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Confused..what do I do next..
Right have done the best I can now on saving money,reducing outgoings etc and have managed to chop quite a chunk off my debts so its now just a case of snowballing them correctly..I think! Whats really bothering me though is the morganstanley apr is 26% :eek: and barclaycard is 19.6% (is there a fainting icon on here…
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The last week in my life without credit
Hi all Into my third week with no credit cards. Some amazing things this week. 1) Was offered a sunday night shift off three hours. Wouldnt normally bother as tips are bad and minimum wage so would have had a policy of not bothering and using credit card if short. This time i took the extra shift. Mainly because with no…
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Couples and joint accounts
Sorry if this is the wrong place. Can a mod place it correctly? I was wondering really after reading some things in this board about people in marriages/relationships who have hidden debts from their partners. How many of us have joint finances/accounts?? There are lots of arguments for and against... so I throw the floor…
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The New Me
Hi Everyone This is the new and improved me, I want to tell you all about it just in case anyone is having trouble sleeping and because thanks to the help and support I have received from you all I am now able to say I am new and improved. Basically when I started lurking about this site I was nearly 63K in debt, as a…
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My situation. Advice for a newbie
Hi there guys and girls, I first joined up to get advice with a relatively easy £32.09 from a debt collectors. This is now sorted, but I thought I'd ask for advice on the bigger picture. I'm 22yrs old, and about to finish University in June so thats when my overdrafts will start racking up bills i'd imagine. I have the…
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just a question
i am wondering if anyone knows anyone who is NOT in debt as i am finding more and more and more people who are not necessarily in it like i am but are still in it up to their eyes i even know someone who owes twice as much as me. So just wondering exactly how common our situation actually is ????/
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Whats a Good Credit score?
Whats a good credit score for Equifax (or generally) and what is the maximum score you can have?
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***new+scared But Need Help***
Hi after months of browsing I have finally decided to register and hopefully get some help! Income after Tax = £1035 per month Debts Clydesdale/Label Store Card -382.64 29.80% Virign CC -1930.93 24.90% Royal Bank of Scotland CC -384.63 0% Egg CC -786.60 14.88% HSBC Current Account -1543.72 (only 1000 limit so getting…
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Please help with advice
I hope that someone - somewhere can give me some advice please I am really struggling financially and i will list my outgoings etc as follows: Mortgage at 355/month - owe 62k - house worth approx 105k Black Horse secured loan - 11k - pay 150/month (cancelled the PPI) Loan to parents 73/month - due to end May 2007 Credit…
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Bye bye credit card
Well at last I decided to pay off my HSBC Visa that I've had for a while but I've been making minimum payment not realising that it would take years to pay off with the intrest. So I paid of £256 today and thats one less debt to worry about :) It may not seem like a lot of money to some people but when your only working…
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Fifty Pound note Savers Club
only joking....just felt like being silly.. actually thinking about it I have not seen a Fifty pound note for ages does any one use them, do they come out of cash machines ????
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bank charges
hi, can you reclaim bank charges after the account has been passed on to a debt collecting agency and do i need to contact ther bank direct the account is now 7months with debt agency they wont accept its in dispute reguards andrew
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Need some info
My dad was just about to go to bed when he heard someone knocking at his next door neighbour’s door, he heard the man mention his name and he went down stairs to see what he wanted. Apparently someone had bought a TV and DVD player and made a couple of payments and had given my dad’s address. The man said the person had…
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feel like putting my head back in the sand - help!
aaaagghhh!!! bailiffs letter received today - they are not listening to me! i have been sorting through all my debts but equita have proved difficul to deal with! the debt is a parking fine going back to jan 2005. i appealled against this but was too late for the process and the fine was upheld. due to lots of difficult…
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Long time lurker now needs help
Couldnt find any rules about cross posting,soapologies if I have done this wrong (also posted in credit card forum, but thought I might find some helphere too) I have just been turned down for a LOB transfer by IF and also informed by my CC that they cannot offer to transfer my cc to one with a better rate.This one is with…
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IVA Disaster or Saviour any experiences
Hi Firstly sorry if I have not posted this in the right place. My husband and I find ourselves owing £158000 this is split between business debts and personal debts . We have been told our only viable option is bancrupcy or interlocking IVA's. We would love to hear from anyone who has entered into an IVA. We are looking at…
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Equifax...
Okay.. can someone explain (as I'm being thick!!) under Credit Agreements where it has "number of accounts" current is that meant to reflect the number of credit ties?? (that they are aware off??) And Pervious search is how many credit checks you have? So if your agreements got up.. but not your searches.. they didn't run…
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In debt - financial associations on Credit Report
Hi all, Me and my partner have a disagreement about whether my debt should affect his credit. The basic gist of it is that I have 3 defaults and am trying to pay these off via a DMP. The only financial association we have is on a loan that gets paid in full next month. When this is finished I was going to fill in the forms…
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Help! Please does anyone have an address for Littlewoods and Littlewoods Extra
Hi all Wondered if anyone could help me with an address for Littlewoods and Littlewoods Extra (might be the same). My two accounts with them were with Scotcall, wrote to them asking for CCA and they replied to both letters saying they were no longer dealing with my account and it had been passed back to Littlewoods. I…
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Pension vs Debt?
Hi All Apologies if this has been asked before but I started a new job recently and I have a pension meeting coming up at the end of the month. As you can see I have debts below so I was wondering what your views are about starting up a pension whilst you have debts? I'm only 24 but the company I work for are offering a…
