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Some advice please...
Hi, We are in a muddle at the moment and need some helpful advice please :o My hours in work have been reduced (no fault of my own, just cutting back on hours) so I'm picking up £80 a week now :mad: (2 days work @ minimum wage) My partner works full time and brings home just under £300 a week. What we can afford and we are…
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Just Faced all my debts first time
I have just looked at all my debts on my credit cards and overdraft,I think this was a good point to start...
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Poll: What's Your Motivation?
Hi there, Inspired by all the hard working posters on this forum, I thought I'd start a little light hearted poll. In my mind - doing anything difficult is made so much easier when you have a clear motivation in sight. (That's why it's called visualisation after all!) With my H I am £20,000 in debt. The reason we want to…
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Clearing credit report of previouse accounts
Morning all, This is probably the wrong board but expect i will get the best advice from here. I recently signed up for the free experian credit report, Iv previousely used equifax and that report is in excellent condition once i got my only default removed. On my experian report I have a few issues with old accounts I…
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Ten commandments
I, AS A FULLY FLEDGED MEMBER OF THE CHURCH OF MONEY SAVING-OLOGY DO TAKE THE PLEDGE TO SAVE THY DOSH AND PAY THY DEBTS ACCORDING TO THE COMMANDMENTS BELOW. ALL WHO WISH TO TAKE THE PLEDGE POST BELOW AND ADD A COMMANDMENT. THOU SHALT NOT BUY ANY MORE CLOTHES FROM THE NEXT DIRECTORY ...Linda xx
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Credit Report Info - Where is it?!
Hi I recently applied for my credit report from Experian which turned up today. The only problem is half of my debt isn't listed on there! I owe at least £10k to HSBC, £4K to Northen Rock, etc, etc. The only thing thats listed on the report is a debt for £200!! Why would this be? Do I need to get reports from the other…
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About to miss a credit card payment...
OK. A quick run down. This is my first post so please be kind ! My wife gave up a well paid job to care for young children 3 years ago. But we never quite adjusted as we thought we would to managing on my income alone. We cut back and employed lots of MSE type advice, but very slowly the debts have grown, to a point where…
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Stupid, stupid idiot.
I'm typing this but don't yet know if I will post it. I have been so stupid. My ex husband and I divorced about 12 years ago. We had 2 small daughters. He could not cope with family life....it was too hard for him I think. Here we are 12 years on. Daughters now aged 17 and 13. They have kept in regular touch with their…
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To the man at the debt admin firm...
that I just lost my cool with. It would be nice if you actually listened to what I said and went away to check it out instead of believing that everyone who calls is a liar and what it says on your computer screen is the truth. If you are reading this: "this is a computer screen - what is on here must be true - the earth…
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acceptable budget for CCCS
Hi everyone As you can see I'm a newbie, I've been reading all the very useful info that you've all been posting over the last few months & have now rang CCCS to sort out my debt problem currently about £21000 (3 unsecured loans,OD & a a catologue) :eek: What I would like to know is if you think that this would be an…
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Credit Report Agencies
Hello again!! Can anybody tell me if there is a specific area of this forum I can talk specifically about Credit Reports (Experian and Equifax etc) and what is contained in them? If anybody could tell me where to post my question that would be great...I only posted this here because it's my favourite part of the forum!…
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Anyone recognise 05557801
Obviously it's not a valid telephone number, but it is the CLI that the caller is sending. I have been called repeatedly by them over the last few weeks, I don't bother answering calls when I don't recognise the number, and I'm usually at work when they call anyway. I wonder whether thay have contravened any telecomms regs…
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How much have you spent today - 12/1/06 ?
Yeah I know! Its only 3am BUT I have already spent money today.. Just paid for my single trip travel insurance. £7.28 was the cheapest I could find, thanks to Martin :D Will be spending a bit today as I have loadsa stuff to put on eBay, but again will save a fair bit as its a 5p Listing day!!! Also meeting a mate in town…
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£170,00 mortgage will bury me.
About ten years ago we had a 120k mortgage. We switched to a flexible mortgage but I spent a period earning almost nothing and the mortgage has grown to 170K. We still have equity but I am over 40 with kids and my wife and I now earn about 35k between us. We can just about afford paying enough to stop the debt growing…
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Query about debts being sold on
Can anyone advise on wether or not i should ask for proof of debt before making payments, Outstanding debts of 3 of my creditiors have been sold on to third parties, Blair Scott & Oliver............1st Credit,,,,,,,,and Credit Solutions 3 of my creditors have obviously lost patience with me only being able to make minor…
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Out Of Control Debt
Hi, What do I do? I am hugely in debt to the amount of 80K and wonder whether going bankrupt would be the best option. All my debts are unsecured apart from the mortgage on the house. If I file for bankruptcy, someone please tell me whether my house would be safe. So long as I don't default on the mortgage then surely…
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Pay part of my mortgage or clear my credit card
Hi Guys I have about 3 grand spare from an endowment policy and am wondering whether to clear my existing credit card debt or pay off a small portion of my mortgage. I have been tarting for about 3 years now and have managed to get another 9 months interest free on my credit card. I owe about £64000 on my mortgage and…
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bad credit help
hi....can anyone give me any advice.... ive got a number of debts which for quite a while i couldnt pay and they are now with debt collection agencies where i pay off money every month and have everything under control...however i still have bad credit... ive got a basic bank account with cash card but not debit card or…
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Snowballing order
i understand the concept of snowballing but am confused by one prbably simple thing. i have the following debts - Tesco Loan - £8100 outstanding with 4 and a half yrs to go, £170p/m @ 6.5% Amex nectar card - £3000 outstanding 5.9% for life of balance, £80p/m min repayment Abbey Card - £3000 outstanding 0% run out in june,…
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Online Surveys - getting paid for them
Hi, I fancy doing some online surveys to raise some extra cash - has anyone done this, and if so, which surveys did you do? Are there any that should be avoided?
