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Can you quickly look over our soa?
Hi there all I know im usually pretty good at SOAs but wondering whether you lot could look over this and see what its looking like, if theres any better deals out there as I feel like Ive been a bit of a moneywastingexpert over the last month or so :o My brief flirtation with estate agency is over, and I have just been…
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Where Do U Draw The Line And Say, Right I'd Be Better On The Dole?
I've worked all my adult life (i'm 26 now) and been in debt all my adult life. My problems started at 18, I got a call from my bank asking if I wanted up upgrade my account, yes I said as I wanted a debt card, but along with the debt card arrived at credit card. Sure it only had a limit of £500 but when you worked full…
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help please
i am looking to get a trust deed up and running in the next 2 months but am wondering if i am eligible for one. at the moment im about 26k in unsecured debt between loans and cards and i have a morgage for 75k with 24k taken out to cover the offers over shenanigans up here and for bringing the place back in to a livable…
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cccs helping me get there
Hi everyone. Just want to share with you all that I have entered a 'new phase' of dealing with my debt and it's feeling good! I've been in touch with the cccs, I am going onto a DMP with them and as it stands, with my income as it is (and I think things can only get better) I will pay my debts at an afordable £90 per month…
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Please Help! I Just Dont Know What To Do!
Hi, i am new to the forum and was hoping that someone might be able to help me with my debt problems. First of all it's taken me a while to face up to the fact of my debt but the older i get the worse an affect it is going to have on my later life. When i was at Uni i applied for Credit cards and another Student overdraft,…
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Should I stop paying in to my pension while I clear my overdraft?
Hiya all. This is my first post, I hope it's in the right place! I work in education and I have a local authority pension which I pay into every month - £91 which is about 9% of my income - and which I know almost nothing about. I also have an overdraft of about £1000 which I have just transferred to egg for a few months…
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Should I stop paying in to my pension while I clear my debts?
Hiya all. This is my first post, I hope it's in the right place! I work in education and I have a local authority pension which I pay into every month - £91 which is about 9% of my income - and which I know almost nothing about. I also have an overdraft of about £1000 which I have just transferred to egg for a few months…
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Debt Management Plans - do they work
Ive just started a debt management plan with a company called churchwood financial as i have over 12 thousand pounds of debts and cannot afford to pay them back there required amounts each month as i now have a baby on the way,so i really need to no if these plans actually work or if im heading for a whole heap of problems…
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Good Credit Record - But Overcommited
Hi, I have a good credit record but when I have applied for several loans to consolidate but have been refered and when they got back to me said I appear to be overcommited or using too much of my available credit (upto limits in most cased) My credit file was fine. I am savvy with snowballing my debts so think this is the…
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BBC Spendaholics - seeking
Hello, I noticed an earlier discussion thread about the programme 'Spendaholics'. I work for Betty TV, the producers of the BBC3 programme Spendaholics. (See - http://www.bbc.co.uk/bbcthree/progra...cs/index.shtml) We are currently looking for people to be part of the 4th series - to be filmed over the next few months. We…
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Who removes a default on bought debt?
Hi all, I'm hoping someone can help me on this. I've recently entered into an IVA that I settled after 18months with a full and final payment. I'm obviously now trying to clean up my credit record, and to this end will be attempting to clean up some of the defaults on there. This is my question, a lot of my debts were sold…
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PPI Loan Insurance
I have been in touch with the Halifax regarding cancelling the insurance on my loan. After a lot of messing around i took the advice of this site and insisted that they cancel my insurance without me having to take out a new loan. The loan started in May 2005. I have just had conformation this morning that they are willing…
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What can I do??
About 4 years ago I took out a credit card with monument whilst I was at college. It started with a £250 limit then went to £500. When it went to £500 I spent the lot on my rent which I thought I would pay back straight away. I then lost my job and missed a couple of payments for which they charged me and then charged for…
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Lurker seeking advice
Hello, I have been a long time lurker. Thanks to the advice on here I have been with the CCCS for 2 years and am a long way to clearing my debts. I would just like some advice though. I currently owe 14k to various companies, a relative has offered to help me out with a 10k interest free loan. I'd like to approach the…
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any help would be great !!!
hi, any help would be great. i currently owe vanquis £378.73 grattan £9.76 scotcall recovery £59.02 npower £305.61 great universal £145.25 kays £311.57 ndr recovery £729.74 provident £1400. current debt total £3339.68. i am on income support which is £122.57 per week and also £30.20 child benefit. i am paying out water…
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Help! - hoping to do an IVA but until then...
Hi there, I have spoken to Payplan this week about my finances and with their recommendation and research on here I've decided to apply for an IVA. They've told me the process can take up to 8 weeks (and no guarantee the majority of creditors will agree). In the meantime I am unable to to repay my creditors the full…
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Owned up to OH
Hey there, I built up the courage and sat down with my OH to go through ALL my debt and current income etc. He was aware I had debt but not how much. Much to my relief he was brilliant, and we went through his too (not that he has much debt compared to mine) as he felt it was only fair that I knew about his income, debt…
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just done a cccs review
I've just done the yearly cccs review and the amount I will now be paying will be 159 quid - was 54. Whilst it all seems dandy on paper, it just doesnt seem like that in reality and now worrying about how gonna afford that extra hundred pounds. I have just had a pay rise of about 50 quid a month, however i was hoping to…
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Poor Credit
Since i moved to my new house i don't seem to be able to get credit. Do they still look at the address when doing a credit score? I moved into my new place in september and since then i've had debt collecters round and alsorts for the man who used to live there. if thats not the reason can anyone give me any tips on…
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Is it better to consolidate?
Hi all, I'm new to posting on here although have been lurking reading posts for a while. I have a good income, but never seem to have any money due to my past irresponsible spending on credit, i.e. holidays, using credit for groceries, buying things I really didn't need - I don't seem to have anything to show for it, but…
