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empty credit cards: cancel or keep?
Hi guys I'll be paying off my first credit card balance in March, it;s a barclaycard, and I had an existing customer LOB BT at 6.9%APR on it. I'm also coming to the end of my BT offers with Virgin and HSBC, I have lined up an Amex card to transfer them onto at 4.9% LOB. To be honest, I haven't considered tarting around at…
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Trying to find a post
I am trying to find a post that contains a sample letter to send to Credit card companies and the people they sell the debts to that asks them for information but that you are not admitting to the debt. The search function is not working for me at the moment and I have looked back through numerous pages but cant find it -…
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Yes Car again....advise please
Yes car credit keep on writing letters to my address for a good mate of mine, he does not live at my address and stayed with me for 2 weeks this time last year. I have informed Yes that he does not live here, however they still write to my address, I have had enough of these letters -- apart from telling them to stop - and…
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Equifax credit report question
Hi There, I have a satisfied default on my Equifax credit report from approximately 1 year ago, at my previous address. However, just above this there is a summary which lists this information: Current Previous Number of Accounts n/a 2 Number of Defaults n/a n/a There is also no default date on the account information,…
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what can you keep?
Hi thanks again for all your help!! next question what can you or are you allowed to keep when your made bankrupt? Hopefully we can keep cars we will see on that but i mean electrical stuff im in retail so tend to get stuff on staff promotions from makers i have a good hifi system,2 tvs dvd player and recorder and for a…
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Where to go from here?
Hi there Yesterday I finally (!!!) paid off the last of the debt that has been hanging over me for the past 6 years :j Now I'm getting married later this year and we want to start looking to buy a house either later this year on early next. Will the fact that I've paid everything back now reflect on my credit file, or do I…
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at last
At last i am facing up to years of debt denial , What a mess . But the future has got to be good , I have been viewing the site since Nov 2005 ,getting tips and putting a plan togther , So i have just signed and posted back my budget sheets etc to CCCs and written of to all my creditors, As others have said MBNA are not v…
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5p listing day on eBay on THURSDAY
Just in case peeps have stuff to sell, it's cheap listing day on the 12th. I would be selling stuff but pix are on mate's camera and he isn't around for me to download them and write my listings :( Have to wait for next one.
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How much did you spend today? 10/01/06
hello all! today i will be spending zilch. had my lightbulb moment yesterday when banks bounced 7 direct debits to the tune of £38 each and i have realised this cant go on...so i am planning on having as many non spend days per week as possible!
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On my way to becoming debt free :-)
Today was the day I have FINALLY did something and started throwing money at my debts. It was my first proper payday of my brand new well paid job and I've now got the disposable income to pay of more than the minimum payment required for my bills. I had my lightbulb moment some six months ago when I saw Martin on this…
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Spectrum
Does anyone have any experince with Spectrum - a company that cherge people to help them through an IVA? I'll explain our story. My girlfriend built up debts of aprox £25000 before we met! She tried to get help with Spectrum. They charged her £1100 and told her to stop paying her creditors and they would help through an…
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Not sure what to do.............
Can anyone offer advice please? I have a credit card debt to MBNA of nearly £3,500 and I have been late with a couple of payments in the past. This seemed to affect my credit rating (which was always unblemished!) as when I tried to move the debt to a no interest offer with Virgin they refused. Since then, and with the…
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Concilia
Hi all, I'm a single mum on benefits and I have arrears of £117.00 which is for United Utilities and arrears of £136.00 which is due to British Gas for the electric! I pay off these debts using prepayment cards but I missed 2 weeks payment before Christmas and now I keep receiving letters from Concilia saying I now have to…
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end of the line?
Hi all Im new here but have read a lot of your threads and its all good! Anyway to cut a very long story short i have just saved up the money to go bankrupt both my wife and i,we have debts of £120,000.00 all on credit cards and one unsecured loan the fast bulk of it is mine just over £20,000 is my wifes All been my fault…
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Scottish Trust deed
Hi there I am in 30,000 worth of unsecured debt, take home pay £1450 p/m, partner takes home £600 p/m. 3 kids, council house. Monthly payments of debt around £800 p/m, before any household bills or anything are taken into account. This is simply payments on CC and loan repayments. Once I take into account household bills…
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Experian - creditexpert.co.uk
I've already used my 30 day's trial a few months ago and it won't let me register for another one :( Does anyone know if there's a way around this?
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Asda will pay for you to have your Experian credit report
Noticed an interestng article at BBC News that Asda will pay for you to have your credit report from Experian if they reject your application :j Not sure what their goal behind it is but might be another way to get a free credit report. Their typical apr is 28.8% suggesting that their cc is for first timers or those with…
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£15000 debts
Hi all, I have debts £15000 worth on credit cards and mail order firms and also an overdraft. I am considering a loan of 5.8%APR over 5 or 7 years with the postoffice, it will clear my debts and leaves me with just one manageable payment, and it will cut my outgoings by half, we are renting our house so no equity there! I…
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Correcting details on credit file.
I've started to look at my credit file to put things write. i am currently looking at my equifax file and it shows most of my debts. (still waiting for the experian one to appear in the post) I'm confused about the current status that is showing and what these should say .. any advice would be greeatful as to what these…
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Avoiding default
If I write to my loan provider and point out that I am having difficulty making my monthly payments and would like to either 1) Extend the loan period or 2) Take three months payment holiday to get back on track Will these mean a default on my credit report? (I have missed making the last two month payments)
