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Furniture Credit help needed
I wonder if anyone can offer advice on my situation. About 18 months back I purchased £3000 furniture from Courts, with finance from Open & Direct for £2600 on a 12 month interest free period. Courts made the first delivery, and only delivered 80% of the goods, and the sofa's were of the incorrect colour. Open & Direct…
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6 Year Rule?
Hi, Cutting a long story short, I was due the Abbey £2600 with an unorthorised OD. After lots of letters etc etc, I just gave up with them and they passed the debt onto an agency. A default was placed on my credit file, and that was removed after the 6 year period, this was last March(05) Due to family reasons I moved 3…
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How much have u spent today 27/10/05
Ive spent nowt again today quite proud of myself this week ive only spent £10 yay!!! :j So Ms London how much u spent today? :rotfl: :rolleyes:
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Its official....
I am now debt free. Whoo!! I couldnt wait until lunchtime to go to the bank, so did it now. I have to say, it did hurt giving them a cheque for £8603.10, but I managed it (through gritted teeth!!). So I am officially debt free, yippee!! I have paid off a staggering £19,000 in total, and sadly a lot of that were charges &…
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Capital One, something wrong?
Hi all, Told you I would be back! I had a credit card with capital one. I defaulted on this for reasons explained in my last post. I was was the pursued for the debt by Robinson Way (debt collectors). I agreed a 75% "full and final settlement". Imagine my despair when I read my credit file and saw that they still had me…
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Congratulations Ms_london
YYYYYYYYAAAAAAAAAYYYYYYYYYYYYY!!!!!!! MS LONDON IS DEBT FREE WELL DONE GIRL UR AN INSPIRATION TO ALL OF US WELL DONE HONEY XXXX :T :T :T :T :T :T :T :T : :T :T :T :T :T :T :beer: :beer: :beer: :beer: :beer: : :beer: :beer: :beer: :j :j :j :j :j ::j :j :j :j :j
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Bankruptcy and "Beneficial Interest"?
Hi all, I currently owe over £23000 to three creditors, Egg, Mint and MCS (First Direct debt). The debts are solely in my name, and having been on incapacity benefit for a number of years, and my partner being in and out of work (he's self-employed), I managed to run up these debts on basic living. It's getting to the…
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(REF MY PREVIOUS POST) REFUSED CREDIT ... Next step to re-mortgage??
Many thanks for all the advice given to me on my previous question on re-mortgage / to consolidate etc .. I know what your all saying is exactly right that debt on top of debt is not the answer to my problem. I know the REAL answer is to pay these debts off !! My dilema is how to shuffle my debts around and make my monthly…
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Help and go figure (please)
First of congratulations to Ms London, that is one hell of an achievement and I am over the moon for you, as well as a bit jealous! :T :beer: Anyway, myself and my wife have got ourselves into a mess over the years due to combination of reasons, spending beyond our means (although this has been addressed by both parties),…
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The Debt Free Board - What's it all about?
What do you do when you can see a way of replacing an existing loan with a cheaper one for example taking the same amount over the same period but with a lower APR but the lenders of the lower APR loan won’t lend the money to you to replace the loan?
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Car Finance Help, Please!!!
Hi all, It’s my first post and I am very sure that it will not be my last. I have just bought a brand new car on finance and believe that I have been stung a little. I asked the dealership about the possibility of car finance. I have a really poor history with credit and I believed that I was getting better (I owe…
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Debt management advice welcome
I am a 25 year old graduate living in East Sussex. After 5 years at university, I have managed to rack up some fairly good debts and now really need to get my ar*e into gear and get myself back in the black. Hence this post, for a little advice from the incredibly knowledgable folk on this forum. It mainly revolves around…
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Help AAARRGGGH
Hi looking for some advice on the following problem last year i racked up credit card debts of £6000 with the cc i have with my bank (i only had a £2000 limit one minute and without my knowledge they upped it to 6k and me like a total idiot waxed the lot on holdidays clothes Gambling etc etc now i went into the bank to…
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You'll be pleased to hear......
...... that I remembered to clean my teeth this morning. Hoorah!! (**Also, 1 more day til i'll be debt free - hoorah hoorah hoorah!!**) Ms_London xx
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May I say something about that thread..
....I started that thread about people avoiding debt, the day before yesterday and spent some time yesterday trying to ascertain where it had gone. Now have found out that it was deleted and that a new thread regarding it's deletion was started and has now been locked! I never saw any of the posts which followed my initial…
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What did you spend today? 26/10/05
Today i've brought lunch to work in the form of 4 clementines, 1 banana and a yogurt. With 12p in my pocket i'm pretty limited to the damage i can do...
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Iva
Hi Can my partner get an IVA and pay 100 pounds a month or so? Thanks Matt
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Mobile Phone
Hi Im getting a new mobile phone on contract in my credit repair project, ofcourse i will pay it on time every month, but will this make my credit rating go up after some months? A good impact? Thanks Matt
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Can this be true?
My partner has nine creditors and has been with a Debt management company for three years. They charge £ 30 per month and don't seem very proactive. She has had enough sleepless nights and the worry has become too much. She is considering bancruptcy as the debts will take another 24 years to pay off. Somebody from a help…
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Debt - Addressee Deceased
Hi, im looking for some advice..... My mum died about 3 years ago, and she had some debts which were paid from the estate and it was all settled... However, today a letter from a debt collection agency 'Thames Credit' has turned up, for an outstanding amount. My dad never saw anything in the paperwork at the time regarding…
