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Better credit card rates - any luck
Dear All, Has anyone had any luck getting lower apr from their creditors or credit card compaies. I am trying to get lower rates from them, but as of yet they arent playing ball, besides american express who offered me 4% ;) which works out at around £13 a month interest roughly. Has anyone tried this and got any success?…
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Advice on Managing Husband's Debt
My husband and I are separated but working on getting back together. We have 2 small children. He works full time earning a fair salary and I do some tutoring from home. He is about 6K in debt and has a 2K overdraft, and I need to know how to work things so that things get paid off and the debt doesn't happen again. He has…
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Electric bill - what should I do???
Hi guys..... Just got elec bill for the last three months, and its £115.18 - I must have saved a small fortune by not using the tumble dryer and switching the tv off when OH falls asleep in front of it! Anyways, I save £50 a month for the elec bill, so good news already.... but I also noticed that the estimated reading…
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Starting to face up to it all
This represents two firsts as I've never posted on a forum before and I've never really admitted how bad our situation is before. Guess the latter is the most important step. Both myself and my husband have horrendous debts, over 100 grand between us (sorry - the pound sign on our key board doesn't register for some…
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Just done credit check and need some help
Hiya guys Done a credit check and need some help on a few things. sorry if there easy answers but am not sure thats why am asking.. 1) I had a mortgage which is now all paid off but on my credit file it shows over the period of time i had 2 payments in arrears. Does this still affect my credit rating as they were back in…
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How do they trace a debt
Hi all, OK some do owe the debts some don't but how do companies like mackenzie Hall and Lowell trace people so quickly after the original creditor usualy big corperations have sold the debt on,why couldn't the original creditor find the person within the time that the debtor went missing eg. 6 years.Then the company that…
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Lowell/Red
I sent off a statue barred letter to RED and today i recived a letter saying how "disapointed" they are that i have taken the statue barred route.They say that it has now been passed to their specialist recoveries unit who will decide what route to take. I am very very sure that a payment or acknowledgment of the debt has…
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Just Had A Row......
...with my wife. It's my 30th birthday next month, and she has been asking me what I would like. I told her I didn't want anything, as the best present I could have would be to see £500 go off our debts. Anyway, she said she has to get me something, so I told her a book. She has gone off the wall as she says she wanted to…
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Friday night frolics
So .... who is going to be around for a party tonight? I'll lay on the cheesy chips again. It's FRIDAY!!!!!!!!! :beer: :beer: :beer: :beer: :beer: :beer: :beer:
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In the words of Mr Humphries...
I can't believe it - had my IVA certificate of completion from my IP today. Officially debt free, IVA free, and feeling a little emotional. A big thank you to everyone who posts here - whether it is to ask for advice, provide encouragement, or to give assistance - without you all this last couple of years would have been…
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0% student overdraft to run out
Hey there, (I originally put this on the budegting and current accounts boards but think here might be better as its more to do with managing debt!!) I was wondering if any of you could offer any advice on my wee predicament? I'm new to all this and am so overwhelmed by information...! I have a 0% O/D (£1600) with RBS on…
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What Caused Your Debts
I know this will sound stupid, but my debt began because of something I had saved to buy. I saved up for several years after buying my first house and paid cash, yes CASH £15,000 for a new kitchen. As you can imagine it was fantastic and I had the best of everything put in it. Anyway, following this I had a reputation for…
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Quick question about informing creditors of DMP
Hi, Should i let my creditors know i'm starting a DMP this month,or should i just leave it for my DMP advisor to let them know. I'm really worried about phone calls and letters and was wondering if i sent them a letter as well if it might encourage them to deal with my advisor direct instead of hassling me. I already…
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Student paying off debt in RoI
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Student paying off debt in RoI
Hi all, I'm looking for advice on repaying debts (credit card, personal loan, overdraft - to the amount of £4300) that I accumulated in the Republic of Ireland. I lived in Ireland for nearly 9 years and returned to the UK last March. I'm looking to take out a loan here to consolidate my debts, but as I have been out of the…
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Which Bank Account For DMP
Hello everyone. Newbie here. Not qualified to be a member of the DMP support thread yet but it shouldn't be long now. My starter pack is in the post (eek). I would thank all the people whos threads and posts have helped me so far but there are just too many names to remember. An all round thanks is the best I can do. I…
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Collections - question
Responses and insights will be very much appreciated, on behalf of a kind elderly neighbour in distress who is not Internet-savvy: a. If a solicitor representing a company which contends that you owe them money (ableit it's an issue in dispute) sends a letter stating that a court Claim will be issued within x days, then…
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CCJ registrered in error and then set aside
Hello not sure if this is the right place for this question... My mate had a dispute with the managing company of his block of flats, things got out of hand and he was presented with a county court summons for unpaid service charges. He disputes some of the charges and decided to defend the claim but admit part of it. Now,…
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Light Bulb Moment Number 2
Just got off the phone with Payplan (as advised by people on here). Explained that I had tried CCCS and they had said they couldn't help as I had a £600 deficit each month. Paypal girl was really nice and I explained this to her and told her I couldn't understand why they couldn't help people who had a defecit. My thinking…
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What makes you WANT to be debt free?
Maybe I'm bored.. who knows.. but I'm sat here pondering why we want to be debt free... Sounds an obvious question but when you think about it (Really hard.. til your brain hurts.. :p ) it's really not so... I mean the world REVOLVES around debt.. you need debt to have a house.... left right and centre everyone is offering…
