had some debt recovery letters come through from Robinson Way & Co :confused: for debts she told me that had already been paid :mad: but thats a whole other story! Anyway, in total they amount too around £1300, but in the letters they have…
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Any ideas for more moneysaving?
As you can see from my signature, we have £2316.92 of debt, all on a 0% Virgin credit card until June 2006. I appreciate its not a huge amount compared to others, but would like to get it paid off asap!! Any ideas for cutting budget? Pension (Husband's) £50 Life Cover (3 policies) Total £36.85 Powergen (gas/electric)…
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buying postal orders with a cheque and gaurantee card
this post is for a mate hes in a v tight spot till end of the month, his cc's are maxed and needs about 80 quid to survive till then he asked me if he could buy postal orders with his cheque gaurantee card and chequebook at the post office know i now you can pay for postal services as i do it regulary ? but would they do…
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Complete Nightmare!!!
Some of you may remember my posting from a while ago. The one where I said how badly in debt I was and my husband didn't know!! Well there have been a few developments since then... our bank has downgraded our account to a basic account with an electron card! Another debt collector came knocking at the door and I've agreed…
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Vent
I don't care if this is unsupportive - I just need to let some steam out. My O/H has the debts. Today I'm angry with him. Yesterday he got upset when a 'creditors notice' arrived. What does he expect ? We've already talked through what we're going to do and have a plan. Every time a letter comes he says ' it's me with the…
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council tax arrears - bailiffs coming - but not our fault!
hello, i'm back again! right, i have moved into a student house with 4 others. we kept getting letters thru regarding arrears on council tax addressed to our landlord. we duly passed these on to him, and he assured us he would 'sort it out.' we thought nothing more, until yesterday one came advising us that the bailiffs…
