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Considering setting up my own DMP.
Hi, Anyone who has done this, is it more difficult than going through payplan or cccs? How would this affect my credit report. Would making smaller payments than the current minimum amounts show as arrears in the line of 0s + 1s? Or does it depend on the the individual creditor? TIA.
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To cheer some of us up
http://www.loseyouranger.com/
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I've finally got this moneysaving thing worked out!
I can't stop smiling today because finally, my efforts at moneysaving actually seem to be working out!!! Today I have so far: * Balance transferred £2500 of high interest credit/store card debt to 0% * Worked out my new budget taking into account a recent pay increase * Following a planned redundancy, have now been given a…
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MBNA debt
Just Had A Postcard From Mbna.we Are Now On First Name Terms!!confirming They Will Be Calling Me Next Week And If Inconvenient Please Call Them. They Don't Have My Telephone Number So They Will Be Unlucky!! Has Anybody Else Ever Received One Of These Post Cards From Mbna And If So What Action Did You Or They Take.
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a warning
This is a warning to all hard working individuals who try and achieve something in their lives. I started seeing a man in 1992. He lived some distance from me and he used to come down at weekends. I was living in my council house with my 2 children. I was working part-time and claiming family credit and rent rebate. This…
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False information on credit file- Help please :(
Hello In 2003 I took out a loan with Goldfish. I made about a years worth of payments, then settled it in full. I recently requested a copy of my credit file, as I am hoping to start a new business soon and wanted to make sure there wasnt any incorrect information in there. The loan I had previously taken out is showing…
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How Many CCs Did You Have At Your Worst???
Just wondering how many Credit Cards you all had when you were at your worst Debt moment, pre-lightbulb? I had never had a credit card before but when we bought the house nearly 3 years ago I got sent a few letters saying I had been "Pre-Approved". I always applied for them thinking I'd never get them so imagine my…
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Spendaholics
Not sure if this has already been posted, but did anyone see this last nite on BBC3?? Some interesting bits n bobs, but nothing that can't be found on this fabby site tbh :j
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Bargains/coupons
Anyone interested - check this site out: http://www.madaboutbargains.co.uk/coupons/Coupon_Crazy.htm#295
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Altering credit rating
How do I go about getting a company to remove a credit search on my file? Thanks guys
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Debt Managers Ltd
has anybody heard/ had dealings with this company my next debt of 217.85 was sold to them and i recieved a letter 25th april i kinda forgot about it untill today i just recieved a phone call from a rude impatient sounding woman demanding full payment before 8pm tonight, i told her i did not have this so it has to be half…
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Moorcroft - dont exist MSL Solicitors - dont exist - whats going on?
Just found something out which I thought I would share as thought v interesting. Moorcroft Debt Recovery apparently DO NOT EXIST as they are not listed, by the same token their supposed solicitors they use (its them really also) known as:- MSL Solicitors - also do not exist and are not listed though in Stockport there is…
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Getting better at being stingy!!
One of the main things I have found which has made a huge difference is planning my food shopping! I have been fairly good for 2 weeks running and now cant believe I used to go shopping without a list and just shop until the trolley was full! I have managed to reduce my shopping (not as low as I want it, but I'm getting…
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Got the job!!!!
Well, major relief!! No more interviews - staying with same company - smaller territory too. One less thing to worry about. Lost my OH this week though - bad timing. We've been together for 6 months - both have kids and work - just too stressful. Better to have loved to never have loved at all is my mantra for now. Now, I…
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MOORCROFT - MSL solicitors - MICHAEL -UNprofessional Bullies
I have a debt with Next for 870. which has now been sold on to Moorcroft. I had already written to Next and since becoming a client of CCCS they had sent Next all outgoings/income etc. When I informed them that Moorcroft now had the debt the CCCS re-sent everything they had already sent to next this time to Moorcroft. I…
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Two questions about IVA
Maybe quite basic but I'm not sure if I must go down this path... Firstly, The calculation is based upon whqt you have left after 'reasonable' living expenses... Does that mean that 'say' You are paid 1000 Expenses are 700 So you pay 300 to your IVA? Or do you pay an agreed amount 'Say' 200 which leaves 100 Secondly, I…
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so annoyed with Abbey
Sorry I need to let off steam but Abbey are really getting to me now I've just received the 4th letter from them saying that they've heard nothing from CCCS with a proposal & that there is £875.85 outstanding + pending charges :mad: I have just made my 3rd payment on my dmp & they would've received 2 of them so I can't…
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Help please with managing debt
Hello everyone A newbie here! I was wondering if I could ask for advice on our income and expenditure and repayment plan for our debts which is around £26k - what a mess! We got this way when dh was made redundant 3.5 years ago and we found ourselves relying on credit cards and loans to get by and then we tried to…
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Today's horoscope
Slightly less perceptive, I feeel, although tthe sunshine bit is bang on as we had thunderstorms last night. It's a sunny day in more ways than one today, as daylight breaks through the fog of confusion that's been preoccupying you. A short conversation will clue you in on some changes at work -- this new arrangement will…
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Friday 5th - what have you splashed the cash on?
Well, I am working from home today so won't be tempted with the pub at lunchtime :) - aiming for no spend day number 2 of the week :money:
