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Can my bad credit affect my ex-housemate? PLEASE HELP!
I have a history of bad credit (which I am now on my way to resolving although my score is still quite low) and I am worried how it might affect the owner of the house I moved out of in Noivember of last year. She has just applied for a new mortgage and been turned down. although she doesn't have many details yet her IFA…
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How much to pay off loan?
Eight years ago my ex left suddenly never to be seen again. :j He did leave me in a considerable financial mess but against adversity, I've managed to get by. I've got three debts that are paid under an 'arrangement' each with a debt of around 2k. These are dealt with not by the original source but by a collection agency.…
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Returned car Help!!!!!
i recently returned my car of which i had on finance. and i recieved a letter saying Following termination of the above agreement.i am writing to inform you that your liability under the hire purchase agreement and agreement for optional insurance has been calculated as follows: half the total amount repayable under the…
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First Anniversary - Please Please Help!
I debated whether to put this on DFW or the OS board but I plumped for DFW as you've all been so helpful so far and being debt free is still the name of the game. My gorgeous hubby and I are due to celebrate our very first Wedding Anniversary this Sunday and we are SKIIIIIIINT! Now the main thing for us is that no matter…
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Money's even tighter thanx to tax credits again!!
Hi, I've just come off the phone to tax creidts wondering why i didn't get the £200 i promised my rent officer (whilst they try and sort out how much housing and council tax benefit i should have been gettting for the last 6 months). Guess what they don't know either, apprently it FELL off the system, but i will get my…
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Not As Easy As We Thought
Fiance is currently going through CCCS and today had a snotty letter from Lloyds TSB, he phoned them and they deny all knowledge of receiving anything from CCCS and have now withdrawn his overdraft limit and will be charging 29.9% APR a year on it and will be adding a charge of £30. Also GE Money have phoned up and said…
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Turned down for the first time interesting update
Well I am feeling slightly bemused. After all this discussion, youll never guess what came in the post today. A letter each for OH and myself containing the pin numbers for our new American Express Platinum Card account. Had to run to the shredding box to find last week's letter to make sure I hadnt made a mistake, but no,…
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Help & Advice please...
Hi All, Had a lightbulb moment just after Christmas and have been reading through the site at various times since, been trying to manage things and now have got to the point where I seem to be going round in circles but not actually achieving anything. Basically I have approx. £50k of credit card debt in my name together…
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Need A Laugh? Read This!
I've just sat on one of my spuds and it's killing me! :o :cry: :rotfl:
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What would you do with £100 right now...??
OK a little light relief.. A little old lady has just given you £100 for helping her across the road(!). This is money you never had 5 minutes ago,the months contributions towards debt repayments have gone through,bills paid etc etc...and this is spare... What would you spend it on? T.
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What should i do!?
Hello there! Ive been visiting these forums for a while getting advice but i think its time to face up to my problems right now! I am going to be moving in with my boyfriend soon and need to have paid off alot of my debts before then - he doesnt know i have debts cause im ashamed! All of the debts are from when i was young…
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Idea for DFWs
Hi Everyone, Don't know if any of you have done this yet or even if there has been a post about it (i'm relatively new!) but I've come up with a little table that is spurring me on to carry on and chip away at those debts. I have worked out how much I will owe ever six months (approx) until my debt is clear and if I carry…
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Is Bankruptcy My Only Option?
I have asked this question on another board and I think bankruptcy appears to be my only option but any further options would be greatly appreciated. I am in roughly about £7k-8k debt on credit cards, I took out the credit cards when I was working and could afford the repayments but since my health has taken a turn for the…
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having palpitations
I've been lurking on this forum a while and have finally got myself together to take a look at my financial situation which I knew was bad, As I haven't defaulted on any payments and still have credit available I have been able to ignore to a greater or lesser extent. I guess this is my lightbulb moment but a bit of a…
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School Uniform Exchange
Wondered if you wouldn't mind giving me some feedback on an idea thats bouncing around my head. I do a bit of web development at work and I also like to spend the evenings 'doing' or 'learning' something new - currently I'm getting down to taking the web development thing to a more complex level (having something to do in…
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Moorcroft representative calling
Hi all, I'm in arrears with United Utilities which has been passed onto Moorcroft Debt Recovery Limited, I sent them a letter the other day explaining that in my current financial position I can only offer them £5 a week, they then asked me to provide a breakdown of my expenditures which I did and proof of my benefit…
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Jumping straight to bankrupcy
IMHO the "proper" way to sort unmanagable debt is to 1 - speak to creditors, hopefully freeze interest, and restructure to something affordable 2 - IVA / DMP 3 - bankrupcy Now a friend of mine owes £34500 and wants to jump straight to bankrupcy as "that way I don't have to pay anything back" Doesn't seem right to me. Apart…
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Please can anyone help - Credit report
I have today recieved my gredit report from Expirian 1) There is an unsettled default from Barclays Bank for £82 which I settled ages ago :mad: We cleared the account to a £0 balance but Barclays charged £30 because we weren't using the account the charges kept going on. We spoke to them about it and they advised it was…
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What can they take/do
i posted a few weeks ago about next passing my debt on to a collection agency today i had a card through the post which i know is from them by the address on it. it states they are comeing out between 5.30 and 7.30pm what can they do when they come out i assume they are going to take stuff away its stressing me out now,…
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What happens if you don't pay
I know someone who is in denial, complete total and utter denial of his debt problem. He is curently hiding at freinds houses to avoid his creditors and their balifs, all his stuff has been shipped out to the girlfriends leaving some very basic or very broken stuff at his own rented house. He has been unemployed for a…
