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My S.O.A. How can I make it balance?!
Hi, I am trying to sort my money out and thought I would start with a S.O.A. Bear in mind that I am in a relationship with my partner who I live with in a privately rented house. Due to the fact she earns double my wage, she agreed that we will total the bills for the house, and she will pay 2/3 and I will pay 1/3. I will…
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CCCS (and others) or Not, to Help With Debt?
Hi, I'm new to posting, but not to MSE, so apologies in advance if this posting is in the wrong place. But I have been reading (and been inspired by all of you) to become debt free (probably won't be till 2020 tho)!!! However, I would like your advice on whether to go down the CCCS route or whether it's best to deal with…
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Defaults at 6 years
I've just got a credit report and have 3 defaults on there. I understand that defualts can come off after 6 years but they all seem to have different date data. I have a default for HSBC with a Date Satisfied of 29/08/2000 but a Date updated of 31/01/2002. I have a default for Orange with a Date updated of 03/07/2001 but a…
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Help needed
Having posted here before, and been struggling being self employed, I am taking the bull by the horns and applying for a job. I am hoping to hear first week of April, and would probably start beginning of May. I will have a basic salary plus commission, but need help in managing my budget, as my expenditure is always going…
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not an easy question, I know, but any advice?
I'm in the process of trying to sort out my credit file having been refused 2 credit cards over the past year. I discovered that equifax had NO info on me at all - after a couple of calls they found me on the electoral roll and that's now sorted. They also didn't have records of my credit card (since feb 2004) and loan…
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Pay off loan or cc???
Hi My OH received his back-pay this morning - £5300. :j We have already discussed that this will be used to make a huge dent in the debt we owe. Although he's had to wait over 18 months for this money,I'm soooo glad it's worked this way, as otherwise we would have wasted it all previously. :mad: (Lesson well and truly…
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Grr, i hate this time of year
Morning all, I've been doing so well since christmas, i've really cut back and have been paying extra on my CC's. But this is the time when my plan gets messed up - when the council tax bill and water rates come through. It has been so nice not having these extra payments per month. £100 to the council is going to affect…
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What have you spent Fri 24/3/06?
I have just paid £550 off of our debt will pay some more off on Tuesday and should take us to sub 30K!! :j I have paid off our Partnership cc today another one gone and it feels fantastic. Off to do the weekly shop now. Have a good day everyone. :T
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How To Come Clean With Oh - Advice Please!!!!
Hi - ive done my SOA yesterday and posted it on here - thanks for all your advice so far by the way. A major problem for me is actually putting my OH in the full picture - he knows were struggling a bit - but not the extent - it hought perhaps printing the SOA off and shoving it in his face might do the trick - but i feel…
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Health and safety issue at work
Hi. Sorry if this is a bit off topic - not sure where it fits in. I started work as a lifeguard a month ago at a local pool. The ventilation system in the pool broke down 2 weeks ago, and they have kept the pool open. Fumes from the chlorine build up in the air and make your eyes sting and breathing difficult. I have been…
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Credit file
Is it possible to view my credit file for free?
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Thanks to this forum
I owed my bank £7,300, overdraft, loan and visa card, and was struggling to pay the £300 a month i had to pay. Then my OH lost his job and things really came down on me. But with all the advice i had learned from this site i knew just what to do. I wrote each department a letter offering a minimul payment of what i could…
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what is this default notice?
Hi there I've just got a default notice (served under 87 (i) of the Consumer Credit Act 1974) and wondering how serious this is? It's just that i'm trying to clear my credit record ........I have mentioned before i have a small debt but it's been outstanding for a long time, so it's a bad debt and i am now looking to…
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Feeling very scared and alone
Hi everyone Well (deep breath) I need help and advice. I am £35000 in debt and I am panicking. My husband does not know and I can't tell him either (he can't understand how people can get into debt!!!!) I am off work on Maternity leave until September and since our baby was born the relationship has been strained so I…
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PAYE Changes each month
I understand that the more you earn, the more tax and national insurance you pay. But since putting my budget spreadsheet together I have realized that the percentage of tax and national insurance I pay each month changes depending on how much I earn. Is this usual? :confused:
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New post and need help !
Hi i know im not the first and wont be the last but im really at the end now... Up untill a year ago all our dept were being paid and we had no worries and then my husband had to give up the pocket money hobby he was doing that paid the depts and now we are strugging badly We are a married couple with 4 children and one on…
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IVA declines
Anyone have any experience of going for an IVA and it being declined? What happens when your creditors discover you're in money troubles? Payments up to date at the moment....
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Egg - The rotters! (no pun intended)
I've just called them to cancel the payment protection that I had (£34 a month) and requested a confirmation on my apr's. The balance I transferred in March is at 0.% but the balance I already had on there is 15.9%. So taking advice from everyone here I asked if that could be dropped down at all...........they said *insert…
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How do I cut repayments in the short-term?
This goes totally against all Martin's best advice but my fiancee and I need to move short-ish term debt to a longer period and I'm hoping someone can suggest the best course of action. Two recent promotions and decent payrises mean we collectively earn £60k but a legacy of naff wages (and bad budgeting) means we have…
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Some advice on default showing on Experian report please
My brother went to get a new mortgage after two years, as the fixed term had ended. He had a mobile phone which he cancelled, but they said he owed them £19 for the last payment. He contacted them about it and they said they would drop the charge, mainly because (I think) he sells their products anyway. He made the mistake…
