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Will switching current accounts damage my credit rating?
Have posted a similar question on the Current Accounts board and got useful replies about different current accounts, but what I really want to know is whether it counts for anything if you stay with the same bank for a long period of time. I've been with the Halifax for about 11 years but am thinking of changing. However,…
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What to do with my Savings?
Hi guys ive got £1100 in my savings account Should i a) Pay of more of my Loan with all of it or b) Save it just incase anything goes belly up? Any advice much appreciated guys James
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Fighting back from a blow out Blog Discussion
Click reply to discuss Martin's blog here.
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how much for bankrupcy?
my daughter is a lone parent (no help at all from ex)she has debts of 8,000-12,ooo and gets only income support and child benefit,all the debts are in her name only,how much do you have to owe to go bankrupt?thanks.
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What Should I Do?
I've just got an Amazon CC with 0% for 6 months and a limit of £5,300. I want some advice as to how much to transfer and from what card. I can only really afford the minimum payment so not much would get paid off. The problem is that I don't want to transfer a great whack and then in 6 months time start paying a higher APR…
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mortgage advance to clear debts
Hi I've just bought a house with a halifax mortgage. I've yet to get the keys, should be in a few weeks. However its starting to hit me just how much im going to be paying out as im buying by myself. I have unsecured debts of 11000+ and am wondering whether i could take advantage of halifax's mortgage advance which i could…
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Tesco personal finance
Hi,have a friend,(yes really! ),had a tesco credit card,defaulted and now is on the £1 per month plan which they accepted easily enough. They are paying £10 per month though in view to reducing the debt,but obviously getting nowhere as its 8,000. Their lovely family have decided to help them out and club together on a…
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credit score
Hi I have a default notice for an old finance company debt which has been paid off in full but still appears on Equifax credit report. The finance company say its their policy to keep it on for 6 years even if paid off. I want to get a job in banking and to do this I must not have any bad info on my credit file. My…
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Deposit not taken 12 months passed can they still request payment?
I have just rec'd a letter from magnet stating that after an audit they have not taken my deposit of £3000 for a kitchen( this should have been charged to my credit card). It was just over 12 months ago when we purchased the kitchen. the balance for the kitchen was paid by a flexi loan arranged by magnet. This is all paid…
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rebuilding credit-tips needed
Hi guys, first post. I have a good raiting but my partners is poor. Mainly down to a 3 year old defualt. Everything has been paid off, and she has had no problems since. Consequntly we can't get a joint account with any overdraft and have had to swallow a 7% intrest only mortgage so we can get a house tougher. The only…
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Repay an old debt?
My husband is being chased by a collection agency for a £600 credit card debt he had at least 10 years ago (probably more like 12). Barclays havent contacted him for the last 10 years and he thought he had either paid the debt or it had been written off. The collection agency is threatening legal action.. Does anyone have…
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Uh-Oh I'm in trouble...
God I could kick myself seeing how I have been in this situation before! In October 2004 we had £10,000 worth of debt so when we moved house we borrowed a bit more and paid off the £10k of debt. Brilliant - slate was wiped clean, didn't owe anything to anyone, no credit cards, no overdraft, no pesky bank loan... (oh…
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Help me sort out my life please..
Hi all I've just joined this board out of pure desperation. I'm 28, still living at home, in a lot of debt, a terrible saver, and compulsive buyer of electonics and clothes. Typical useless individual huh? Probably, I'm worse than typical. First of all I don't even know how much I owe. I have stuck my head in the sand for…
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bankruptcy and living expenses?
Can anyone who has needed to go bankrupt please give me specific information on how much the official receiver allows as living expenses? Will my wife's income be taken into account at any stage (debts were all down to me and not in her name)? Thanks
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Letter needed : £ 1.00 p.m. to creditors
I need to write to O/H's creditors ( 2 c/c's & 2 loans ) offering £ 1 p.m. until he is working and can start making proper payments again. I remember on a thread here, someone in the 'debt recovery' industry said debtors could do this and the companies had to accept it ? Does anyone have a letter that I could use as a…
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Please Help Needed Urgently.. :)
I've been trying to sort out my finances and i spoke to N***est to get a loan to consolidate some priority debts. ( i offered final settlements for these debts). When i spoke to Natwest they said i've been accepted and are sending the details. THEN i had to chase N***est because the paperwork was taking long to arrive and…
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Is there a better way to do this?
Hi semi-newbie here, :wave: I've been lurking for a couple of months and have just worked up the oomph to post a few questions. Below is my current debt situation & I would appreciate if someone could reassure me that i've gone about this the right way. i really want to get this sorted so my OH and I can look more…
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Website for your own DMP
After helping 3 people with their debts/budgets & successfully dealing with their debts I have decided to develop a FREE Web site to help people put together their own DMP (I decided to start on the site after finding out DMP companies charge 17%, except payplan which seems to offer an excellent service free of charge).…
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Help with GE Capital debt t/f to Eversheds
Hi, Im new to this forum and looking for some advice. I have a GE Capital Bank storecard and owe £ 5000 on the card. I have fallen behind with my payments and the debt has been transferred to a co. called Eversheds who have sent me a letter to contact them regarding repayment. They have stated in the letter that if I do…
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Any Advice? Breakdown included!
I'm trying to sort out mine and my other halfs debts - this is our breakdown financially... My wage 1364.49 Partners average Wage 1030 Outgoing Electric 30.50 Gas 23.50 Partners car Loan 165.69 Mortgage Insurance 46.73 House Insurance 20.34 Mortgage 415.53 Council Tax 102.00 Telephone 20.00 Internet 24.99 My car loan…
