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Quickie regarding credit checks..
Hi all Probably a silly question but do companies or even individuals have to gain my consent before doing a credit check on me?Or are some companies that are registered,say, in the Financial Services Industry cleared to carry out these checks without consent? Might be unrelated but I've had an awful lot of junk mail come…
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DMP and Bank Accounts
If one was go go down the DMP route, would one have to close all bank accounts? I have two at the moment... Thanks Steve
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Need to find £1,000 quickly!
Part of my debt is made up of £1,000 which I borrowed off a friend. They urgently need it back and my deadline to pay it is August. I know borrowing off friends is always a big mistake, but hindsight is a wonderful thing and doesn't help me now. Okay, I can ebay some stuff but that wont bring in much, work don't offer…
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my soa what do you think ?
incomings 1200 a month wadges 300 a week max can varry 100 a month child benefit 4800.00 debt 3800.00 cc 15% apr £90 a month min payment 1000.00 overdraft £7 a month charge outgoings 100.00 a month council tax 90.00 a month visa 70.00 rent a week 7.00 gas meter a week 7.00 elec meter a week 40.00 shopping a week 10.00 4…
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For those who done or know about bankruptcy advice needed please!!!!
please can you tell me what you know! i have just had a bust up with my hubby about bankcrupty! he says if we go bankcrupt we still owe compnys money and they can take any or our assets . ie telli, hifi, computer etc please tell me what happened to you ! thanks in advance
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Being Selfish
Hi , I posted once before about my bf's debt , several months on now and nothing resolved but some progress has been made - no lightbulb moment just a gradually increasing dimmer switch type effect. To recap he's around £35k in debt , salary of £21k and works for the Inland Revenue so there are work implications…
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Should I sell my house?
This is my first post, and I hope this is the right place for it - rather than the mortgage forum. I am 49 and because I first bought my house 21 years ago, there is about £200,000 worth of capital in it (it is now worth about £400,000). However, I am also £53,000 in debt on unsecured loans. Part of the reason I am in this…
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Irresponsible Lenders
I cannot believe how irresponsible some lenders are! Twice in the past 4 months I've contacted Virgin, and each time they've tried to push a loan onto me. Then logging into my online banking account, I'm apparently 'approved for a cash loan which could be in my account within 3 hours'. It makes me sooooooo angry, I've got…
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Claiming back PPI-HELP!
Hi, I've just looked and realized that I have PPI on a personal loan and CC (both Lloyds) and since I am on a DMP with CCCS, I would like to claim it back, therefore hopefully reducing my debt-I am self employed and should never have been sold it (or rather, taken it out in the first place-thinking it would help me when it…
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postings happy
:j my credit card has finally taken my savings account money so its now under £100 :D and my other credit card has taken their monthly money so thats now under £300, still loads to go though but i am getting there, fingers crossed my laptop sells this week on ebay :dance:
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Sold
Hooray I sold my 1st item today on Amazon. I only made £3.50 but it was £3.50 that I didn't have. Have spoken to the OH aswell this weekend and we have decided to rent out the spare bedroom for extra money. Just hope that we can find someone now to rent it. Still feeling depressed but things are looking up…
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To Keep or Not to Keep?
Hi there guys! I would really appreciate your advice, it's not a serious problem or anything, I'm just not sure what to do.:confused: I have recently lost a lot of weight and all my clothes are now hanging off me and generally looking pretty rubbish. I went to Sainsburys this morning and found a gorgeous pair of trousers…
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A quick update...
....on this thread here and this thread here. I moved into a rented studio flat at the end of January which costs me £425 a month, still haven't managed to make lunch to take to work with me which is where most of my money goes... One big problem I have is that my kitchen is tiny and I don't have much storage so I tend to…
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Wrong debt
Hi, I'm seeking advice about wrong person's debt. We received a letter from debt collecting agency regarding the unpaid debt which we have nothing to do with, and this person has same name as my partner. We obviously dealt with the agency and they explained that even though mistake's been corrected we may get some letters…
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Starting out
Hi, After reading all the great support on this site I've decided to air my circumstances in the hope of your encouragement. I am in debt to the tune of £14,000. How did I get here? Well, I did have 2 crushing years with no income and a family to support, and then I moved house in Jan and this cost me a minor fortune in…
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Which bank let you open an account if your in a DMP
Payplan told me i needed to open a new bank account, and told me to go to nationwide and quote my reference number, the woman said she had never heard of payplan and i prob wont get an account with them i know i should have asked payplan but why do i need to set up another bank account and has anyone else had these…
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ARC (Europe) Ltd (Debt Managment)
Apologies if this has been posted in the wrong forum, or if it hasn't then i take that back...but.... Has anyone had any dealings with these people?? They are by far the worse people i have ever had to deal with, their customer service is terrible and they seem to be more interested in collecting their commision than…
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I am so scared
I am so scared & worried about our financial situation. I can't see any way out. We have a DMP with Payplan which is going to take years to pay off. Hubby owes money all over the place & we had to pay out to get the car fixed the other week, an unforeseeable event but one which we couldn't afford. In paying the bill for…
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Expensive Side Effect of Money Saving!
There always has to be a grey lining to every silver cloud, doesn't there? Since starting our money diet, we've not had the cash to buy so much junk food, hence we've been eating a lot more healthily. This means that in the last couple of months both my wife and myself have lost around a stone each. That's coupled with…
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143 years to 14! My DMP
All journeys start with one step, as the saying goes... When I first started my DMP, it was going to take me 143 years to pay off :eek: ...obviously NOT an acceptable situation:o I've finally become registered to be a child minder and have been able to increase my payments 100% in 2 months and now, it'll only take me 14…
