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default on credit file anyone explain?
hi we have a default ( see debt / default) page 4 i have been looking through my credit file from call credit and it says that the regular payment value is £96, we pay £40 each month to debt company. it also says repayment period 126, i presume this is months. it also says account holder status normal , but the default…
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Thinking about childminding for additional income
I'm thinking of advertising child minding for additional income, I have a recent CRB run on me as part of my volunteering for the guides, and I have two young nephews who i see regularly but apart from that I have no experience as I never babysat as a teenager. Do you think anyone would be interested in me babysitting for…
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Debt free in 11 years...and counting
I had my interview with cccs this morning. wasn't quite the outcome i had expected - i thought i'd be debt free in about 3 years - they estimated 11. I think i just had been under budgeting. but i am going to try to crack it in less that that. If i can afford another 30 per month it will knock about two years off. but the…
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Cheap jiffy bags
This may be completely the wrong place for this, but I have lots of things to post after selling stuff on ebay and I need some good value, bargain jiffy bags. I must be able to get them cheaper than the post office. Does anyone know where I can try?
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thanks button??
sorry to be a pain, but i cannot seem to find out how i get the thanks button onto my message? if anyone could advise, as i am sure it is simple, but have tried for the last week!! :mad: :mad: thankyou
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Snowball calculator
Can anyone give me the link to the snowball calculator that was/is on this site. I can't find it any longer. Thanks a lot Happy
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What led to your lightbulb moment???
Hello everyone January's been a very tough month for me financially (again!) with a huge car repair bill, mega gas bill and debit balance from BT it seems never ending! Sure many of you must have felt the same..... On the plus side, although it's been tough, and I've wondered sometimes where to get the money even to buy…
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CSSS? Debt Plans??
Hi My friend is in debt. The debt involves a loan, parking fines which have escalated, a car lease that the company won't let her get out of, and a mortgage she can no longer pay. She has already contacted the mortgage poeple and is paying interest only at the moment, and has put her house up for sale. CSSS has advised…
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Bank Charges Again
I saw another thread and it reminded me but I didn't want to hijack it. O/H has debts. When he fessed up the first thing we did was withdraw the cash in his Lloyds/TSB account and close it ( cos the bouncing direct debits were out of control ). When I went through his statements Lloyds had charged him over £ 600.00 in a…
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£10,000 Challenge
Hi there. As you all know, I am finally going travelling on the 3rd August 2006. Yippee!!! I have booked my flight (one way) and paid for my visa, but there are SO many other things to buy/before for before I actually leave. I have already started saving and have £3,000 in my travel fund (minus recent travel costs), and it…
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Bank charges
I know there is a big long thread on here regarding bank charges, but I can't find it at the moment. I also know some of you don't agree with going for refunds of bank charges, but I added up the charges for the last 4 years with my bank, and it comes to over £1,400!! I also have another bank account that I had been…
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How much u spent today? 24/01/06
hiiya guys what u spent today? ive spent 80p on 3 slices of toast and two little butters, cos i got out of bed to late to make my self breakfast :mad: will have to spend about £2 today as i need to get some milk and bread when i get home from work today ......
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Please help......
I am sitting here at work, in tears because I can think ofnothing else.... I feel sick to the pit of my stomach, and desperately need some help.... I am incredibly worried about the debts that we owe. I am also worried that in approaching the CCCS that I will start off a snowball effect that will make the situation worse…
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Apr 100.5%
HI , JUST HAD TO SHARE THIS WITH YOU ALL, SAW AN ADVERT FOR A MOBILE PHONE, FOR PEOPLE WITH POOR CREDIT, AND NO CREDIT CHECKS MADE,APR 100.5% !!!!!!!!!!!!!!!!!!!!! HOPE NO ONE TAKES THAT UP. ANYONE SEEN ANYTHING HIGHER?????????????? :mad:
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Hardest/easiest thing to give up to become debt free?
morning all.... for me the hardest thing to give up has been going out. as a single mum and stay at home parent, i have found i really do miss going out, letting my hair down with my mates and having a boogie and a drink! i last went out in october (i think) and am not planning to go out until beginning of april for my…
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CAR legal owner advice
Hi, Does anybody know is the registered keeper of the car the same as the legal owner. Just asking because: The car registered in my wifes name is used by me daily and never by my wife where as the car registered to me is used by my wife during the week and sometimes by me at the weekend. The insurance on both vehicles…
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Any Help for this Newbie?
Hi so if i tell my story, maybe someone will reply with some help... I had a loan with my bank, HSBC of £8000. Unfortunately i could no longer make repayments, and even though i had PPI, they said it didnt apply to me and refunded me what i had paid towards this. They converted my loan into a Managed Loan so instead of…
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Rebuilding Credit Rating
Does anyone have any advice on how best to do this. I have been discharged from bankrupcy for since April 2005 and have only had a few bounced Direct Debits, none since September 2005. I just cant seen to open a normal current account or find any info on rebuilding my credit rating. Thx in advance Hodge
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Couple of questions
hi guys hope a few of you can help me with a few questions i have i currently have just under 25k of personal debt 14k on loan 11k on 3 different credit cards and 4k business loan and 5k business overdraft (as i run my own small business) now i was considering using payplan or cccs due to highly thought of they are on here…
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Scared to death
Hi, I have recently found this forum and have taken comfort in knowing that others are in a similar situation. I am currently about £54,000 in debt on student loans loans and credit cards :eek: This has built up over a couple of years of meeting all payments and living off credit. I recently got some advice from Your Clear…
