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IVA Amendedment - what does this atually mean?
I have just had an IVA accepted but was told 15 minutes before the creditors meeting there was some changes to my proposal that if agreed to, would be accepted. When they were first read out to me I could not see the difference between an IVA and bankruptcy as it felt I would lose the house eventually anyway, but I was…
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Spending Today - Thurs 13 Apr
Morning all :) Today is one of those coffee days for me so I'll be concentrating on enjoying every penny rather than saving them... Damage to be posted later...
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EXTREME way to clear my debt!!
Hello all! Last month i decided that enough was enough with debt, being £8,000 in trouble and the minimum payments not even making a dent! SOOO....ive handed the notice in on my rented lovely little house and im going to live with my mum until christmas! My outgoings are £600 rent and £450 on bills (absolute basics, no…
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Credit Scoring Question
In the case of a default on one's credit record which is marked as satisfied although the actually default is there for six years does the fact that it has been satisfied do anything to improve the credit score? When potential lenders hit the button what do they see - is it the whole of the record or do they just get a…
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Honours Student Loans
I have arrears with this company of approx £400 and charges of about £190 outstanding. Despite them contacting me by phone, I haven't actually set up a standing order and keep receiving letters from them threatening court action. I'm determined to get my standing order set up in time for end of April wages. Is this classed…
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Climbing Back Aboard the Wagon
:hello: Hi peeps. Been feeling a bit low over the last few days (some of you may have noticed! :rotfl: ) after falling off the wagon last week/weekend. Felt so disappointed with myself when I did all my calculations and I seem to be in a worse state then ever before. ** Well I am feeling a bit better and have started…
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increase credit rating
This may be posted in the wrong section. I would like to ask how one can increase their credit rating. The person in question has ccj`s and had her house reposessed. she is now debt free and has a really good job but she hasn`t even got a credit card. any ideas how she can make her credit rating better.
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Soo Stupid
We've been so stupid over the years and have gotten into a right pickle.. so we've totalled it all up and its just short of £45,000.00 We contacted the CCCS and are waiting a session.. I just wondered what happens then? we've informed the relevant peeps so i guess its just a case of wait for the calls to start which is the…
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Loan advice stupid charges
Basically I have a personal loan payments of £36 per month through my catalogue, reasonable interest. Anyway through error my bank cancelled my direct debit and the comapny refused to reinstate. Payments were due on the 25th of the month so on 17th I sent a cheque. A few days later they started calling me demanding…
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My dad is the best!!!
i had an overdraft of 1800 and couldn't get it down as i was living off it, well he has paid it of for me and now my O/D is shut down (after a vvvvv frustrating conversation with an indian call centre!!), i have to pay him back but it gives me a chance to repair my credit rating alittle quicker whilst having one easy…
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Using Savings To Help Pay Loan Off Early?
Hi, I currently have £3000 in a savings account and am wondering if I should put them towards paying off my Nationwide Loan early? The Barclaycard will be paid off at the end of the month (no interest) and the Nationwide Credit Card is 0%APR for 9 months (The £1100 is not even on there yet as I dont even have the card yet…
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I hit a milestone earlier than expected!
Before I never really thought that getting a card below a certain figure would make me happy, just wanted it clear & that was that. But since coming here I've realised that you need to take it slowly & celebreate each time you go below a certain figure (ie, if you have 4500, a milestone would be getting below 4k). So here…
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DCA's
I personally think that DCA's either deliberately don't do their jobs (if you can call it that) properly or they employ people on such a low wage that the staff can't be arsed doing their jobs properly. I have had over 6 years of various DCA's writing to the previous owner of my house (it had been reposessed before I…
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MSE has bettered my life.
Just thought I would say a thank you to all on this board. Since joining and reading various posts and being motivated to sort things out my life feels so much better. Actually finding out what my APR's are I got the shock of my life on some, one was 24% and another was 39% :eek: Luckily these were not for huge amounts in…
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What is the offical DFW definition of an non spend day?
I don't mean to sound thick but I was thinking about this today...... one definition I came up with was not spending money on non-essentials - magazines and the such like and then I thought of the other version, the more logical version where you spend zilch all day. So come on guys which version is the more realistic?
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Consolidation Advise Please
i think i need a loan for consilidating all my debts into one. at the moment i pay 4 loans to 4 different companies (well 2 are with black horse finance but they wont let me put the 2 together to make payments a bit easyer). any advise , just sick of having no money left at the end of the month, in total at the end of the…
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can you believe it
i called the HSBC automated service today for a bal and a real person came on the line to let me know that i had been pre approved for a CC with them we have always banked them and have recently changed to a mortgage with them we also had to take a loan 18 months ago to clear their CC so they know our debts!!! she then…
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Reasonable cost of living
This is a question for those who have been through the mill with IVAs and payment plans. What are considered to be reasonable costs of living and can a sport or hobby be included in this? :confused: I am past this stage and almost debt free, but I'm sure that I caused myself some avoidable problems by going it alone,…
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Got a minute?!
Hi all Just wondering would anyone have any ideas for me? I have a basic bank account, no debit card, credit card or cheque book. My bank wont give me a debit card and I would really like one. I cant even get cheaper house insurance without making a initial payment over the phone or net. I feel I'm between a rock and a…
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tax...
Just thought it might help anyone to know that if you have to pay a subscription to a professional body ( can be a union in some cases) , or have to wash uniforms at home you can get a tax allowance for this and they will backdate it for up to 6 years. I know this should be on the tax board but just thought it could help…
