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Student Loans
Hi there, I am looking for advice as I have run into some trouble with my student loans :confused: . The problems started in November 2004 when I fell ill (with kidney failure :cry: ) and I have not worked since. Although they were informed (both by telephone and letter) the Student Loans Co still decided to class me as a…
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debtmatters
This is my first posting in this forum and it really is on behalf of a friend. He maintains that he has found the cheapest way of paying off his debts but I don't think he has explored enough. I saw debtmatters on tele and wondered if they really were any good. I would appreciate advice from any of you who know. I am also…
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What have you spent today? Monday 6 March
Was planning on no spend day, but having just shot down a bus lane with a police car in front of me, I reckon I'm now looking forward to a fixed penalty notice through the post. :doh: :doh: :doh: :doh: :doh: :doh: :doh: :doh:
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RBOS Student Overdraft Cancelled
My girlfriend has a student account with the Royal Bank Of Scotland. She's just been informed that because she's now doing a 1 year course they are cancelling her 0% overdraft. They're now charging her 29.4% on £1200! What should we do now? Call up and try to get the rate lowered, or just ditch the account and get a new…
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Moorecroft
I read somewhere that once a debt is in dispute then action to recover cannot be taken if it is it is a criminal offence. Can anyone enlighten me? Moorecroft have sent a debt collector to our home this afternoon and I'm furious.
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coming out of the shadows..............
hi, iv been lurking around this site for a couple of months now and first of id just like to say you lot are brilliant, so supportive of each other and you've got so much good advice for one another, im kinda hoping you can throw some my way. am half way through sorting out my SOA but to cut it short (im getting a bit down…
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One down, one to go!
Rang CCCS with the kind and helpful advice from some members here and also applied for a Step account with Nat West. Had to call into our local Nat West to get them to copy our passports/utility bills etc for proof of identity as I didn't fancy sending those through the post. The manager was extremely helpful but put me on…
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the wonderfull world of ebay
i was wondering what all do u people sell on ebay as i am looking to start and sell some things on it to make a little extra cash as i have to pay of a holiday......... could anyone give me an idea of what i could sell around the house and something that aint gonna sell for only a few pounds .............
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Debt Collectors!!! Now what??????
The situation is as follows: I lived in a uni house in Exeter with 6 others during 2004, I set up blue yonder broadband in my name and received money from everyone and paid via my bank account. I left for Australia after having only set up the contract for 3mths, Blueyonder were unable to change the name in the contract.…
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Credit Scoring!!?? Confused..
Hi, I have read lots of threads on here that say don't rely on the credit score that Experian/Equifax provide as they are a waste of time, and individual lenders go on their on credit scoring techniques. What do they score you on then? I have checked my credit report with Equifax, and it states that I have a poor credit…
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what would you do if ......
i love to hear peoples hopes and dreams so what would you do if you won £100,000 i have purposely left it enough to have some fun with but not enough to ruin you... Would anyone stick to their new found ways or would you go back to your old naughty habits ?????? I would pay off debts put some money away for the kids and…
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Quidco Advice - Sorry if I've Posted on the Wrong Board
Hello :hello: I have just joined Quidco and I need to clarify something. Please feel free to point me in the direction of the right board...I have searched (maybe not well enough??) but can't see specific advice. Is it as simple as this..? :confused: You sign up....you buy something via the Quidco site i.e. a DVD from…
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newbie trying to get in control
:confused: Hi everyone Have just been reading some of the threads to find anyones opion on gregory pennington but can't so heres my dilemma i have roughly 15k debts which were passed over to greg penn 3 years ago when we first started it was brill all demanding letters sent to them they sorted it, but now i feel that…
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the long and winding road...
Long time lurker, first (well second actually!) time poster! Just wanted to say thanks to everyone on the board for all the great ideas that fly around here every day! (snowball site! genius!) I've been lurking for a couple of weeks, not sure that I could contribute much to any of the discussions, but I can empathise with…
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600 credit score
Hi, My credit scores are not spectacular but I have no CCJ's or bad payments for over a year. Here are my scores. Firstly, how disasterous is this ? What will this preclude me from and what will it enable i.e. will I ever be able to get a mortgage etc. Experian: 668 Equifax: 593 Callcredit: 755 Secondly, I recently tried…
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Is there anywhere on here that you can...
...keep a kind of blog? Id really like to be able to write down what I spent for me and if I know that other people can see it Ill be less inclined to spend! It would be really nice to do it in the forum because lots of the things Im trying to do for extra money have come from MSEs. A couple of people have got a thread…
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Is it worth re-financing?
Hi all After reading comments on this site, I've finally taken the plunge and joined. My debt details will appear eventually! I do have a question though. Having looked at trying to pay more back, most of my debt is fixed so I can't over pay. Therefore is it worth re-financing a loan to change to a short term and therefore…
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Letters To Creditors
I'm in the process of helping my son get out of debt, we've submitted his details to Payplan but now need the draft of the letter to send to the creditors asking them to only deal with him in writing and accepting a token payment. I did see one on this site but can't find it now, any help much appreciated.
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Spending Diary
How do you do your spending diary? Might be a dull question, but do you put £10 cash for example, or do break that down further for eg: £1 Magazine, £2 Sandwich etc :confused: Since Christmas I have had a book in my handbag where I put ins and outs, but I have never broken it down and just put £ cash. Any other tips would…
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Working out APR?
Hi, Can anyone help me with a formula for converting monthly interest rates into APR's. Although I know exactly how much I owe, I have never sat down and worked out all of the APR's (and there are a lot to work out _pale_ ). I would like to be able to work out a debt free date using the snowball calculator, but with some…
