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HELP! (Mortgages & charging orders)
Hi I've posted on here before about my lovely happy relationship with the vile bunch at egg. I thought it was all dealt with, but no! Our fixed rate expired on our mortgage at the end of December. The payment amount has shot up from £618 p/m to £956 p/m We are paying Egg £82 (plus they have a charge on the property) and…
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How much have you spent today? 18/01/06
Nothing!! Weather is so bad here that I haven't even ventured out :rolleyes:
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Charge on the property
Hi, and thanks for the advice in advance. I have just been speaking to a creditor, Allied International Credit Uk on behalf of The Royal Bank of Scotland. I phoned them to tell them I was talking to cccs and would be making a payment and be in touch again once I had received some advice from cccs. Allied responded with (in…
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Newbie ina mess- where to start?
Hello all, I am trying to sort out our finances at long last but dont know what to do first. We have an Egg card with £2400 on it , a personal loan for £10000 and a car loan for about £3500. Do i try and pay them off one at a time, which will take forever? Or can I lump them together? Was wondering(dont scream) about…
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Recently widowed; husband had debts I did not know about
I’ve had a look through a lot of this thread and haven’t come across anything exactly like my situation yet, and as I’m in a desperate situation decided to start my own message board despite the fact that I’ve never done anything like this before. My husband of 40 years died at Christmas, a year after a terminal prognosis…
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Please advise - Debt Management / Credit Score
Hi Everyone.. I'm new to the forum and just wanted some advice.. here is my current situation: total debt amount = £12,000 (roughly) citifinancial loan = £5500 hsbc loan = £3500 blackhorse loans = £2000 These are my 3 main creditors and on their own the monthly repayments for those were about £400 each month and plus…
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small time stooze
hi there, next month i will have paid off one of my credit cards...i dont have the credit limit good enough to get a 0% card, so am doing martins shuffle... i have 3 cards all at really crap interest rates card 1: card limit £250 balance £0 card 2: card limit £480 balance £400 card 3: card limit £600 balance £520 i am…
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Where do we start??
Finally pulled my head from the sand and am feeling like I can tackle our mountain of debts thanks to this site but where to start! :confused: Long story living above our means credit cards and loan,then double whammy of two kids with disabilities thrown in.Had to pack up work which left us in the mire slightly :eek: ..but…
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Major help needed
I have debts of £9000 on credit cards. I can no longer get any more credit so can't swap to free balance transfers etc. Does anyone know of a way I can consolidate all these together so I have 1 monthly payment - I am on Maternity Leave so can't prove I have an income. This is really depressing me now, I want it sorted...
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Is this ok?
Just found out that a family member had borrowed some money 3yrs ago from a money lending company (not a high street name!). They were occasionally paying £20 per month back, but because of difficulities haven't paid a penny since last June. They owe nearly £1k but after telling me their situation I contacted the company…
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More Help please
I am just about to go bankrupt for the first time and am scared silly, Can they take anything from our rented home if it belongs to my wife who is not going br? do i declare such items as assets or not?
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call credit and equifax
How can 2 credit refrence agencies have completely different information on me call credit rates me as a fair to good risk as i have had previouse finacial problems Yet equifax puts me down as poor which i think is more realistic how ever still confusing as my credit rating has got lower in the last threee months with them…
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Hello!
Thank heavens I've found this site! I will tonight prepare an SOA for you lovely lot to shower with advice on the best way forward. I estimate my debt to about £25k although I'm exactly sure. I'm not looking forward to what I'll find tonight _pale_
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over paying on loans
I have 3 loans and wish I had found this site sooner, I hate seeing the amount of interest added to the amounts I borrowed and the stupidity of myself as I dont even have anything to show for the borrowing :( Barclays loan £83.75 (until July 06) Halifax £76.45 (until May 08) Lombard £209.01 (until Feb 08) anyway, my…
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Court Action
Well i just get my unsecured debts under control with the help of Payplan and get a telephone call today from Paragon who have decided to take repossession proceedings against us £2,000 arrears and £35,000 debt i have agreed to pay them £600 per month but they wont stop the court action. Does anyone know what te chances…
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New sig?
Agree/disagree? Improvements? All comments welcome
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Other options?
Hello - 1st post so be gentle with me! Currently making the standard monthly payments (£73) towards my Student Loan (£4,000), after ignoring it for a few years. I was thinking of rounding up my monthly payments to £100 to get it paid off quicker. Is this the right thing to do or would I be better off putting the £25 a…
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I really think I can do this...!
Have just become a member of this fantastic site! What an inspirational place this is... all the advice from all its members has already encouraged me to question a couple of entries on my credit file, reduce my credit limit on one of my credit cards and open a savings account! And I only discovered the site yesterday!! I…
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Student Loans Make me Mad! any advice
I have found out that in 8 weeks i will no longer have my job. After juggling and budgeting already and starting to make a real dent in Our debts; we now know that we can afford to still clear out debts and survive. However!!! The Loans company want me to continue to pay my Student loan for 3 months after I am out of work…
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am on a virtual hamster wheel and want to get off
Right I am baring my soul here so please dont shout at me until you have read this all the way through "gulp". My husband and I have been in big time debt for the last 10 years,(long story mainly my husbands gambling probs)and bad management of different problems over the years. At one point our pay was going in the bank…
