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Car on HP and Insurance Loss
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IVA-how long do they remain on credit file once paid off?
Hi, I thinking about entering an IVA to clear some of my debts. After i've done that, its likely I'll sell my house and just pay off the rest (I want to move it anyway, so its not a case of selling it for the sake of paying off debts). What I want to know is, does the "IVA" still appear on my credit file if I pay off the…
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Please help
Hi there, I'm hoping for some advice, I posted here a month ago but didn't set out all my debts then. My mind is on meltdown and I almost can't add numbers up... but I will list below my financial position and maybe someone could tell me a way out that I havent thought about...or maybe I really am trapped. I have to admit…
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9 weeks till wedding and GF drops a bombshell :(
Hi all Not sure where to start here :( This has been one of the worst days I can remember. Just 12 hours ago we were at the hotel making the final preparations for our wedding in April. Basically we are like a lot of people out there, not very much cash left over after clearing all the bills and so on, can be very…
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Minigal's debt free diary
Moved into big house. Took out massive mortgage. Need to renovate said house. Earn good money. Only thing is, owe nearly 30000, 20k of which is on 15.9% APR at the moment, the other 10 is loan from my dear old mum, and that debt is interest free, but I really want to pay her back ASAP. I m going to be asking for a lot of…
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Bah! Cahoot flexi-loan shocker!
OMG! Have just done the snow ball thing, and researched what interest rates were on each of our three loans, and got the shock of my life when I found ot that Cahoot are charging us the same interest as a credit card for their flexi loan. When we took it out it was the best on the market! So the snowball thing doesnt get…
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Advice please
One has come to his senses.
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snowballing...?
Hi I've heard a lot of people refer to snowballing.... how exactly does it work and how do i work it out? ive tried searching for info and cant find it on here! :o
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Does anyone know?
We have the tax credit exemption cards so we get free prescriptions, eye tests etc. When we got our glasses we got free eye tests and our lenses free... but I'm considering contacts and was wondering if anyone knew if we'd get anything off those like we do with the glasses because of the exemption card?
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Really low tonight :(
Sorry for the moan..... Been dumped a couple of weeks ago and looking for somewhere else to live. I feel so stupid for having all this debt because now it's stopping me from being able to afford anything, even grotty roomshares, and I feel totally doomed and alone tonight. Can't stop crying and just wish my boyfriend would…
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Please Help credit card debt - CCJ & Charging Order
Not sure if this is the correct board so I am just going to be cheeky and post it on another board as well. Firstly, Thanks a lot to all you good people on MSE I was foolish enough to ignore a credit card debit of £3,000 back in 2006. This was then taken to court and a ccj followed by an interim charge on my share…
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Hope It Helps Someone
hi, am on a dmp with the debt advisor (been so for about 1 year) since finding this fab site and hearing about the charitable sites cccs, etc finally took bullet and called them last week to see if they could help me instead, they were fab, going to take over my dmp and even better say i should be ok for an IVA which is…
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Please Help with CCJ and Charging Order
Not sure if this is the correct board so I am just going to be cheeky and post it on another board as well. Firstly, Thanks a lot to all you good people on MSE I was foolish enough to ignore a credit card debit of £3,000 back in 2006. This was then taken to court and a ccj followed by an interim charge on my share…
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I need your help!
Hello! I need your help.... I can't save money to save my life! Currently, I owe £10,000 to my Grandparents (interest free...should be paying off £250 monthly..) for my new car. I've paid off £3000 of this, so have £7000 to go. On top of this, I have £2100 on a credit card - was £1000, but I was stupid this week, long…
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Partial Settlements
has anyone ever partial settled any of there debt ????? i.e A smaller amount has been agreed and accepted as full or final settlement of the account ? Q) by doing this has it affected you obtaining credit .....
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debt recovery firms
Hello can anyone help me with these firms? ok - My debts have been passed to these via powergen & BT 1st off i wanted to transfer gas & electricity for a savings and went ahead then powergen tell me i owe them 300quid as they are undercharging me!! doh - they pass the debt over to debt collector. ok BT similiar thing - i…
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Hello from new person!
So I've had my lightbulb moment and have joined MSE for a bit of moral support. Looking at the advice for new bods I think I have to bite the bullet and post the following *grits teeth* Monthly Incomings: My salary - £1374 Benefits - £0.00 Total - £1,374 Monthly Outgoings: Mortgage/Rent - £290 Gas - £20 Electric - £40 Sky…
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Hello from new person!
So I've had my lightbulb moment and have joined MSE for a bit of moral support. Looking at the advice for new bods I think I have to bite the bullet and post the following (grits teeth) Monthly Incomings: My salary - £1354 Benefits - £0.00 Total - £1,354 Monthly Outgoings: Mortgage/Rent - £250 Council Tax - £110 Gas - £20…
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Time for a petrol boycott?
Whilst reading the notice board of our Union i noticed a letter about the best way to do a petrol boycott & if word got around then people power would end up knocking at least a few pence off a litre of petrol. If everyone didn't buy petrol for a day the boycott wouldn't really work as we'd all still have to fill up over…
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Removal of money without permission!
Hi I need a bit of advice? A friend of mine has a bank loan which he hasnt paid for a while and has been passed to a debt collection company. He has written to them to make arrangements to pay and explained his situation. He had a small amount of money put into his bank a/c from a friend to help him and the debt collection…
